Find The Best Tax Loans In Hong Kong
Updated: 23 Apr 2026
Loan | Monthly Repayment | MoneyHero Reward | Total Interest | APR | ||
|---|---|---|---|---|---|---|
 | Citi Speedy Cash Personal Loan | HK$12,740 | HK$8,300 | HK$5,760 | 1.78 % | |
 | CNCBI $mart Plus Personal Installment Loan | HK$12,614 | HK$5,000 | HK$2,736 | 1.78 % | |
 | WeLend Personal Loan | HK$12,743 | HK$18,256 | HK$5,832 | 1.00 % | |
 | OCBC Bank Personal Loan | HK$12,921 | HK$8,800 | HK$4,032 | 1.68 % | |
 | PrimeCredit Fixed Loan | HK$12,650 | - | HK$3,600 | 1.18 % | |
 | UA i-Money Internet Personal Loan | HK$12,644 | HK$10,100 | HK$3,456 | 1.10 % | |
 | Standard Chartered Personal Instalment Loan | HK$12,749 | HK$6,000 | HK$5,976 | 1.85 % | |
 | CreFIT Cash Loan (For Civil Servants and Professionals) | HK$12,680 | HK$23,200 | HK$4,313 | 1.38 % | |
 | WeLab Bank Personal Instalment Loan | HK$12,740 | HK$7,000 | HK$5,760 | 0.65 % | |
 | HSBC Personal Instalment Loan | HK$13,250 | - | HK$18,000 | 5.81 % |
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1. Fill in the application form and submit it together with the required documents.
2. Wait for the loan approval result
3. Disburse the loan
- Same-day approval and same-day loan disbursement
- The loan amount is up to 12 times of the monthly salary or HK$3,500,000, whichever is lower
- Repayment term up to 60 months, HK$0 handling fee
- No hidden terms and conditions
- Hong Kong Identity Card
- Income proof (for example: latest month's payroll slip, latest salary tax demand note, latest MPF contribution proof or latest three months' payroll account bank statement/account passbook (with first page showing your name and account number))
- Latest three months' full set of main bank statement/account passbook (with first page showing your name and account number)
- Latest residential address proof (for example: electricity bill or bank statement)
- Any other documents or certificates deemed appropriate.
- The annualized percentage rate (“APR”) ranges from 1.78% to 35.78%, with repayment period of 6 to 60 months.
- The Annualized Percentage Rate ("APR") of as low as 1.78% is calculated based on the monthly flat rate 0.08% with loan amount of HK$1,500,000 and repayment tenor of 12 months.
- The Annualized Percentage Rate ("APR") of as low as 35.78% is calculated based on the monthly flat rate 1.46% with loan amount of HK$100,000 and repayment tenor of 18 months.
- APR is calculated based on the guidelines as set out in the Code of Banking Practice and rounded up to the nearest two decimal places. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ, which is to be considered on a case-by-case basis in accordance with customer’s profile. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate. The maximum APR will change and subject to monthly flat rate amendment. The Bank reserve the right to amend the monthly flat rate and APR. The loan application is subject to the Bank’s approval. For a loan amount of HKD1,500,000 with 12 months repayment period, the monthly flat rate is 0.08% (APR 1.78%, excluding any cash rebate) and the total loan repayment amount is HKD1,514,400 (including full handling fee waiver). The above example is for reference only
Remarks:
- The Annualized Percentage Rate ("APR") of as low as 1.78% is calculated based on the monthly flat rate 0.08% with loan amount of HK$1,500,000 and repayment tenor of 12 months, and is applicable to Citigold Private Client customers with Citi ULTIMA. APR is calculated based on the guidelines as set out in the Code of Banking Practice and rounded up to the nearest two decimal places. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ, which is to be considered on a case-by-case basis in accordance with customer's profile. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate.
- Loan amount of Citi Speedy Cash is up to 12x times of your monthly salary or HK$3,500,000, whichever is lower.
- Repayment period of Citi Speedy Cash is of 6 to 60 months.
- Application hotline service hours: Monday to Friday 9:30am – 6:30pm (not applicable to Hong Kong public holiday).
