Mox Instant Loan | Apply Loan Online

Goals within reach - attractive rate as low as 1.18%

Big plans or small? Instant Loan keeps you moving with simple application, fast approval, zero stress. APR goes as low as 1.18%¹ - All within Instant Loan.

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Extra financial boost: Up to HKD12,888 Cash Reward💰

Extra financial boost: Up to HKD12,888 Cash Reward💰

From now until 31 July 2026, successfully apply for designated Instant Loan and enjoy up to HKD 12,888 cash reward²:

Eligible Instant Loan amount	Repayment period	Reward
HKD250,000 to HKD399,999.99	36 months or above	HKD800
HKD400,000 to HKD499,999.99	36 months or above	HKD1,000
HKD500,000 to HKD749,999.99	36 – 48 months	HKD2,000
HKD500,000 to HKD749,999.99	49 months or above	HKD4,000
HKD750,000 to HKD999,999.99	36 – 48 months	HKD4,000
HKD750,000 to HKD999,999.99	49 months or above	HKD8,000
HKD1,000,000 or above	36 – 48 months	HKD8,000
HKD1,000,000 or above	49 months or above	HKD12,888

Cash Reward will be credited to your Mox Account on or before 31 January 2027.

Just need a little extra financial boost?

Just need a little extra financial boost?

Instant Loan daily interest goes as low as HKD6^, so even when unexpected expenses come your way, you can handle them with ease.

4 unique advantages of Instant Loan

✓ Instant Quotation: View your APR in seconds through Mox App

✓ Flexible Options: Repay 3–60 months — your choice

✓ Zero Handling Fees: what you see is what you get — no extra or hidden fees

✓ Instant approval³: Get cash as fast as 1 second — straight to your Mox account upon approval

Just 3 steps to apply and get extra cash in just 1 second upon approval

Just 3 steps to apply and get extra cash in just 1 second upon approval

Step 1: Open your Mox app > go to ‘More’ 

Step 2: Tap ‘Borrow’, then choose ‘Instant Loan’ 

Step 3: Follow the on-screen instructions to complete your application. That’s it! 

*New to Mox? open an account via the Mox app⁴. Once your Mox Credit Card is approved, you can apply for Instant Loan. * 

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📞 +852 2888 8228

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Frequently Asked Questions

What is Instant Loan?

Mox Instant Loan is a personal loan, a convenient and quick way for accessing cash from your Mox Credit Card. It offers flexible repayment options, allowing you to choose a period from 3 to 60 months that best suits your financial needs.

Can I apply for Instant Loan entirely online?

Absolutely! We offer a fully online personal loan service. From application to disbursement, everything can be conveniently completed through our Mox app. It's the ideal choice for a fast loan. Once your application is approved, the cash will be instantly credited to your Mox Account, perfect for urgent financial needs or everyday expenses.

How quick is the Instant Loan application process?

Existing Mox customers can apply anytime, anywhere via the "Borrow" section in the Mox app. Simply select your desired loan amount and repayment period, then follow the on-screen instructions. Loans can be approved instantly³, making it one of the most convenient online loan options available.

New customers can follow the same process to apply for Instant Loan after successfully opening a Mox Account and getting their Mox Credit application approved. The entire process can be completed in just a few minutes.

What is the Annualised Percentage Rate (APR) for Instant Loan?

The Annualised Percentage Rate (APR) for Instant Loan is as low as 1.18%¹. You can use our Repayment Calculator to quickly estimate your repayment amounts.

How does Instant Loan compare to personal loans offered by traditional bank?

With Mox, upon successful loan application, you’ll receive the full approved amount with zero handling fees. Compared to traditional bank personal loan, our application is fully digital and disbursement is much faster. Once approved, the cash will be instantly credited to your Mox Account.

What can I use Instant Loan for?

Instant Loan can meet a variety of your needs, such as paying taxes, home renovations, purchasing a car, wedding expenses, starting a business, or any other plans requiring immediate cash flow. It's a flexible instalment loan for life's moments that can also serve as a cash loan when you need funds quickly.

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

Please refer to Part B (Instant Loan) of the Mox Credit Schedule (also referred to as ‘Schedule 3 to the General Terms and Conditions’) and the Instant Loan Key Facts Statement for further details.

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.

The Annualised Percentage Rate ranges from 1.18% to 19.84%, with repayment period of 3 to 60 months.

¹For an Instant Loan with a principal amount of HKD1,000,000 with a repayment period of 6 months, the Annualised Percentage Rate (APR) is as low as 1.18% (which does not include any cash reward under the Instant Loan Cash Reward Promotion). Total repayment amount is HKD1,003,420. 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. For an Instant Loan with a principal amount of HKD1,000,000 with a repayment period of 60 months, the Annualised Percentage Rate (APR) is as low as 3.42% (when including the cash reward of HKD12,888, which will be credited to your Mox Account on or before 31 January 2027), while the APR excluding cash rewards of Instant Loan Cash Reward Promotion is as low as 3.95%. If you apply to top up your active Instant Loan(s), the Eligible Instant Loan Amount for the Instant Loan Cash Reward Promotion will be the Instant Loan principal amount that is on top of the outstanding principal amount of your active Instant Loan(s).

³After logging into the Mox app, loan applications completed by existing customers may be approved instantly. Instant approval is available to customers who meet our approval requirements, on case-by-case basis. The actual processing time required may differ depending on the circumstances of individual applications.

⁴You 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.

^For an Instant Loan of HKD100,000 split into 60 monthly instalments, the Annualised Percentage Rate (APR) is 3.95%. With interest calculated on 365 days per year, the estimated daily interest amount is HKD5.6 (rounded to the nearest whole number).