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Achieve your goals in a tick and enjoy an APR as low as 1.80%

Life is a to-do list and many times you will need extra cash to tick off your goals. Apply for an Instant Loan with extra cash and reward! It can help you take charge of your life with the flexibility you need and achieve your goals faster.

Enjoy an APR as low as 1.80%¹ with HKD950,000 or above and repay in 12 months
Earn up to HKD8,888 Cash Reward² with a designated Instant Loan
No extra documents required³
Get the cash as quick as one second to your Mox Account upon approval
A flexible repayment period from 3 to 60 months
HKD0 one-off fee
Enjoy an APR as low as 1.80%¹
Enjoy an APR as low as 1.80%¹

Enjoy an APR as low as 1.80%¹

How many of your goals have you left unchecked? Now, there’s an easy way to tick them all! Simply successfully apply for an Instant Loan of HKD950,000 or more and repay over 12 months to enjoy an APR as low as 1.80%¹. Don't miss out on this ultra-low APR! Act now!

Same loan amount and apply for a longer tenor can enjoy up to HKD8,888 Cash Reward. Scroll down and learn more details.

Enjoy up to HKD8,888 Cash Reward²
Enjoy up to HKD8,888 Cash Reward²

Enjoy up to HKD8,888 Cash Reward²

How many of your goals have you left unchecked? Let's see if we can tick them all! From 4 September until 2 October 2024, you can enjoy up to HKD8,888 Cash Reward² when you successfully apply for our designed Instant Loan to achieve your life goals faster. Details below:


Instant Loan amount Repayment period Cash Reward
HKD150,000 to below HKD250,000 49 months or above HKD1,888
HKD250,000 to below HKD750,000 36-month to 48-month HKD1,888
49-month or above HKD2,888
HKD750,000 or above 36-month to 48-month HKD4,888
49-month or above HKD8,888

Cash Reward will be credited to your Mox Account on or before 30 November 2024.

New Top Up Instant Loan: Borrow more with new flexible repayment period
New Top Up Instant Loan: Borrow more with new flexible repayment period

New 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

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.

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).

The Annualised Percentage Rate ranges from 1.80% to 21.68%, with repayment period of 3 to 60 months.

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.

#Once you confirm to top up, all your existing Instant Loan(s) will be closed. Applicable fees and charges, including any interest accrued since last Mox Credit statement and the early settlement fee of your existing Instant Loan(s) will be charged to your next Mox Credit statement for repayment.

¹𝄒*For an Instant Loan on a Mox Credit transaction of HKD950,000 spilt into 12 monthly instalments, the Annualised Percentage Rate (APR) is as low as 1.80% (which does not includes cash reward of Instant Loan Cash Reward Promotion), the total loan repayment amount is HKD 959,234

²Instant Loan Cash Reward Promotion Terms and Conditions apply. For an Instant Loan on a Mox Credit transaction of HKD750,000 spilt into 49 monthly instalments, the Annualised Percentage Rate (APR) is as low as 4.17% (which includes the cash reward of HKD8,888 which will be credited to your Mox Account on or before 30 November 2024), while the APR excluding cash rewards of Instant Loan Cash Reward Promotion is as low as 4.78%. If you apply to top up your active Instant Loan(s), the Eligible Instant Loan Amount applicable for this promotion will be additionally borrowed principal amount on top of the outstanding principal amount of your active Instant Loan(s).

³You 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.