- “Instant Disbursement Upon Loan Approval” is only applicable for disbursement to participating banks of Faster Payment System (FPS), and is subject to Citi’s loan approval and availability of FPS, while the crediting to the recipient’s account is subject to the recipient bank’s handling. Processing time may vary in some cases depending on the actual circumstances of individual applications.
To borrow or not to borrow? Borrow only if you can repay!
- Fill in the online application form
- Submit the required documents
- Receive the approval result
- Confirm offer and disburse loan
- APR as low as 1.78%
- Loan amount as high as HK$2,000,000 or 18 times of your monthly salary (whichever is lower)
- Flexible repayment period of 6 to 60 months
- Same day disbursement to your CNCBI account
1. HKID card / passport / other identification document
2. Bank statement or passbook showing your latest 1-month income proof (including the copy of front cover page
of your passbook which shows your name and account number) or any type of income proof. Please provide
the latest 2-month income proof if you are commission based income earner
3. If you are self-employed, please provide Business registration certificate and the latest profits tax demand note, and
the latest 3-month company account statements
4. Residential address proof showing your name issued within the latest 3 months (e.g. electricity bills or bank statements)
5. Proof of professional qualification (For professionals only)
6. If you are not holder of Hong Kong permanent identity card, please submit passport/ Exit/ Entry Permit for Travelling to and from Hong Kong and Macau/ identity card of place of origin and working visa issued by the Hong Kong SAR Government
7. Full copy of the front cover page of passbook / bank statement of the loan disbursement account
8. Autopay authorization form
9. Loan confirmation letter(s) or latest 1-month statement(s) (showing your name and account number) of credit card(s) and loan(s) that you wish to transfer to CNCBI $mart Plus Personal Installment Loan
- The APR is calculated in accordance with the practices and methods set out in the relevant guidelines issued by the Hong Kong Association of Banks. An APR is a reference rate which includes the basic interest rate and other applicable fees and charges expressed as an annualized rate. The respective APRs are rounded to the nearest two decimal places.
- The APR 1.78% is calculated based on loan amount HK$2,000,000, loan tenor of 12 months and monthly flat rate of 0.038%, including a Handling Fee of 0.5% per annum. The examples are for reference only. The APR will be determined based on the customer's credit rating and other relevant loan approval factors, and the bank reserves the final discretion to approve the loan application and to determine the applicable interest rate and handling fee. The handling fee of 1% is for other scenario.
- Handling Fee is charged 1% per annum based on loan amount and shall be deducted upon loan drawdown.
- Same-day fund disbursement service is applicable to customers who use CNCBI bank account for fund disbursement, and it only applies to our Bank’s service hours (Monday to Friday from 9:00 am to 8:00 pm and except Saturday, Sunday and public holidays). The processing time starts when the approved loan is confirmed with the Bank.
- Terms and conditions apply. To borrow or not to borrow? Borrow only if you can repay! Please visit the website
1. Apply online
2. Upload documents
3. Instant approval
4. Verification and disbursement
- Enjoy Cash Reward up to HK$33,800 upon successfully draw down
- A.I. fully automated loan with simplified loan process; from application, approval to disbursement, all done online.
- A.I. processes loan quickly, cash is transferred automatically and instantly once the loan is confirmed.
- Utilizing A.I. big data to calculate personalized quotations, ensuring the loan amount based on your needs.
- WeScore new credit indicator, assist you to restore long term financial health by using 400 million sets of data!
- HKID Copy
- Disbursement account proof
- Residential address proof
- Commission Based Salary: Minimum recent 3 months of Income Proof
- Real Estate Industry: Minimum recent 6 months of Income Proof
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Parts of the cash rebate will be distributed by WeLab Bank, all cash rebate is subject to the terms & conditions.
- The above interest rates and repayment information are for reference only. The final terms will be determined based on the customer's application information and personal credit records.
- WELEND LIMITED reserves its absolute right on any loan approval decision and any disputes.
- Warning: You have to repay your loans. Don’t pay any intermediaries.
- Customer Service/ Complaint Hotline: 3590 6396
- Money Lender's License: 0900/2025
1. Apply Online
2. Application and Documents Submission: The relationship officer will contact you to complete the application form and submit the required documents.
3. Application Approval: Generally, the application result will be notified within 1 to 2 working days after submitting the documents. Instant approval can also be offered upon request, with the process completed as soon as the same day.
