Seize the opportunity of low-interest rate during tax season

With Instant Loan¹, extra cash will come straight to your Mox Account in as fast as a second after approval. From now till 28 February 2023, you can enjoy an APR as low as 1.61% with Instant Loan, including a cash reward of up to HKD4,000²’³. Whether you need the extra cash to pay your tax upfront, or simply to fulfill other life goals, Instant Loan gives you that added flexibility.

Enjoy ultra-low APR while earning great cash reward of up to HKD4,000

From now till 28 February 2022, you’ll enjoy an APR as low as 1.61%, including a cash reward of up tp HKD4,000²’³, when you successfully apply for an Instant Loan. For a loan amount of HKD200,000, the daily interest is as low as HKD13.2!

Loan amount Repayment period Cash reward
HKD350,000 to HKD749,000 49 months or above HKD1,500 
HKD750,000 or above 49 months or above HKD4,000

When you have successfully applied for an eligible Instant Loan, the cash reward will be credited to your Mox Account on or before 31 March 2023.   

Easy application, Get extra cash instantly

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 Credit⁴. 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.

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

¹General 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 Mox Credit of HKD750,000 into 49 monthly instalments, the Annualised Percentage Rate (APR) is as low as 1.61% (which this includes the cash reward of HKD4,000 which will be credited to your Mox Account on or before 31 March 2023), while the APR excluding cash reward of Instant Loan Cash Reward Promotion is as low as 1.88%. 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.​

³Instant Loan Cash Reward Promotion Terms and Conditions apply.

⁴The 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).