【私人貸款獨家優惠】私人貸款邊間好？低息貸款優惠比較高達$4萬奬賞

每月還款額

^HK$8,613

MoneySmart 獨家尊享

獎賞高達 43,000 SmartPoints！

DBS 定額私人貸款

實際年利率低至*: 4.03%
應付總額: ^HK$206,720
應付利息總額: ^HK$6,720
每月還款額: ^HK$8,613

MoneySmart 獨家尊享:

🎁【6月限時總獎賞高達HK$20,600】
新客戶經MoneySmart成功申請及提取DBS 定額私人貸款可獲高達HK$16,300獎賞 + 額外MoneySmart獨家獎賞高達 43,000 SmartPoints！
⠀⠀
MoneySmart獨家獎賞高達 43,000 SmartPoints！
43,000 SmartPoints 可免費兌換HK$4,300禮券或 GoPro Hero 13 黑色運動攝錄機 (價值 : HK$3,200) 或 Apple Watch Series 11 (GPS) - 46 毫米 (價值 : HK$3,399) 。Rewards Store仲有更多選擇任你揀！

優惠期至 2026年6月30日

每月還款額

^HK$8,793

DBS 稅季貸款

實際年利率低至*: 1.88%
應付總額: ^HK$211,040
應付利息總額: ^HK$11,040
每月還款額: ^HK$8,793

Citi私人貸款：總奬賞高達$18,848

由即日起至 2026年5月13日，申請 Citi 稅季貸款或特快現金，可享低至 1.4% 實際年利率。MoneySmart 獨家送出 Samsung S26+ 512GB (價值 HK$10,198) 或 HK$10,000 禮券，總獎賞價值達 HK$18,848。

MoneySmart 獨家貸款優惠
貸款方案	Citi 特快現金私人貸款
實際年利率	低至1.4％
成功申請可獲	Samsung S26 + 512GB (價值：HK$10,198)/ Dyson V16 Piston Animal 無線吸塵機 (SV53-A) (價值：HK$7,490)/ Philips Baristina 特濃咖啡機 BAR300/00 (價值：HK$5,698)/ Apple Store / 百佳禮品卡 (最高 HK$10,000)/ 現金回贈 (最高 HK$8,000) *(5月限定) — HK$650 亞太地區環亞貴賓室3小時通行證
優惠限期	至2026年5月13日

每月還款額

^HK$8,473

MoneySmart 獨家尊享

享1.78%低息!

Citi 特快現金私人貸款

實際年利率*: 1.78%
應付總額: ^HK$203,360
應付利息總額: ^HK$3,360
每月還款額: ^HK$8,473

MoneySmart 獨家尊享:

🤑 【夏日限時優惠 — 申請即享HK$400現金！現金獎賞高達HK$21,100！】
由 2026年6月1日至6月30日期間，經MoneySmart成功申請Citi 特快現金 / Citi 卡數結餘轉戶並交齊貸款文件，申請貸款額 HK$200,000或以上及還款期 12個月或以上，即可獲 HK$400現金獎賞（由 4,000 SmartPoints 自動兌換）。連同提取貸款獎賞，獎賞總值高達HK$22,600！

【✨提取獎賞銀碼限時大升級 - 送高達HK$14,200 禮券 / 高達HK$12,700現金 ✨】
新客戶於2026年6月1日至6月30日期間成功申請 Citi 特快現金 / Citi 卡數結餘轉戶，並於2026年7月14日或之前成功提取貸款，即可揀心儀MoneySmart獨家大禮🎁：HK$14,200 Apple Store 禮品卡 / 百佳電子禮券 / Trip.com 電子禮券 / 🤑 HK$12,700 現金！

優惠期至 2026年6月30日

Monthly Payment

^HK$8,459

【Final Chance】1.4% Low Interest!