4. Loan Drawdown: Upon completion of loan confirmation process, the fund will be disbursed to your designated bank account via bank transfer or cashier order.
- APR as low as 1.68%
- Loan amount up to HK$2,000,000 or 20X of your monthly salary (whichever is lower)
- Repayment tenor up to 60 months
- Personal Identification Document: HKID card or passport
- Income Proof: Recent pay slip, your bank statement or bank book (with your name and account number) showing your recent income, your recent income tax bill, proof of your last MPF contribution, employment letter or contract, etc.
- Address Proof: Recent bank statement, credit card statement, water bill, telephone bill etc. If your address is shown on your income proof, you will be exempted from submitting the address proof.
- Other documents (if necessary)
- For more details, please click here
- APR is calculated according to the method set out in the relevant guidelines under the Code of Banking Practice issued by the Hong Kong Association of Banks as the basis.
- If the loan amount is $1,500,000 with the monthly flat rate at 0.062%, when approval is obtained from the Bank, the APR for 12 months will be 1.68% (inclusive of HK$12,600 cash rebate) or 3.28% (excluding cash rebate), including the handling fee of 1.00% per annum, the total repayment amount will be HK$1,511,160. The loan handling fee is to be paid in full upon loan drawdown. The value of the Rebate that an Eligible Customer is entitled to will depend on the Loan amount applied for and drawn down and the APR.
- Example is for reference only, APR may differ with different loan amounts and tenors.
- For details, please contact our staff..
- To borrow or not to borrow? Borrow only if you can repay!
- Online application with 24/7 instant approval and loan disbursement
- No income proof is required for loan amount HK$100,000 or below
- Repayment terms up to 72 months
- No handling fee, no early settlement fee
- Only applicable to eligible customers. For more loan and offer details, please visit the PrimeCredit website
- All examples and information of interest rate are for reference only, and final approval is subject to actual circumstances of individual personal loan applicant
(1) HKID Card
(2) Proof of address: such as utility bills, bank statements, etc., which need to show your name and most recent address.
(3) (Optional) Proof of income can be waived (subject to meeting credit record requirements)
- Warning: You have to repay your loans. Don't pay any intermediaries
- Enquiry and Complaint Hotline: 2111 2999
- Money Lender's Licence No.: 608/2026
1. Hong Kong Identity Card
2. Recent income proof, e.g., payroll slip, tax demand note, monthly bank account statement/passbook with your salary or MPF statement
3. Employment proof
4. Current residential proof, e.g. utility bills, bank statement
- Whole loan process is completed 24x7 online
- Apply online anytime anywhere, no face-to-face contact is required
- Property owners enjoy a large loan amount up to HK$1,500,000 with flexible cash out. No property deed is required
- Flexible repayment term of up to 24 months
- "MGM Program": Up to HK$60,000 for successful referral. Enjoy unlimited rewards with more
- ^Cash Reward Offer is subject to terms and conditions. For details, please click here.
-
New and existing customers refer to the customers who have not any loan transaction with the Company in the past 24 months from the date of application. For e-Cash Revloving Loan applicants who open account, before Personal Instalment Loan application, within the Promotion Period is granted for exemption to entitle the above reward.
-
New and existing customer is entitled for the Welcome Offer if the following requirements are satisfied within the Promotion Period:
-
The account opening cash reward only applicable to New Customers who successfully opened an e-Cash Revolving Loan Account
-
New and existing customers who successfully drawdown personal instalment loan are eligible to drawdown the cash reward, and such reward shall be calculated according to the amount of personal instalment loan
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- 1. The minimum and maximum repayment period is 3 months and 60 months respectively.
2. According to the Money Lenders Ordinance, the maximum annual percentage rate is 48%.
3. A representative example of total cost for a loan below is for reference only: - o Loan amount: HK$10,000
o Monthly installment of HK$1,672 for 6 months
o Interest rate: 0.092% per month
o Annual percentage rate: 1.1%
o Total repayment amount: HK$10,032 -
Loan approval and electronic transfer service is available from Monday to Friday (9:00am-6:30pm), Saturday (9:00am-12:30pm) and except to Sunday & public holidays. The actual date of transfer is subject to the transfer servicing hours of each individual bank.United Asia Finance Limited reserves the right to make final decision on loan approval
-
United Asia Finance Limited reserves the right to make final decision on loan approval
-
Warning: You have to repay your loans. Don't pay any intermediaries.
