Smart Borrowing

Why Borrow with Mox?

The world is constantly changing and opportunities can arise at any moment. That’s why it’s important to have flexibility when you need extra cash. Mox is here to provide you with an instant solution that gives you more control over your money. You can easily split your spending and repay in easy instalments, always get the cash you need, and quickly clear credit card debts in one go.
Instant Loan

Get extra cash instantly anytime you need⁵. No extra documents are required.

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Instant Loan

Get extra cash instantly anytime you need⁵. No extra documents are required.

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Instant Clear

Save up to 98% of your interest rate fees and say goodbye to all your credit card bills with other banks or financial institutions.

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Instant Clear

Save up to 98% of your interest rate fees and say goodbye to all your credit card bills with other banks or financial institutions.

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Split Purchase

Make the split instantly⁶ in just a few clicks with flexible repayment period from 3 months up to 60 months.

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Split Purchase

Make the split instantly⁶ in just a few clicks with flexible repayment period from 3 months up to 60 months.

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0% Merchant Split Purchase

Enjoy 0 interest and 0 fee for Split Purchase with Mox Credit at designated merchants, and earn unlimited 1% CashBack!

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0% Merchant Split Purchase

Enjoy 0 interest and 0 fee for Split Purchase with Mox Credit at designated merchants, and earn unlimited 1% CashBack!

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With Mox Credit, you can enjoy the above borrowing solutions in just a few taps.
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Everything is instant and available 24/7

From application to setup, it’s all done on the Mox app anytime, anywhere. There’s no waiting and no additional documents required. Once you apply, you’ll instantly get an application decision¹ . That means you’ll immediately receive the money you borrowed in your Mox Account with ‘Instant Loan’ or be able to pay your credit bills right away with ‘Instant Clear’.

Split a purchase instantly, or any time you want

When you make an eligible transaction, you can decide to split it right then and there or wait a bit. It’s up to you whether you want to split a transaction, as long as it’s any time before your statement date.

Enjoy more flexibility and control for repayment

It's up to you how long you want your repayment period to be, it’s your choice any time between 3 and 60 months. You’ll get a competitive and transparent annual percentage rate (APR) which is updated in real time based on your selection. And best of all, there’s no late payment fee – no worries!

Check out examples below to see how much you can save with Instant Clear:
Outstanding Balance of a Credit Card² Mox Instant Clear³ʼ⁴
Loan amount HKD100,000 HKD100,000
Repayment period (month) 337 48 (-86%)
Average monthly repayment HKD2,963 HKD2,203 (-26%)
Total interest expense HKD285,987 HKD5,760 (-98%)
To borrow or not to borrow? Borrow only if you can repay!

¹The approval time is subject to individual circumstances.

²The above illustration is calculated based on a monthly repayment of 1% of a major traditional bank credit card outstanding balance or HKD220 (whichever is higher) over a 337-month repayment period. The average monthly repayment amount quoted above is calculated based on the first 3-month repayment amount and is rounded to the nearest dollar. The Annualised Percentage Rate (“APR”) is 35.70%. The total interest expense over the whole repayment period quoted above is rounded to the nearest dollar. The above example is for reference only.

³The above illustration is calculated based on a monthly flat rate of 0.12% with 48-month repayment period for Mox Instant Clear Credit Card Balance Transfer Plan (“Instant Clear”). The APR is 2.80%, and the total loan repayment amount is HKD105,760. The average monthly repayment amount and the total interest expense over the whole repayment period quoted above are rounded to the nearest dollar. The above example is for reference only.

⁴The APR is calculated using methods specified in relevant guidelines as set out in the Code of Banking Practice. The APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate. The APR for an Instant Clear loan is subject to Mox’s final decision on a case-by-case basis and the Mox Credit account status at the time Mox receives the Instant Clear application. Please refer to the Instant Clear Credit Card Balance Transfer Plan Key Facts Statement for details.

⁵For an Instant Loan on a Mox Credit transaction of HKD750,000 into 60 monthly instalments, the Annualised Percentage Rate (APR) is as low as 1.88%. The APR is calculated using methods specified in relevant guidelines as set out in the Code of Banking Practice. The APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate. The APR for an Instant Loan is subject to Mox’s final decision on a case-by-case basis and the Mox Credit account status at the time Mox receives the Instant Loan application.

⁶The fees for Split Purchase will be reviewed from time to time. For more details, please refer to the Split Purchase Key Facts Statement and Schedule 3 to the General Terms and Conditions on our website for details.