Let Instant Loan fund the things that matter to you
When opportunity knocks, time and cash flow are equally precious. Instant Loan offers zero waiting time for rate quotation and stress-free financing, helping you achieve every milestone in life with APR as low as 1.28%¹!
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 every milestone in life with ease.
Limited time offer: One simple rate for loan of HKD500,000 or above
Tired of mystery rates and hoops to jump through just to borrow money?
Borrow HKD500,000 or more of any tenor and enjoy a guaranteed 3.98% APR!
Just need a little extra?
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.
💰Apply now to enjoy up to HKD10,888 cash reward²
From now till 31 October 2025, you’ll be rewarded with up to HKD10,888 cash reward when you successfully apply for an Instant Loan of a designated amount and repayment period: 
| Instant Loan amount | Repayment period | Cash Reward |
| HKD150,000 to HKD249,999.99 | 49 months or above | HKD1,000 |
| HKD250,000 to HKD499,999.99 | 36 months to 48 months | HKD1,500 |
| 49 months or above | HKD2,000 | |
| HKD500,000 to HKD749,999.99 | 36 months to 48 months | HKD2,000 |
| 49 months or above | HKD4,000 | |
| HKD750,000 to HKD999,999.99 | 36 months to 48 months | HKD2,000 |
| 49 months or above | HKD6,000 | |
| HKD1,000,000 or above | 36 months to 48 months | HKD4,000 |
| 49 months or above | HKD10,888 |
Cash Reward will be credited to your Mox Account on or before 31 December 2025.
Our 5 Unique Advantages Over Retail Banks And Moneylenders:
- Instant Quotation: View your personalised APR instantly through the Mox App
- Flexible Options: Choose between 3 to 60 months repayment period that best suits your needs
- Full Transparency: See your monthly repayment amount upfront
- Zero Handling Fees: Receive the exact amount you apply for – no extra or hidden charges
- Instant approval³: Get the cash in as fast as one second to your Mox Account upon approval
Just 3 steps to apply for Instant LoanÂ
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 app³. Once your Mox Credit Card is approved, you can start applying for an Instant Loan. 
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 July to 30 Sept 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 October 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.
Application or promotion queries?
Please feel free to contact our Customer Care Team via our in-app online chat or reach out at +852 2888 8228 if you have any queries.
Frequently Asked Questions
Mox Instant Loan is a personal loan, a convenient and quick way for accessing cash from your Mox Credit Card. It offers flexible repayment options, allowing you to choose a period from 3 to 60 months that best suits your financial needs.
Absolutely! We offer a fully online personal loan service. From application to disbursement, everything can be conveniently completed through our Mox app. It's the ideal choice for a fast loan. Once your application is approved, the cash will be instantly credited to your Mox Account, perfect for urgent financial needs or everyday expenses.
Existing Mox customers can apply anytime, anywhere via the "Borrow" section in the Mox app. Simply select your desired loan amount and repayment period, then follow the on-screen instructions. Loans can be approved instantly³, making it one of the most convenient online loan options available.
New customers can follow the same process to apply for Instant Loan after successfully opening a Mox Account and getting their Mox Credit application approved. The entire process can be completed in just a few minutes.
The Annualised Percentage Rate (APR) for Instant Loan is as low as 1.28%¹. You can use our Repayment Calculator to quickly estimate your repayment amounts.
With Mox, upon successful loan application, you’ll receive the full approved amount with zero handling fees. Compared to traditional bank personal loan, our application is fully digital and disbursement is much faster. Once approved, the cash will be instantly credited to your Mox Account.
Instant Loan can meet a variety of your needs, such as paying taxes, home renovations, purchasing a car, wedding expenses, starting a business, or any other plans requiring immediate cash flow. It's a flexible instalment loan for life's moments that can also serve as a cash loan when you need funds quickly.