Enjoy up to HKD8,888 Cash Reward and extra card in hand

Whether you need extra cash flow on hand to achieve other plans this year, Instant Loan can help you take charge of your life goals with flexibility.

Enjoy an APR as low as 1.98%¹, including HKD8,888 Cash Reward²
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
Instant calculation on the monthly payment and APR upon the selection

Enjoy up to HKD8,888 Cash Reward

Ready to give your finances a boost with our amazing offer? From 1 May until 2 July 2024, you can enjoy up to HKD8,888 Cash Reward² when you successfully apply for our designed Instant Loan below:


Instant Loan amount Repayment period Cash Reward
HKD250,000 or above 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 rewards will be credited to your Mox Account on or before 31 August 2024.

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).

¹For 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 1.98% (which this includes the cash reward of HKD8,888 which will be credited to your Mox Account on or before 31 August 2024), while the APR excluding cash rewards of Instant Loan Cash Reward Promotion is as low as 2.57%. 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.

²Instant Loan Cash Reward Promotion Terms and Conditions apply.

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.