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Enquiry and Complaint Hotline: 2681 8888
-
Money Lender’s Licence No.: 0805/2025
1. Apply online
2. Upload documents
3. Approve instantly
4. Verify and disburse loan
- Maximum loan amount of up to 18X monthly salary or HK$4,000,000 (whichever is lower)
- Max Loan Repayment Tenure: 60 months; 0% handling fee
- 7-Day Cooling-off Period - Early redemption fees and changes waiver with waiver on early redemption fee and charges
1. Hong Kong Permanent Identity Card
2. Latest residential address proof showing your name
3. For regular income earners, please enclose latest 1 month’s computer generated Payroll Slip or latest 1 month’s Bank Statements / Passbook showing name, account number and salary entries;
For irregular income earners, please enclose latest 3 months’ computer generated Payroll Slip or latest 3 months’ Bank Statements / Passbook showing name, account number and salary entries;
For self-employed applicants, please enclose a Business Registration Certificate AND latest Profits Tax Demand Note
- The Annualised Percentage Rate is 1.85% (for clients with loan amount of HK$1,500,000 or above and tenor of 12 months). APRs are reference rates which include the basic interest rate and other applicable fees and charges of a product expressed as an annualised rate. This APR does not include cash rebate. The preferential interest rates are only applicable to clients who are not holding any Standard Chartered Credit Cards at the time of this application, or clients who use the Bank’s auto-payroll services or SCB Priority Private / Priority Banking Customers. The Bank reserves the right to determine the applicable interest rate and handling fee, and to approve a loan application, which is to be considered on a case-by-case basis in accordance with the client’s credit records and other relevant factors as the Bank may consider in its absolute discretion. All offers are subject to Terms and Conditions
- The Annualised Percentage Rates (“APR”) are reference rates which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable).
- Standard Chartered Bank reserves the right to determine the applicable interest rate and handling fee and acceptance of a loan application, which is to be considered on a case-by-case basis in accordance with the client’s credit records and other relevant factors.
- Eligibility: With fixed annual income of HK$96,000 or above; and Hong Kong permanent residents aged 20 or above
- The monthly flat rate shown above was rounded to 2 decimal places and for reference only.
- To borrow or not to borrow? Borrow only if you can repay!
- Cash Loan Approval Pledge^
- Incognito mode quotation with no impact on credit rating#, No income proof required.
- Repayment tenor of 6, 12, 18, 24, 30, 36, 42 or 48 months
- Loan amounts up to HK$500,000
- No extra and hidden fee
- #No credit report checks on Incognito mode quotation stage and authorize the credit report to complete the approval after that
(1) HKID Card
(2) Mobile phone
- For example, if the loan amount is HK$200,000 with repayment period in 24 months, the Effective Rate (calculated using relevant guidelines from the Hong Kong Association of Banks) are 8% respectively. In this case, the monthly repayment amount and the total interest paid over the loan period would be HK$9,027.78 and HK$16,666.72 respectively.
- The effective rate is a reference rate that displays the loan interest rate and other fees on an annualized basis. The effective rate is calculated using the method specified in the Money Lenders Ordinance, calculating the annual interest rate on the same basis. All accredited Hong Kong lending companies use the same set of calculation rules and settings.
- There is no drawdown fee or annual fee for this loan product. If the loan instalment is not fully repaid on the due date, a fixed late fee of HK$300 and late interest will be charged for each overdue instalment.
- CreFIT Cash Loan Applicant Requirements: Aged 18 or above, Hong Kong Permanent Resident, Hong Kong local mobile phone number, Average monthly salary of HK$5,000
- Effective Rate as low as 1.38%-36.00% in general
- Terms and Conditions apply
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Warning: You have to repay your loans. Don't pay any intermediaries
- Inquiries and complaints hotline: 6369 2338
- Money Lender‘s Licence No.: 577/2026
- VCREDIT Finance Limited
1. Apply through WeLab Bank app
2. Upload documents
3. Verify and get approval
4. Disburse loan
- APR as low as 0.65%*
- Loan amount up to HK$1,500,000 or up to 18x monthly salary (whichever is lower)
- Enjoy up to HK$26,888 rewards upon successful application and drawdown of specified loan amount
- Complete your application in as fast as 3 steps
- **After get your loan in 1 day at the earliest with HKD 0 handling fee
- Smart Management in 1 App - Complete loan applications, approvals, and management in 1 app, truly simple and convenient!
