An APR as low as 0.87% with Instant Loan​

Need extra cash to pursue your goals? It’s now more affordable with low interest rates from Instant Loan¹.

What’s more, our low interest rates don’t only apply to large loan amounts, so no matter your target is big or small, Instant Loan is affordable for you to get what you’ve dreamed for!



Limited-time offer: Earn a cash reward of up to HKD6,800²


From now till 4 October 2022, you’ll be eligible to receive a cash reward when you successfully apply for an Instant Loan of a specific amount and repayment period, with an APR as low as 0.87%³. Check it out:


Instant Loan amount Cash reward you’ll get
Repayment period of 36 – 59 months Repayment period of 60 months or above
HKD50,000 to less than HKD200,000 HKD300 HKD600
HKD200,000 to less than HKD300,000 HKD1,000 HKD1,500
HKD300,000 to less than HKD500,000 HKD1,800 HKD3,200
HKD500,000 or above HKD3,000 HKD6,800

When you have successfully applied for an eligible Instant Loan, the cash reward will be credited to your Mox Account on or before 30 November 2022.

Easy application, instant decision

Instant Loan is available at the touch of a button in your Mox app, so you can apply anytime you need, 24/7. No extra documents are required.

Your maximum Instant Loan amount depends on your available credit limit on Mox Credit⁵. Your Instant Loan application decision will be communicated to you on the spot and if your application has been approved , the cash will be credited immediately to your Mox Account. Once you receive your Instant Loan, you are free to spend the money on whatever you need.

Flexible repayment periods

It’s all up to you! There’s no fixed number of months to repay an Instant Loan, so you have the flexibility to pick the number of months – whether that’s 5, 10, 27, 33 or any other number between 3 and 60 – and we’ll give you a competitive APR.

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


Apply for Mox Credit now

¹ General terms and conditions (in particular, Part B ‘Instant Loan of Schedule 3 ) and the Instant Loan Key Facts Statement apply. Details are available in the ‘Legal documents’ section of our website.

² Instant Loan Cash Reward Promotion Terms and Conditions apply.

³ For an Instant Loan on a Mox Credit transaction of HKD500,000 into 60 monthly instalments, the Annualised Percentage Rate (APR)⁴ is as low as 0.87% (which this includes the cash reward of HKD6,800 which will be credited to your Mox Account on or before 30 November 2022), while the APR excluding cash reward of Instant Loan Cash Reward Promotion is as low as 1.41%.

⁴ 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. The fees for Instant Loan will be reviewed from time to time. For more details, please refer to the Instant Loan Key Facts Statement and Schedule 3 to the General Terms and Conditions on our website for details.

⁵ 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 (we will always leave you a buffer of HKD3,000 on your Mox Credit “available to spend”, after deducting the total repayment of your Instant Loan from your credit limit for Mox Credit to allow you to continue spending on Mox Credit) .