Big plans or small? Instant Loan keeps you moving with simple application, fast approval, zero stress. APR goes as low as 1.18%¹ - All within Instant Loan.
To borrow or not to borrow? Borrow only if you can repay!
General terms and conditions (in particular, Part B: Instant Loan of Mox Credit Schedule) and the Instant Loan Key Facts Statement apply. Details are available in the ‘Legal documents’ section of our website.
Instant Loan Cash Reward Promotion Terms and Conditions apply. For an Instant Loan with a principal amount of HKD1,000,000 with a repayment period of 60 months, the Annualised Percentage Rate (APR) is as low as 3.42% (when including the cash reward of HKD12,888, which will be credited to your Mox Account on or before 31 January 2027), while the APR excluding cash rewards of Instant Loan Cash Reward Promotion is as low as 3.95%. If you apply to top up your active Instant Loan(s), the Eligible Instant Loan Amount for the Instant Loan Cash Reward Promotion will be the Instant Loan principal amount that is on top of the outstanding principal amount of your active Instant Loan(s).
¹For an Instant Loan with a principal amount of HKD1,000,000 with a repayment period of 6 months, the Annualised Percentage Rate (APR) is as low as 1.18% (which does not include any cash reward under the Instant Loan Cash Reward Promotion). Total repayment amount is HKD1,003,420. 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.