- Intelligent Financial Health Analysis - Free and unlimited access to credit score assessments.^
Employed - Regular Income:
Latest 1 month income proof, and
A recent address proof issued within the last 3 months
Freelancer or Employed - Variable income:
Latest 6 months income proof, and
A recent address proof issued within the last 3 months
Business Owner:
Latest 3 months personal bank statement, and
Latest 6 months company bank statements or salary tax demand note, and
A recent address proof issued within the last 3 months
- **The estimated period is calculated from the day the loan agreement is signed. The actual approval period and the actual time the loan is disbursed may vary upon information provided by the applicants.
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The above APR is applicable for designated loan product with loan amount as HKD 283,000 with tenor of 24 months, the APR will be 0.65% (including a cash rebate of HKD 3,000) or 1.68% (without any cash rebate) and total repayment amount will be HKD 287,924.20. The APR is calculated according to the guidelines issued in respect of the Code of Banking Practice and rounded to the nearest 2 decimal places. The APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualized rate. The final APR offered is subject to the applicant’s application information, personal credit record, and the final approval process.
- We reserve the right to request customers to provide additional supporting documents for the loan application. The actual time for loan approval and the loan disbursement may vary depending on the information provided by the customer and are subject to the credit assessment result. Any loan application is subject assessment against normal lending criteria.
- ^Subject to terms and conditions. Customers must meet specified requirements, and actual circumstances may vary depending on individual situations. For details, please refer to the relevant terms and conditions on the WeLab Bank official website.
- To borrow or not to borrow? Borrow only if you can repay!
HSBC Personal Instalment Loan
- APR as low as 1.88% (monthly flat rate as low as 0.10%) ; HK$0 handling fee
- 1-minute approval; no income proof is required if you have maintained an auto payroll account with HSBC for one month or above
- Borrow up to HK$3,000,000 or 23 times your monthly salary, whichever is lower
- Flexible repayment period from 6 months to 60 months
- Cash withdrawal from over 1,000 HSBC's ATMs and branches
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Only applicable to selected customers who successfully apply for and draw down an approved loan of HK$1,500,000 or above during the promotional period. For a repayment period of 12 months, the monthly flat rate is 0.10%, the Annualised Percentage Rate (APR) is 2.25% (without any cash rebate and RewardCash) or 1.88% (taking into account HK$1,500 cash rebate and $1,400 RewardCash). The APR is calculated using method specified in relevant guidelines issued by The Hong Kong Association of Banks, and is rounded up or down to the nearest two decimal places. An APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate. For your eligible rates, please call our hotline 2748 8080, log on to HSBC Online Banking or the HSBC HK App for details.
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It comprises the total sum of up to HK$5,000 cash rebate and $5,000 RewardCash under the Successful Application Offer. Customers who successfully apply for and draw down an approved loan of HK$1,500,000 or above with a repayment period of 60 months during the promotional period will be eligible for a total sum of up to $10,000 rebate.
- Only applicable to customers who successfully apply for and draw down anapproved loan of HK$600,000 Oor above, with a loan tenor of 36 months or above during the promotional period via HSBC Online Banking or the HSBC HK App, will be eligible for one set of HSBC LimitedEdition Commemorative Mahjong Set.
- Processing time may vary in some cases depending on the actual circumstances of individual applications
- Minimum redraw is HK$3,000 and you must have had a Personal Instalment Loan account for at least 3 months. The Bank reserves the final right of allowing customers to redraw or not and has sole discretion to determine the redrawn amount and tenor
- Applications have to be submitted during the Bank’s service hours (Monday to Friday: 9 am - 8 pm, Saturday: 9 am - 5 pm, Sunday and public holidays: 12 noon - 12 midnight, or individual branch’s opening hours) with all required information (including without limitation a valid HSBC banking account number) and documents. The actual turnaround time starts when all the required information is successfully inputted into the Bank’s application evaluation system and the Bank may provide the instant application result and fund disbursement. Processing time may vary in some cases depending on the actual circumstances of individual applications.
