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Realise your plans with our tax season low interest rate

🚘🏠🎓🛍️…… Have you started your plan for the year yet? Our Instant Loan tax season low interest rate is here for you, so that you can seize this chance to reserve extra cash for your new plans🙌🏼.


Apply in just a few clicks, and the cash will go straight to your Mox Account in as soon as a second after approval, helping you achieve whatever you want.

Enjoy ultra-low APR while earning great cash reward of up to HKD4,000

From now till 17 April 2023, you can continue to enjoy our tax season low interest rate, which is an APR as low as 1.61%¹, including a cash reward of up to HKD4,000², when you successfully apply for an Instant Loan of specific loan amount and repayment period.


Loan amount Repayment period Cash reward
HKD350,000 to HKD749,000 49 months or above HKD1,500 
HKD750,000 or above 49 months or above HKD4,000

When you have successfully applied for an eligible Instant Loan, the cash reward will be credited to your Mox Account on or before 31 May 2023. 

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.

¹For an Instant Loan on Mox Credit of HKD750,000 into 49 monthly instalments, the Annualised Percentage Rate (APR) is as low as 1.61% (which this includes the cash reward of HKD4,000 which will be credited to your Mox Account on or before 31 May 2023), while the APR excluding cash reward of Instant Loan Cash Reward Promotion is as low as 1.88%. 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.

³The 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).