Mox Debt Consolidation Loan

Introducing Mox Debt Consolidation Loan

Take Back Control. One Loan, Zero Hassle.

Different loans, different card bills, different due dates — headache to track, and late fees hit hard if you miss! The Mox Debt Consolidation Loan is here to bring you relief and control. We consolidate your outstanding debts from various financial institutions into one convenient, manageable monthly payment. Gain financial clarity and lessen your stress with Mox!

Why choose Mox Debt Consolidation Loan?

Save up on interest + 0% handling fee

Ditch high credit card rates for a lower interest rate. Plus, enjoy full transparency with HK$0 handling fee—no hidden charges.

Clear any debt - big or small

Loan amounts start from a minimum of HKD5,000 up to HKD2,000,000. Fixed monthly payment with one fixed rate to reduce repayment pressure.

Dedicated Specialist Support

Personal loan specialist follows your case from start to finish, ensuring smooth processing and answering your questions every step of the way.

Repay Your Way, Up to 84 Months

Highly flexible repayment terms ranging from 12 to 84 months. Lower your monthly obligation and manage cash flow comfortably with a schedule that fits your lifestyle.

Extra financial boost: Up to HKD23,888 Cash Reward💰

From now until 31 October 2026, successfully apply for designated Debt Consolidation Loan and enjoy up to HKD23,888 cash reward²:

Eligible Debt Consolidation Loan Amount	Repayment Period	Reward
HKD100,000 to HKD249,999.99	24 – 48 months	HKD1,500
HKD100,000 to HKD249,999.99	60 – 84 months	HKD2,500
HKD250,000 to HKD499,999.99	24 – 48 months	HKD3,500
HKD250,000 to HKD499,999.99	60 – 84 months	HKD5,000
HKD500,000 to HKD749,999.99	24 – 48 months	HKD6,500
HKD500,000 to HKD749,999.99	60 – 84 months	HKD8,000
HKD750,000 to HKD999,999.99	24 – 48 months	HKD8,000
HKD750,000 to HKD999,999.99	60 – 84 months	HKD13,000
HKD1,000,000 or above	24 months or above	HKD23,888

Cash Reward will be credited to your Mox Account on or before 30 April 2027.

Ready to clear your balances? Let’s talk!

Ready to clear your balances? Let’s talk!

Step 1: Let us know you are interested

Open your Mox app > Tap ‘Borrow’ > Choose ‘Debt Consolidation Loan’. Follow the on-screen instructions to let us know your ideal loan plan

Step 2: We’ll call you

Our dedicated Mox loan specialists will give you a call to discuss your current balances and tailor a personalized consolidation plan for you.

Clear your mind, clear your debt.

Take the first step towards a healthier financial future today.

Apply Now

To borrow or not to borrow? Borrow only if you can repay!

Please refer to the Personal Loan Schedule and the Debt Consolidation Loan Key Facts Statement for further details.

¹The repayment example is for reference only. Actual interest expense amount, repayment period that can be saved and the Annualized Percentage Rate for a Debt Consolidation Loan is subject to Mox’s final decision on a case-by-case basis.

The calculation depends on various factors such as the outstanding balance of debts that a customer currently holds, interest rate charged on the respective debts, monthly repayment amount and remaining tenor as well as the loan amount, tenor, interest rate and monthly repayment of the Debt Consolidation Loan approved by the Bank.

This repayment example compares the difference between: (1) the minimum repayment amount for the above credit card is calculated based on a credit card with a daily interest rate of 0.0907%, and monthly repayment includes all fees and charges billed to the credit card followed by 1% of the outstanding balance or HKD220 (whichever is higher). The total repayment period is 402 months, and the Annualized Percentage Rate is 35.99%; and (2) based on a monthly flat rate of 0.86% with a total repayment period of 60 months for a Debt Consolidation Loan, the Annualized Percentage Rate is 19.28%.

APR is calculated according to the method set out in the relevant guidelines issued in the Code of Banking Practice and is rounded up or down to the nearest 2 decimal places.

²Debt Consolidation Loan Cash Reward Promotion Terms and Conditions apply. For a Debt Consolidation Loan with a principal amount of HKD1,000,000 with a repayment period of 84 months, the Annualised Percentage Rate (APR) is as low as 8.19% (when including the cash reward of HKD23,888, which will be credited to your Mox Account on or before 30 April 2027), while the APR excluding cash rewards of Debt Consolidation Loan Cash Reward Promotion is as low as 8.99%.