Pay as low as HKD4² interest per day to borrow HKD200,000

The world is changing, and there are countless reasons why you might need to borrow some extra cash. That’s why Instant Loan¹ on Mox Credit is here – giving you access to the money you need in an instant.

It will cost you as low as HKD4 per day (inclusive of all fees and interest) for an Instant Loan of HKD200,000, repayable over 49 to 60 months².



Limited-time offer: Earn a Cash Reward of up to HKD1,500³


You could be rewarded with real cash if you successfully apply an eligible Instant Loan from now till 20 June 2022, the APR is as low as 1.04%⁴. Grab the chance to earn the Cash Reward:


Instant Loan amount Repayment period Cash Reward³
HKD40,000 to HKD69,000 (inclusive) 24 months to 60 months (inclusive) HKD100
HKD70,000 to HKD199,000 (inclusive) 24 months to 48 months (inclusive) HKD300
HKD70,000 to HKD199,000 (inclusive) 49 months to 60 months (inclusive) HKD700
HKD200,000 or above 24 months to 48 months (inclusive) HKD1,000
HKD200,000 or above 49 months to 60 months (inclusive) HKD1,500

The Cash Reward will be credited to your Mox Account on or before 31 August 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 Credit⁶. 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 For an Instant Loan on a Mox Credit transaction of HKD200,000 into 49 – 60 monthly instalments, the Annualised Percentage Rate⁵ (APR) is as low as 1.41% (excluding cash reward of Instant Loan Cash Reward Promotion), and the respective estimated daily interest amount is HKD3.95. Interest is calculated on the basis of a 365-day year.

³ Instant Loan Cash Reward Promotion Terms and Conditions apply.

⁴ For an Instant Loan on a Mox Credit transaction of HKD200,000 into 49 monthly instalments, the Annualised Percentage Rate⁵ (APR) is as low as 1.04% (which this includes the cash reward of HKD1,500 which will be credited to your Mox Account on or before 31 August 2022).

⁵ 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.

⁶ 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) .