Citi Tax Season Loan

APR*: 1.4%
Total Amount Payable: ^HK$203,024
Total Interest Payable: ^HK$3,024
Monthly Payment: ^HK$8,459

每月還款額

^HK$8,813

MoneySmart 獨家尊享

Citi 卡數結餘轉戶

實際年利率*: 5.4%
應付總額: ^HK$211,520
應付利息總額: ^HK$11,520
每月還款額: ^HK$8,813

MoneySmart 獨家尊享:

優惠期至 2026年6月30日

WeLend私人貸款可獲高達HK$36,600奬賞

由 2026年5月1日至5月7日，經 MoneySmart 申請指定 WeLend 貸款，交齊文件批唔批都送高達 HK$1,600 現金獎賞。若成功提取貸款，連同銀行現金獎回贈，總獎賞高達 HK$36,600。其實際年利率低至 1%，適合追求極速與低息的朋友。

MoneySmart 獨家貸款優惠
貸款方案	WeLend 稅季私人貸款 / WeLend 公務員及專業人士貸款
實際年利率	低至1%
成功申清可獲	– 高達 HK$1,600 現金獎賞(批唔批都送) -HK$5,000 Apple Store 禮品卡 / HK$4,000現金 / GoPro Hero13 黑色創作者套裝 (價值: HK$4,800) / Nautica Classic Voyage 28吋硬殼行李箱 (價值: HK$1,999) ；連同WeLend送出高達HK$30,000現金獎
優惠限期	至2026年5月14日

Monthly Payment

^HK$14,484

MoneySmart Exclusive

💰 HK$1,600 Cash reward regardless of approval

WeLend Personal Loan

The lowest APR*: 1%
Total Amount Payable: ^HK$521,420
Total Interest Payable: ^HK$21,420
Monthly Payment: ^HK$14,484

MoneySmart Exclusive:

【June Flash Promo🚨 】Submit all documents & get HK$1,600 Cash Reward 💰
From 1 June to 11 June 2026, apply for WeLend Personal Loan or WeLend Civil Servants & Professionals Loan via MoneySmart, submit all required documents and get up to HK$1,600 cash reward from MoneySmart regardless of approval!
⠀⠀
[MoneySmart Exclusive－Earn up to HK$36,600 Rewards ✅]
From 1 June to 11 June 2026, apply and drawdown a designated amount, can get MoneySmart Exclusive rewards: up to HK$4,000 Cash / 📸 GoPro / 🧳 Voyage Luggage; as well as WeLend cash rebate up to HK$30,000! Total rewards up to HK$36,600!

Valid until 11 Jun 2026

Monthly Payment

^HK$14,294

MoneySmart Exclusive

24/7 Approval and Drawdown

【MoneySmart Exclusive Product】WeLend Civil Servant & Professional Loan

The lowest APR: 1%
Total Amount Payable: ^HK$514,580
Total Interest Payable: ^HK$14,580
Monthly Payment: ^HK$14,294

MoneySmart Exclusive:

Valid until 11 Jun 2026

X Wallet X現金A.I.貸款：高達HK$10,490獎賞

使用獨家優惠碼「MS8000」申請，批唔批都送 SONY WF-1000XM5 耳機 (價值 HK$2,490) 或 HK$1,700 禮券。實際年利率低至 1.15%，且全程 A.I. 審批，無需提交入息證明，適合急需現金周轉的人士。

MoneySmart 獨家貸款優惠
貸款方案	X現金A.I.貸款 by X Wallet
實際年利率	低至1.15%
成功申清可獲	🎧 不論批核與否，MoneySmart獨家送: ・SONY WF-1000XM5 無線降噪入耳式耳機 (價值 HK$2,490，顏色隨機發送) 或・飛利浦 RO 純淨飲水機 ADD6901/90 (價值 HK$1,998，顏色隨機發送) 或・HK$1,700 百佳電子禮券 / Trip.com 電子禮券 / HKTVmall 電子禮券或・HK$1,600 Apple Store 禮品卡 ⠀⠀ 💰 成功提取指定貸款額，並符合指定條件，可享: ・HK$20,000 – HK$168,000，可享HK$2,700 現金回贈* ・HK$168,001或以上，可享HK$8,000 現金回贈*
優惠限期	至2026年5月31日

每月還款額

^HK$8,437

MoneySmart 獨家尊享

無需交入息文件、批唔批都送HK$1,700

X現金A.I.貸款 by X Wallet (優惠碼「MS8000」)

實際年利率低至*: 1.15%
應付總額: ^HK$202,496
應付利息總額: ^HK$2,496
每月還款額: ^HK$8,437

MoneySmart 獨家尊享:

