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Unlock your potential with Instant Loan: Enjoy an APR as low as 1.28%

When opportunity knocks, time and cash flow are equally precious. Instant Loan offers zero waiting time in APR quotation and stress-free financing, helping you achieve every milestone in life with ease.

Whether you‘re buying a car, starting a business, pursuing further education, planning your dream wedding or creating your ideal home, Mox can help you achieve it all.

Look Wider, Borrow Smarter...and Better!
Look Wider, Borrow Smarter...and Better!

Look Wider, Borrow Smarter...and Better!

Did you know that a 1% APR difference on a HKD750,000 loan over 60 months adds up to HKD19,575² extra interest?

Don’t let that money slip away – Mox offers lowest APR* in town for loans of HKD1,000,000 or below.

Need A Little Extra Funds?
Need A Little Extra Funds?

Need A Little Extra Funds?

Instant Loan daily interest goes as low as HKD6^, whether you’re planning for the future or handling unexpected expense, we’ve got you covered.

Our 6 Unique Advantages Over Retail Banks And Moneylenders:
Our 6 Unique Advantages Over Retail Banks And Moneylenders:

Our 6 Unique Advantages Over Retail Banks And Moneylenders:

  • Instant Quote: View your personalised APR instantly though the Mox App
  • Simple Process: Complete your application with just a few taps in the app
  • Full Transparency: See your monthly repayment amount upfront
  • Quick Transfer: Get the cash in as fast as one second to your Mox Account upon approval
  • Flexible Options: Choose a repayment period from 3 to 60 months
  • Zero Handling Fees: Receive the exact amount you apply for – no extra or hidden charges
💰Score Up to HKD6,888 cash reward
💰Score Up to HKD6,888 cash reward

💰Score Up to HKD6,888 cash reward

From now till 31 May 2025, you’ll be rewarded with up to HKD6,888 cash reward³ when you successfully apply for an Instant Loan of a designated amount and repayment period: 


Instant Loan amount Repayment period Cash Reward
HKD100,000 to HKD249,999.99 49 months or above HKD1,200
HKD250,000 to HKD499,999.99 36 months to 48 months HKD1,500
49 months or above HKD2,000
HKD500,000 or above 36 months to 48 months HKD2,000
HKD500,000 to HKD749,999.99 49 months or above HKD4,000
HKD750,000 or above 49 months or above HKD6,888

Cash Reward will be credited to your Mox Account on or before 31 July 2025.

Just 3 steps to apply for Instant Loan 
Just 3 steps to apply for Instant Loan 

Just 3 steps to apply for Instant Loan 

Step 1: Open your Mox app > go to ‘More’ 

Step 2: Tap ‘Borrow’, then choose ‘Instant Loan’ 

Step 3: Follow the on-screen instructions to complete your application. That’s it! 

If you are new to Mox, open an account via the Mox app⁴. Once your Mox Credit is approved, you can start applying for an Instant Loan. 

Top Up Instant Loan: Borrow more with new flexible repayment period
Top Up Instant Loan: Borrow more with new flexible repayment period

Top Up Instant Loan: Borrow more with new flexible repayment period

Need extra funds for unexpected expenses or new opportunities? We are here to support you every step of the way with our new Top Up Instant Loan:


  • No extra documents required anymore: No need to submit extra documents, simply apply on the Mox app anytime, anywhere
  • Speedy cash in hand: Enjoy instant approval and have the extra cash credited to your account in as fast as 1 second
  • Consolidate all your Instant Loans with Mox: All your existing Instant Loans and the additional funds borrowed will be consolidated into one single loan# for ease of management

Limited-time offer to top up with no fee! From 1 April to 30 June 2025, all successfully topped up Instant Loans will enjoy a rebate of the early repayment fee for the consolidated existing Instant Loan(s).


*Top Up Instant Loan: Early Repayment Fee Refund Promotion Terms and Conditions apply. The refund will be credited to your Mox Account by 31 July 2025.

Getting started with the Top Up Instant Loan is simple. Just login to your Mox app > Tap on ‘Borrowings’ > Tap ‘Apply’ next to ‘Top Up Instant Loan’ and follow the on-screen instructions.

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

Please refer to Part B (Instant Loan) of the Mox Credit Schedule (also referred to as ‘Schedule 3 to the General Terms and Conditions’) and the Instant Loan Key Facts Statement for further details.

The maximum amount of an Instant Loan depends on the status of your Mox Credit. For example, your maximum Instant Loan amount will vary depending on factors such as your available credit limit for Mox Credit.

The Annualised Percentage Rate ranges from 1.28% to 24.31%, with repayment period of 3 to 60 months.

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.

*Maximum amount of an Instant Loan offered by Mox is HKD1,000,000. The “Lowest APR in town” comparison is based against 12 banks in Hong Kong on their lowest Annualised Percentage Rate (APR) for installment loans with principal amount of up to HKD1,000,000 as published on official website on or mobile application as of 25 November 2024. Banks that do not publish loan interest rates based on amount and tenor are not included in the comparison.

^For an Instant Loan of HKD100,000 split into 60 monthly instalments, the Annualised Percentage Rate (APR) is 6.47%. With interest calculated on 365 days per year, the estimated daily interest amount is HKD9.21 (rounded to the nearest whole number).

¹For an Instant Loan on a Mox Credit transaction of HKD950,000 spilt into 6 monthly instalments, the Annualised Percentage Rate (APR) is as low as 1.28% (which does not includes cash reward of Instant Loan Cash Reward Promotion), the total loan repayment amount is HKD 953,534.

²Based on the comparison of the total interest for Instant Loan with principal amount of HKD750,000 repaid over 60 months at monthly rate of 0.149% (APR being 3.47%) and at monthly rate of 0.193% (APR being 4.47%)

³Instant Loan Cash Reward Promotion Terms and Conditions apply. For an Instant Loan on a Mox Credit transaction of HKD500,000 spilt into 60 monthly instalments, the Annualised Percentage Rate (APR) is as low as 2.90% (which includes the cash reward of HKD6,888 which will be credited to your Mox Account on or before 31 July 2025), while the APR excluding cash rewards of Instant Loan Cash Reward Promotion is as low as 3.47%. If you apply to top up your active Instant Loan(s), the Eligible Instant Loan Amount applicable for this promotion will be additionally borrowed principal amount on top of the outstanding principal amount of your active Instant Loan(s).

⁴You need to provide HKID for Mox Account opening and apply for Mox Credit. The approval time for Instant Loan application depends on the status of your Mox Credit. In some circumstances, we may require you to provide supporting documents by a simple submission process when you apply for Mox Credit. The approval time for Mox Credit is subject to a customer’s individual circumstances.

^For an Instant Loan of HKD100,000 split into 60 monthly instalments, the Annualised Percentage Rate (APR) is 4.46%. With interest calculated on 365 days per year, the estimated daily interest amount is HKD6.31 (rounded to the nearest whole number).