Don’t sweat tax season! Pay your tax bill with Instant Loan

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

Enjoy 3-month interest-free¹*
As low as HKD10 interest per day² for a loan of HKD100,000
Get the cash as quick as one second to your Mox Account upon approval
A flexible repayment period from 3 to 60 months
No extra documents required³
Instant calculation on the monthly payment and APR upon the selection

Enjoy a 3-month interest cash rebate on us! 

From 7 November 2023 to 29 February 2024, you can enjoy a 3-month interest cash rebate¹ upon a successful Instant Loan application with the below requirement⁴. That’s right, no interest for 3 months*!


Instant Loan amount  Repayment period  
HKD100,000 or above  36 months or above 

The cash rebate will be credited to your Mox Account on or before 31 March 2024.  

Example⁵ of a 3-month interest free* with Instant Loan

Instant Loan amount:HKD 680,000
Repayment period:60 months
Monthly fee:as low as 0.195%
Total interest amount:as low as HKD 79,560
Average monthly interest amount:as low as HKD 1,326
3-month interest cash rebate you can enjoy:Up to HKD 3,978

Remarks:
  • 3-month interest cash rebate is referring to the cash rebate equivalent to the amount of 3-month Interest, please refer to the promotion website page or terms and conditions for details.
  • The maximum cash rebate amount for each customer is capped at HKD4,000.
  • The first approved eligible Instant Loan application during promotion period will be considered calculating the cash rebate.
  • For the APR and monthly fee (which do not include the cash rebate of this promotion) of each Instant Loan application, you may refer to the Mox app while entering your Instant Loan amount and repayment period.
  • The promotion is subject to a limited quota and is available on a first-come, first-served basis.

Frequently Asked Questions

How is the 3-month interest cash rebate calculated?
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The 3-month interest cash rebate is a limited-time promotion by Mox. The cash rebate of each customer can enjoy from this promotion depends on the monthly fee and Instant Loan amount in his/her first approved eligible Instant Loan application during the promotion period, which is calculated as follows:

3-month interest cash rebate = Monthly fee^ × Approved Instant Loan amount × 3

You can refer to the loan calculator in Mox app for the monthly fee and APR when you apply for an Instant Loan.

^The “monthly fee”, is the amount of interest that will be charged on the Instant Loan and required to repay in each month and it will show as a percentage (%) in Mox app.

What is the maximum cash rebate each customer can enjoy from this promotion?
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The maximum cash rebate amount is capped at HKD4,000 for each customer. The first approved eligible Instant Loan application during promotion period will be considered calculating the interest cash rebate. Each customer can only receive the cash rebate once.

Example for reference:


Instant Loan amount (Repayment period) Monthly fee^ APR Cash rebate you can enjoy from the offer
HKD800,000 (12 months) As low as 0.27% as low as 6.12%* HKD4,000

^The “monthly fee”, is the amount of interest that will be charged on the Instant Loan and required to repay in each month.

*The mentioned APR does not include the 3-month interest cash rebate.

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). 

*3-month interest-free' refers to a 3-month interest cash rebate you can enjoy when you successfully apply for an Instant Loan with specific amount and repayment period. For details, please refer to the related promotion page and terms and conditions.

¹Instant Loan 3-month Interest Cash Rebate Promotion Terms and Conditions apply.

²For an Instant Loan of HKD100,000 into 60 monthly instalments, the Annualised Percentage Rate (APR) is as low as 6.93% (excluding cash reward of Instant Loan 3-month Interest Cash Rebate Promotion), and the respective estimated daily interest amount is HKD9.86. 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.

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.

⁴For an Instant Loan of HKD100,000 split into 36 monthly instalments, the monthly fee is as low as 0.35% and the Annualised Percentage Rate (APR) is as low as 8.16% (which do not include the 3-month interest cash rebate which will be credited to your Mox Account on or before 31 March 2024). 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.

⁵For an Instant Loan of HKD680,000 split into 60 monthly instalments and the Annualised Percentage Rate (APR) is as low as 4.54% (which do not include the 3-month interest cash rebate which will be credited to your Mox Account on or before 31 March 2024). 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.