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Realise your aspirations in an instant with Instant Loan

Got great ideas but short on cash? No need to wait around. Apply for an Instant Loan and extra cash will go straight to your Mox Account as quick as one second upon approval!

No extra documents required¹
24/7 instant application approval
A flexible repayment period from 3 to 60 months
For a loan amount of HKD800,000, the monthly payment is as low as HKD1,560²
HKD0 one-off fee
Open Mox Account with Instant Loan, all in one go
Open Mox Account with Instant Loan, all in one go

Open Mox Account with Instant Loan, all in one go

  1. Download Mox app > ‘Open account with Instant Loan’
  2. Get an instant calculation of estimated monthly repayments and APR with your desired loan amount and repayment period
  3. Enter the information and open your Mox Account, Mox Credit together with your Instant Loan application
  4. Cash will be instantly credited to your new Mox Account upon approval, and even repayments can be made all in the same app
Get an Instant calculation and apply for Instant Loan!

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

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.

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). 

¹You 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.

²For an Instant Loan on a Mox Credit transaction of HKD800,000 into 60 monthly instalments, the Annualised Percentage Rate (APR) is as low as 4.53%, and the respective estimated monthly interest amount is as low as HKD1,560. Interest is calculated on the basis of a 12-months year. 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.