- The actual repayment amount is subject to final approval
- Offer examples above are for reference only.
- Terms and conditions apply. For details, please refer to HSBC’s website. The monthly repayment amount, monthly flat rate, Annualised Percentage Rate (APR) and total interest amount shown are for indication only and are not meant to be final.
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Terms and conditions apply. Please visit our website hsbc.com.hk/loan for promotional period, offer details and full terms and conditions regarding this promotion.
- Issued by The Hongkong and Shanghai Banking Corporation Limited
- To borrow or not to borrow? Borrow only if you can repay!
Tax Loan Information
What is tax loan?
Tax loans are typically offered by banks and lending companies during the tax season, designed to help individuals or businesses manage their tax-related expenses. Tax loans can assist you in covering your tax-related payments, such as Salaries Tax, Property Tax and Profits Tax, when you may not have the immediate funds to do so.
In addition to giving a helping hand in tax obligations, tax loans are increasingly used for various purposes, such as home improvements, education expenses, or medical bills, you may also use tax loans for accessing funds for investment opportunities, business ventures, or personal expenses. The flexibility of tax loans makes it a versatile financial tool, providing quick access to funds with low interest rates for a wide range of needs.
What is the difference between instalment loans and tax loans?
There are differences and similarities between the types of loans, in terms of application periods, purposes, repayment structures, documentation & approval as well as interest rates & fees:
|
Instalment Loans |
Tax Loans |
|
|
Application Period |
All year |
Tax season, mid-October to April next year |
|
Purpose |
General-purpose, for personal/business needs |
Mainly for tax-related expenses, but increasingly used for other purpose |
|
Repayment Structure |
Regular fixed instalments over a repayment period ranging from 3 months to 72 months |
Regular fixed instalments over a repayment period up to 24 months.
|
|
Documentation & Approval |
ID card, proof of income, proof of address |
ID card, proof of income, proof of address, tax slip |
|
Interest Rates |
Higher |
Lower |
When are tax loans available?
The availability and specific terms of tax loans in Hong Kong can vary among different financial institutions. Generally, these loans are available from October to April of the following year. For instance, financial institutions may begin offering tax loans from October 2024, up until April 2024 when the tax season in Hong Kong ends.
How do I apply for tax loans?
Applying for tax loans is usually easy. You can start by searching for the best tax loans offered by various financial institutions on MoneyHero's website, compare and choose the one that suits you best. Typically, you'll need to provide some documents related to your taxes, like tax slips or tax assessment notices. Once you've applied and been approved, the bank or lending company will let you know how you'll receive the money and when you need to repay it.
The application process can be divided into four steps, starting from the application submission and ending with loan approval:
1. Application Form: Complete the tax loan application form provided by the financial institution.
2. Supporting Documentation: Gather the necessary supporting documents as required. These documents may include tax returns, tax assessment notices, proof of income, bank statements, identification documents, and any other documentation specified by the lender.
3. Loan Amount and Repayment Plan: Determine the loan amount you require to cover your tax obligations. Some financial institutions may have a maximum loan limit based on your income or the expected tax refund amount. Additionally, discuss and decide on the repayment period that suits your financial situation
4. Loan Approval and Disbursement: After submitting your application and supporting documents, the financial institution will evaluate your application. If approved, you will receive a loan offer outlining the loan amount, interest rate, fees, and repayment terms. Upon acceptance of the tax loan offer, the funds will be disbursed to you, either directly to your bank account or through another agreed-upon method.
What are the requirements for tax loan applications?
When applying for a tax loan, financial institutions will require a variety of details and documents. Generally speaking, applicants will need to provide identification documents, personal contact information, employment details, proof of tax obligations, and proof of income.
