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 25.34%, 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.

¹For an Instant Loan with a principal amount of HKD1,500,000 with a repayment period of 6 months, the Annualised Percentage Rate (APR) is as low as 1.28% (which does not involve any cash reward under the Instant Loan Cash Reward Promotion). Total repayment amount is HKD1,505,589.

²Instant 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 49 months, the Annualised Percentage Rate (APR) is as low as 2.77% (when including the cash reward of HKD10,888, which will be credited to your Mox Account on or before 30 September 2025), while the APR is as low as 3.33% (when excluding cash rewards from the Instant Loan Cash Reward Promotion). 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).

³Mox Instant Loan Lucky Draw Promotion for “The Standard Chartered Trophy” Terms and Condition Apply.

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).