With so many bank loans available in Hong Kong, it’s easy to become dazzled and miss the really important information. To help you narrow down the best bank loans with the lowest interest rates, Lendela has curated some of the best loan options you can find in the city, and compiled them into a condensed list complete with their annual percentage rate, monthly costs, and all the details you need.

Find the best bank and lenders to get your personal loan with the information below. The below list provides interest rates and monthly costs for a personal bank loan of HK$300,000 with a tenure of 3 years. You can also use our comparison tool to find the interest rate for the loan amount you need.

  • WeLend Personal Loan

    Founded in 2013 by a team of financial and technology experts, WeLend has quickly become Hong Kong’s largest online lender by offering some of the lowest interest rates for personal loans.

    Annual Percentage Rate: from 1.88%
    Monthly Cost: $8,576 for 3 Years
    Tenure: From 3 to 84 months
    Processing Fee: $0

    Key Features:
    - WeLend offers attractive loan promotions periodically, including cash rebates. Visit their website to learn more.

    MORE INFO

  • PrimeCredit Fixed Loan

    Known for their prompt application processes, PrimeCredit is a reputable lender in Hong Kong that offers lower interest rates for personal loans than most banks.

    Annual Percentage Rate: from 2.38%
    Monthly Cost: $8,633 for 3 Years
    Tenure: Up to 60 months
    Processing Fee: $0

    Key Features:
    - No income proof is required for loan amount of HK$50,000 or less

    MORE INFO

  • UA FINANCE - i-Money Internet Personal Loan

    UA FINANCE is the first lender in Hong Kong to provide a full online personal loan service, and to offer 24/7 service for online applications and disbursements for your urgent loans.

    Annual Percentage Rate: from 2.98%
    Monthly Cost: $9,113 for 3 Years
    Tenure: Up to 60 months
    Processing Fee: $0

    Key Features:
    - Up to $18,000 cash reward for new and existing UA Finance customers
    - 24/7 Online loan processing with instant approval

    MORE INFO

  • DBS Personal Instalment Loan

    DBS Bank Hong Kong is a reliable option for those looking for bank loans with larger amounts. You can also apply for this loan while you are outside of Hong Kong.

    Annual Percentage Rate: from 3.70%
    Monthly Cost: $8,633 for 3 Years
    Tenure: Up to 36 months
    Processing Fee: $0

    Key Features:
    - Apply anywhere – instant disbursement
    - Loan amount up to $2,000,000 or 20 times your monthly salary (which ever is lower)
    - Enjoy up to $3200 “InstaRedeem” benefit upon successful application

    MORE INFO

  • PROMISE Easy Loan

    As one of the longest-serving lenders in the city, PROMISE is known for their reliable service and wide range of personal loan options. 

    Annual Percentage Rate: from 4.49%
    Monthly Cost: $8,933 for 3 Years
    Tenure: From 3 to 84 months
    Processing Fee: $0

    Key Features:
    - Offers longer tenure of up to 84 months
    - PROMISE offers attractive loan promotions periodically, including shopping vouchers and cash rebates. Visit their website to learn more.

    MORE INFO

  • HSBC Personal Instalment Loan

    As one of the most renowned banks in the world, HSBC’s Personal Instalment Loan is a safe and reliable bank loan option for those who want to borrow from traditional institutions.

    Annual Percentage Rate: from 7.47%
    Monthly Cost: $9,293 for 3 Years
    Tenure: Up to 60 months
    Processing Fee: $0

    Key Features:
    - APR is as low as 1.80% for larger loan amounts
    - Loan amount of up to $3,000,000 or 23 times your monthly salary (whichever is lower)
    - One minute approval and no income proof required if you have maintained an auto payroll account with HSBC

    MORE INFO

Use Lendela to Find The Best Bank to Get Your Personal Loan

Are you still searching around the web hunting for the best bank to get a personal loan with the lowest interest rates? Lendela is a free of charge online platform dedicated to making your bank loan application process quicker, simpler, and more transparent. With Lendela, you can save all that time and hassle with just a few clicks. Find, compare, apply for, and get bank loan offers from multiple lenders with just one application and four simple steps.

Using Lendela is very simple. Start your journey by filling a brief online application form, and you will get personalised bank loan offers from our partnering banks and licensed lenders, often within minutes! You can then log in to your Lendela account to compare all your offers and choose the best bank loan for your specific needs. Once you have accepted an offer, Lendela will help you book an appointment at the branch for you to sign the agreement and receive the money.

You don’t have to spend endless hours on searches and comparisons. Apply with Lendela and get the best bank loan with low interest rates today! Warning: You have to repay your loans. Don’t pay any intermediaries.

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