Overview of Popular Loan Products on MoneyHero: Repayment Periods and Maximum Annual Percentage Rates (APR)
| Loan product | Repayment period | Highest APR | Example |
| Promise Easy Loan | 3 Months - 84 Months | 4.49% or above, the highest is 48% | Loan amount of HK$200,000 with a 36-month repayment period, at an APR of 4.49%, the monthly repayment amount is HK$5,940, and a total repayment amount of HK$213,840 |
| PrimeCredit Fixed Loan | 3 Months - 72 Months | 1.18% or above，the highest is 48% | The monthly repayment amount is HK$839, the total interest expense is HK$68, and the total repayment amount is HK$10,068 for a Loan amount of HK$10,000 with an interest rate of 0.6% per annum and a repayment period of 12 months |
| WeLend Personal Loan | 3 Months - 84 Months | 1.88% or above, the highest is 48% | Loan amount of of HK$240,000 with a 36-month repayment period, at an APR of 3.03%, the total repayment amount is HK$251,189 |
| DBS Debt Consolidation Loan | 3 Months - 84 Months | 6.38% or above, the highest is 30.57% | Loan amount of HK$200,000 with a 48-month repayment period, at an APR of 10.42%, inclusive of a 2% loan opening fee, a monthly repayment amount of HK$4,967, and a total interest expense of HK$38,416 |
| UA「NO SHOW」Personal Loan | 3 Months - 60 Months | 1.68% or above, the highest is 48.00% | Loan amount of HK$10,000, at an APR of 30%, 6 months instalment, the monthly repayment amount is HK$1,815, total repayment of HK$10,890 |
| Standard Chartered Personal Instalment Loan | 12 Months - 60 Months | 1.85% or above, the highest is 36% | Loan amount of HK$200,000 with a 24-month repayment period, at an APR of 6.28%, the monthly repayment amount is HK$8,873.33 repayment per month and a total interest expense of HK$12,960 |
| CNCBI $mart Plus Personal Instalment Loan | 6 Months - 60 Months | 1.78% or above, the highest is 35.99% | Loan amount of HK$2,000,000, loan tenor of 12 months and monthly flat rate of 0.038%, including a Handling Fee of 0.5% per annum, at an APR of 1.78% |
| Citi Speedy Cash Personal Loan | 6 Months - 60 Months | 1.78% or above, the highest is 35.78% | Loan amount of HK$3,500,000 with a 12-month repayment period, at an APR as low as 1.78% |
| PrimeCredit Civil Servant & Professional Loan | 3 Months - 72 Months | 1.18% or above, the highest is 48% | Loan amount of HK$10,000 with a 12-month repayment period, at an interest rate of 0.6% per annum, the monthly repayment amount is HK$839, the total interest expense is HK$68, and the total repayment amount is HK$10,068 |
| CNCBI $mart Plus Personal Installment Loan - Debt Consolidation | 12 Months - 72 Months | 7.33% or above, the highest is 35.99% | Loan amount of HK$200,000, loan tenor of 12 months and monthly flat rate of 0.22%, including a Handling Fee of 1% per annum, at an APR of 6.93% |
| BOC Express Cash Instalment Loan Balance Transfer | 12 Months - 60 Months | 5.93% or above, the highest is 32.51%。 | Loan amount of HK$20,000 with a 24-month repayment period, at an APR of 10.01%, inclusive of 1% handling fee per annum, monthly repayment amount is HK$9,173 |
| CCB (Asia) Personal Instalment Loan | 6 Months - 60 Months | 1.56% or above, the highest is 13.00% | Loan amount of HK$400,000 with a repayment period of 60 months, with a monthly repayment amount of HK$7,747 |
| WeLend Card Debt Consolidation Loan | 3 Months - 84 Months | 1.88% or above, the highest is 48% | Loan amount of HK$360,000 with a repayment period of 60 months, at an APR of 8.05%, and the total repayment amount is HK$422,578 |
| PrimeCredit Balance Transfer Loan | 3 Months - 72 Months | 1.18% or above, the highest is 48% | Loan amount of HK$10,000 with a repayment period of 12 months, at an interest rate of 0.6% per annum, the monthly repayment amount is HK$839, the total interest expense is HK$68, and the total repayment amount is HK$10,068 |
| AEON Flexi Loan | 6 Months - 60 Months | 4.49% or above, the highest is 36% | Loan amount of HK$600,000 with a repayment period of 12 months, at an APR of 4.49%, total interest of HK$14,400 and total repayment of HK$614,400. |
| Hang Seng Debt Consolidation Instalment Loan | 6 Months - 72 Months | 6.68% or above, the highest is 36% | Loan amount of HK$150,000 with a repayment period of 72 months, at an APR of 4.63%, and a total loan repayment amount of HK$171,604.80. |
| UA i-Money Express Online Personal Loan | 3 Months - 60 Months | 1.68% or above, the highest is 36% | Loan amount of HK$10,000 with a repayment period of 6 months, at an APR of 30%, a monthly repayment amount of HK$1,815, and a total repayment amount of HK$10,890 |