MoneySmart獨家優惠碼「MS8000」🎟️ 批唔批都送HK$1,500 現金券 / HK$3,450 禮品
由 2026年6月1日至6月15日期間，全新客戶用MoneySmart獨家優惠碼「MS8000」申請X現金A.I.貸款可獲總共高達 HK$11,450 獎賞🎁
⠀⠀
1️⃣ 不論批核與否，MoneySmart獨家送: HK$1,500 現金券 / HK$3,450 禮品
2️⃣ 成功提取指定貸款額，並符合指定條件，可享高達HK$8,000 現金回贈*

優惠期至 2026年6月15日

渣打結餘轉戶計劃獎賞高達$27,898

經 MoneySmart 成功申請渣打「分期貸款」 / 渣打結餘轉戶計劃，並成功提取指定貸款額，總獎賞高達HK$27,898！

MoneySmart 獨家貸款優惠
貸款方案	渣打結餘轉戶計劃
實際年利率	低至4.67%
成功申清可獲	即日起至2026年5月31日期間，經MoneySmart成功申請渣打私人貸款，並成功提取指定貸款額，可享MoneySmart 送出獨家禮品: 🌟 SAMSUNG Galaxy S26 (12GB RAM + 256GB) (價值: HK$6,898); 或 🌟 Carrier 22公升空氣淨化變頻抽濕機 (DC-22VS) (價值:HK$4,880); 或 🌟 Apple Watch SE 3 GPS + Cellular (44毫米) (價值:HK$2,599); 或 🌟 高達 HK$6,000 Apple Store 禮品卡/百佳電子禮券/ HKTVmall 電子購物禮券！
優惠限期	至2026年5月31日

Monthly Payment

^HK$8,736

MoneySmart Exclusive

Standard Chartered Debt Consolidation Program

APR*: 4.67%
Total Amount Payable: ^HK$209,672
Total Interest Payable: ^HK$9,672
Monthly Payment: ^HK$8,736

MoneySmart Exclusive:

【MoneySmart Exclusive Offer】🕊️ Enjoy brand new SAMSUNG Galaxy S26 !📱
From today until 30 June 2026, customers successfully apply for Standard Chartered Personal Loan via MoneySmart and draw down the designated loan amount, enjoy exclusive gift from MoneySmart:
🌟 SAMSUNG Galaxy S26 (12GB RAM + 256GB) (Value: HK$6,898); or
🌟 Carrier 22L Air Purification & inverter Dehumidifier (DC-22VS) (Value: $4,880); or
🌟 Apple Watch SE 3 GPS + Cellular (44mm) (Value: $2,599)
🌟 Up to HK$6,000 Apple Store Gift Card/Parknshop e-Voucher/ HKTVmall e-Gift Voucher!
⠀⠀
APR as low as 4.67%^ 💵 Get total rewards up to HK$27,898, including Cash Rebate from the bank!

Valid until 30 Jun 2026

Monthly Payment

^HK$8,873

MoneySmart Exclusive

Loan amount up to HK$4,000,000

Standard Chartered Personal Instalment Loan

APR*: 6.28%
Total Amount Payable: ^HK$212,960
Total Interest Payable: ^HK$12,960
Monthly Payment: ^HK$8,873

MoneySmart Exclusive:

【MoneySmart Exclusive Offer】🕊️ Enjoy brand new SAMSUNG Galaxy S26 !📱
From today until 30 June 2026, customers successfully apply for Standard Chartered Personal Loan via MoneySmart and draw down the designated loan amount, enjoy exclusive gift from MoneySmart:
🌟 SAMSUNG Galaxy S26 (12GB RAM + 256GB) (Value: HK$6,898); or
🌟 Carrier 22L Air Purification & inverter Dehumidifier (DC-22VS) (Value: $4,880); or
🌟 Apple Watch SE 3 GPS + Cellular (44mm) (Value: $2,599)
🌟 Up to HK$6,000 Apple Store Gift Card/Parknshop e-Voucher/ HKTVmall e-Gift Voucher!
⠀⠀
APR as low as 1.85%^ 💵 Get total rewards up to HK$14,898, including Cash Rebate from the bank!

