Make a bigger dream with extra cash

Our lives are always full of different dreams: having a dream car and sweet home, wedding, advanced studying, and even long-awaited trips!

Achieve your dreams easily with ‘Instant Loan’ – the cash will be credited to your Mox Account instantly upon successful application, plus enjoy an attractive interest rate as low as 1.87%¹.

Daily interest as low as HKD 22.4 if you borrow HKD850,000²
No extra documents required, 24/7 application approval
Enjoy a flexible repayment period of up to 60 months

Apply for Instant Loan with account opening if you are new to Mox

New customers who want to apply for Instant Loan can click “Open account with Instant Loan” in the Mox app after downloading, then enter your personal details and choose the loan amount³ and repayment period to complete the account and loan application in one go. The whole process is simplified and easy. Upon approval, the cash will be credited directly to your new Mox Account.

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 HKD850,000 spilt into 49 monthly instalments, the Annualised Percentage Rate (APR) is as low as 1.87%.

²For an Instant Loan on a Mox Credit transaction of HKD850,000 into 49-60 monthly instalments, the Annualised Percentage Rate (APR) is as low as 1.87% (excluding cash reward of Instant Loan Cash Reward Promotion), and the respective estimated daily interest amount is HKD22.4. Interest is calculated on the basis of a 365-day 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.