| Promise Easy Loan | 3 Months - 84 Months | 1.12% or above, the highest is 48% | Loan amount of HK$200,000 with a repayment period of 36 months, at an APR of 4.49%, a monthly repayment amount is HK$5,940 and a total repayment amount of HK$213,840 |
| CreFIT ClearCard Debt | 3 Months - 24 Months | 1.98% or above, the highest is 36% | Loan amount of HK$200,000 with a repayment period of 24 months, at an APR of 8%, a monthly repayment amount is HK$9,019.33 and a total repayment amount of HK$16,464.00 |
| OCBC Bank Personal Loan | 6 Months - 60 Months | 2.16% or above, the highest is 36% | Loan amount of HK$1,500,000 with a repayment period of 12 months, at an APR of 2.16% (including HK$9,000 cash rebate) or 3.30% (excluding cash rebate), inclduing the annual 1% handing fee, total repayment amount is HK$16,464.00 |
Tax Loan Calculator
Having trouble calculating the repayment? Hoping to learn more about loan formula? We’ll handle the task of filtering precise loan offers tailored to your profile and needs. Simply use our free tax loan calculator. With a few clicks, we will present you with a comprehensive list of available loan options for you, enabling you to confidently choose the most suitable one.
Best Tax Loans Offers
When comparing tax loans, consider factors such as interest rates, fees, and repayment terms for your needs. MoneyHero has narrowed down the best tax loan offers of 2024 so you can secure the most favourable terms and maximise the benefits of borrowing against your expected tax refund.
Having questions when selecting Tax Loans?
When applying for a tax loan, consider the following factors to ensure that you are getting the best tax loan for your financial needs.
Loan Terms and Interest Rates: Understand the loan terms, including the repayment period, interest rates, and any additional fees or charges associated with the loan. Compare the terms offered by different lenders to ensure you are getting the best tax loan package for your needs.
Repayment Options: Consider the repayment options available for the tax loan. Assess your financial situation and choose an option that aligns with your ability to make timely payments. Keep in mind that late payments will incur penalties which can affect the future chances of getting tax loans with favourable offers/lower APR.
Terms and Conditions: Carefully read and understand all the terms and conditions associated with the tax loan. Pay attention to any clauses related to early repayment, late payment penalties, or loan refinancing.Tax loans may also be used for other purposes not related to taxes. You may choose to use tax loans for purposes like debt consolidation, where they can combine high-interest debts into a single and more manageable loan. Or may opt to fund home improvement projects or cover unexpected emergency expenses, such as medical bills or car repairs. Additionally, tax loans could also be used for education-related expenses, investment in small businesses, or even travel and vacation costs. However, you should still check with the specific lender for their policies and terms, as they may vary.
Typically, the lowest APR that a tax loan can offer is lower than that of a personal loan. However, it is not guaranteed that tax loans will always provide more favourable interest rates compared to personal loans. The interest rates for tax loans and personal loans can vary depending on various factors, including the lender, your creditworthiness, the loan amount, and the repayment term.
Applying for a tax loan online is far more convenient than traditional in-person and paper applications. Online applications can be made from anywhere with internet access, benefiting those in remote areas or with limited branch access.
Another advantage is saving significant time, allowing you to complete forms, upload required documents, and submit everything with just a few clicks, even outside of regular business hours. Furthermore, online tax loans are typically processed faster than paper applications, as digital submissions allow for instant review and more efficient processing. The use of digital documentation eliminates physical paperwork, reducing the risk of document loss, and streamlining the process for lenders who receive information in a digital format.MoneyHero lets you compare the best tax loan offers available on the market, ensuring that you get the best deals that cater to your financial needs. By applying through MoneyHero, you can research multiple lenders, and review their interest rates, terms, and fees. In addition, discover exclusive tax loan offers that you will not find on other online platforms.