Valid until 30 Jun 2026

WeLab Bank私人貸款高達HK$30,848獎賞

經MoneySmart優惠碼「NLSMRT」申請WeLab Bank私人分期貸款，批唔批都送HK$1,300，總值高達HK$30,848！

MoneySmart 獨家貸款優惠
貸款方案	WeLab Bank 私人分期貸款
實際年利率	低至0.65%
成功申清可獲	【極低息 ⚠️ 優惠碼「NLSMRT」批唔批都送HK$1,300 📈】即日起至2026年5月31日，使用MoneySmart優惠碼「NLSMRT」成功申請WeLab bank私人分期貸款可享獨家禮遇: 1️⃣ 實際年利率低至 0.65% 2️⃣ 交齊文件批，批唔批都送HK$1,300現金券 3️⃣ 總獎賞高達 HK$30,848
優惠限期	至2026年5月31日

Monthly Payment

^HK$8,493

MoneySmart Exclusive

Upgraded Offers！Need to use promo code 「NLSMRT」

WeLab Bank Personal Instalment Loan

APR as low as*: 0.65%
Total Amount Payable: ^HK$203,840
Total Interest Payable: ^HK$3,840
Monthly Payment: ^HK$8,493

MoneySmart Exclusive:

【Low-Interest ⚠️ Use Promo Code「NLSMRT」and Get HK$1,300 Regardless of Approval 📈】
From now until 30 June 2026, successfully apply for a WeLab Bank Personal Instalment Loan via MoneySmart with promo code 「NLSMRT」to enjoy exclusive perks:
1️⃣ APR as low as 0.65%
2️⃣ Submit all required documents and receive HK$1,300 cash voucher regardless of approval
3️⃣ Total rewards of up to HK$30,848
⠀⠀
No need to borrow up to HK$500,000, loans of HK$283,000 or more can enjoy as low as 0.65% APR!

Valid until 30 Jun 2026

Monthly Payment

^HK$8,693

MoneySmart Exclusive

Need to use promo code 「NLSMRT」

WeLab Bank Card Debt Consolidation Loan

APR as low as*: 4.11%
Total Amount Payable: ^HK$208,640
Total Interest Payable: ^HK$8,640
Monthly Payment: ^HK$8,693

MoneySmart Exclusive:

【🎁 June Special Offer－ up to $32,687 rewards with New Macbook Air 🥳 】
From 1 June until 30 June 2026, apply for WeLab Bank Personal Instalment Loan via MoneySmart using promo code 「NLSMRT」to earn up to HK$32,687 Rewards!
⠀⠀
Apply and submit all the required documents to get up to 8,000 SmartPoints and fully redeem HK$800 vouchers (over 20+ brand vouchers including Apple / HKTVmall / Klook etc) from our Rewards Store. But thats not all! Successfully apply and drawdown a loan to earn cash rebate up to HK$23,888 offered by WeLab Bank and MoneySmart exclusive reward -Apple 13-inch Macbook Air M4 Chip (8-core GPU, 16GB, 256SSD) (value: HK$7,999)!
⠀⠀
Save up to 97% on interest and clear all your credit card debt with a new perspective!

Valid until 30 Jun 2026

Monthly Payment

^HK$8,493

MoneySmart Exclusive

No Document Required, Fast Approval,

WeLab Bank No Document Personal Instalment Loan

APR as low as*: 0.65
Total Amount Payable: ^HK$203,840
Total Interest Payable: ^HK$3,840
Monthly Payment: ^HK$8,493

MoneySmart Exclusive:

Valid until 30 Jun 2026

Key Features

Skip the complicated paperwork. Complete the loan process in as few as 3 steps with fast approval
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. (Users must use WeLab Bank App and hold a valid WeLab Bank core account, and agree to the relevant terms and conditions each time.)
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 providing loan plan, 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 to assessment against normal lending criteria. The maximum loan amount for WeLab Bank No Document Personal Instalment Loan is HK$300,000. If the customer provides additional supporting documents, it may help secure a more favorable loan amount.
*The TransUnion credit rating and related content are for reference only. WeLab Bank shall have no liability or responsibility relating to any aspect of or disputes arising from the use the Intelligent Financial Health Analysis.
^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!

