Why Borrow with Mox?

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 HKD850,000 into 60 monthly instalments, the Annualised Percentage Rate (APR) is as low as 1.87%. 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. For a Split Purchase on Mox Credit of HKD50,000 into 60 monthly instalments, the Annualised Percentage Rate (APR) is as low as 5.10%.

⁷For a Split Statement application on Mox Credit of HKD100,000 into 3 monthly instalments and the Annualised Percentage Rate (APR) is as low as 2.55%. Only certain types of Mox Credit transactions and amounts of Mox Credit statement balances are eligible for Split Purchase, as determined by us in our absolute discretion. The examples of transactions and amounts of Mox Credit statement balances that are ineligible for Split Purchase are listed in General Terms and Conditions (in particular, see Part A: Split Purchase of Schedule 3) – clause 8(d).