See all loan details

CreFIT私人貸款高達HK$22,799獎賞

合資格新客戶經MoneySmart申請成功申請及提取達指定金額的CreFIT現金貸，並選擇12個月或以上還款期數，可獲贈MoneySmart獨家送出Insta 360 X4 Air (Standard Bundle) (價值: HK$2,799)，連同CreFIT現金回贈，獎賞總值高達HK$22,799。

另外，CreFIT在收到貸款完整的申請資料及開始同意授權查閱信貸報告起後60秒內獲得審批結果，如果未能在保證時間內反饋審批結果，申請者則可獲得高達HK$1,000免息券。

MoneySmart 獨家貸款優惠
貸款方案	CreFIT現金貸
實際年利率	低至1.38%
成功申請可獲	合資格之新客戶經MoneySmart成功申請及提取指定貸款額，可獲贈MoneySmart獨家送出Insta 360 X4 Air (Standard Bundle) (價值: HK$2,799)，連同CreFIT現金回贈，獎賞總值高達HK$22,799🎁
優惠限期	至2026年5月31日

每月還款額

^HK$8,453

MoneySmart 獨家尊享

毋需入息證明，報價不影響信貸評級，貸款審批保證^60秒自動審批

CreFIT 現金貸

實際年利率低至: 1.38%
應付總額: ^HK$202,880
應付利息總額: ^HK$2,880
每月還款額: ^HK$8,453

MoneySmart 獨家尊享:

【MoneySmart 獨家－即賺高達 HK$22,799 獎賞！】
2026年6月1日至6月30日，合資格之新客戶經MoneySmart成功申請及提取指定貸款額，可獲贈MoneySmart獨家送出:
・Insta 360 X4 Air (Standard Bundle);
・HK$1,800現金
・連同CreFIT現金回贈，獎賞總值高達HK$22,799🎁
⠀⠀
無痕式報價#，毋需入息證明，報價不影響信貸評級，貸款審批保證^60秒自動審批，一批轉數快，超時即獲高達HK$1,000免息券*！
⠀⠀
全新功能推出 - 免費下載個人信貸報告！📋

優惠期至 2026年6月30日

Monthly Payment

^HK$8,453

MoneySmart Exclusive

No income proof required

CreFIT Cash Loan (For Civil Servants and Professionals)

APR as low as*: 1.38%
Total Amount Payable: ^HK$202,880
Total Interest Payable: ^HK$2,880
Monthly Payment: ^HK$8,453

MoneySmart Exclusive:

【MoneySmart Exclusive － Get up to HK$22,799 Rewards now!】
From 1 June until 30 June 2026, eligible new customers apply via MoneySmart and drawdown designated loan amount, receive MoneySmart exclusive gift Insta 360 X4 Air (Standard Bundle) (value: $2,799). Total rewards up to HK$22,799, including CreFIT cash back🎁
⠀⠀
Incognito mode quotation with no impact on credit rating#, No income proof required, Cash Loan Approval Pledge^ Approval result in 60s. Get a HK$1,000 Interest Waiver Coupon if approval time overruns.
⠀⠀
Introducing the brand new feature - free personal credit report download! 📋

Valid until 30 Jun 2026

安信定額私人貸款奬賞高達$18,000

透過安信定額私人貸款借錢，免入息證明，全程網上辦妥， 24×7即批即過數，而且任何貸款額一律免手續費。現時經 MoneySmart 成功申請及提取指定貸款，可獲高達HK$18,000現金獎 (由安信提供) 。

MoneySmart 獨家貸款優惠
貸款方案	安信定額私人貸款 / 安信結餘轉戶計劃 / 安信公務員及專業人士貸款 / 安信業主私人貸款
實際年利率	低至1.18厘
成功申請可獲	– 高達HK$18,000現金獎 (由安信提供)
優惠限期	至2026年6月30日

Monthly Payment

^HK$8,433

MoneySmart Exclusive

No income proof required for HK$100,000 or below

PrimeCredit Fixed Loan

The Lowest APR: 1.18%
Total Amount Payable: ^HK$202,400
Total Interest Payable: ^HK$2,400
Monthly Payment: ^HK$8,433

Monthly Payment

^HK$8,433

MoneySmart Exclusive

No income proof required for HK$100,000 or below

PrimeCredit Balance Transfer Loan

The Lowest APR: 1.18%
Total Amount Payable: ^HK$202,400
Total Interest Payable: ^HK$2,400
Monthly Payment: ^HK$8,433