Hyperlink Policy

Hyperlinks from this Site to websites outside China CITIC Bank International

These hyperlinks will bring to you to another website on the Internet, which is published and operated by a third party which is not owned, controlled or affiliated with or in any way related to China CITIC Bank International Limited (the "Bank"). The hyperlink is provided for your convenience and presented for information purposes only. The provision of the hyperlink does not constitute endorsement, recommendation, approval, warranty or representation, express or implied, by the Bank of any third party or the hypertext link, product, service or information contained or available therein. The Bank does not have any control (editorial or otherwise) over the linked third party website and is not in any way responsible for the contents available therein. You use or follow this link at your own risk. To the extent permissible by law, the Bank shall not be responsible for any damage or losses incurred or suffered by you arising out of or in connection with your use of the link. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the terms of use and privacy policies of the third party website that you are going to visit.

APR as low as 1.65% and enjoy up to HK$16,800 Cash Rebate

Apply Now
繁 | 简

 

 

Stress-Free with Amazing Offers
Enjoy a Worry-Free Life!


 

 

APR as low as 1.65%

APR as low as 1.65%1,2

Up to HK$16,800 Cash Rebate and Extra HK$500 Harbour City Gift Card

Up to HK$16,800 Cash Rebate and
Extra HK$500 Harbour City Gift Card3

 

 

Personal Installment Loan Features

Get a single loan to effectively resolve your financial needs and provide you a flexible cash flow

Flexible repayment period of 6 - 60 months

Flexible repayment period
of 6 - 60 months

Loan amount up to 18 times of your monthly salary or HK$2,000,000 (whichever is lower)

Loan amount up to
18 times
of your monthly salary
or HK$2,000,000
(whichever is lower)

1 minute preliminary approval Same-day fund disbursement

1 minute
preliminary approval4
Same-day fund
disbursement5

 

Debt Consolidation Features

Consolidate your Credit Cards and other loans to help you save on expenses

Monthly flat rate as low as 0.20%

Monthly flat rate as low as
0.20%7

Flexible repayment 12 - 72 months

Flexible repayment
12 - 72 months

Loan amount up to 21 times of your monthly salary or HK$2,000,000 (whichever is lower)

Loan amount up to
21 times
of your monthly salary
or HK$2,000,000
(whichever is lower)

Save up to 92% interest expenses with a personalised interest rate

Save up to 92% interest expenses
with a personalised interest rate

Credit Card Bill 6 Under our $mart Plus Personal Installment Loan - Debt Consolidation 7
Loan Amount HK$200,000 HK$200,000
Total Loan Expenses HK$500,499 HK$40,800
( 92%)
Repayment Tenor 385 Months 72 Months
( 313 Months)

 


1. Download and start using inMotion app
2. Click Loan > Personal Loan > Loan Application
3. Fill information and Obtain Preliminary Result (if applicable)
3. Fill information and Obtain Preliminary Result (if applicable)
3. Fill information and Obtain Preliminary Result (if applicable)
4. Upload documents
5. Complete Application
6. Click Loan > Personal Loan > Loan Status Enquiry to check approval result
6. Click Loan > Personal Loan > Loan Status Enquiry to check approval result
  • 1. Download and start using inMotion app
  • 2. Click" Loan" >"Personal Loan " > “Loan Application”
  • 3. Fill information and Obtain Preliminary Result (if applicable)
  • 4. Upload documents
  • 5. Complete Application
  • 6. Click “Loan" > "Personal Loan" > "Loan Status Enquiry" to check approval result

 

 

inMotion
App Store Google Play Huawei appgallery
QR code

Download via App Store
or Google Play

APK QR code

Download via
Baidu App Searcher or
click here to download
Android APK

Remarks: Some hyperlinks allow you to leave China CITIC Bank International Limited website. Please read our Hyperlink Policy.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Google Play and the Google Play logo are trademarks of Google LLC. Huawei Services (Hong Kong) Co., Limited. HUAWEI EXPLORE IT ON AppGallery and the HUAWEI EXPLORE IT ON AppGallery logo are the registered trademarks of Huawei Technologies Co., Limited. Baidu App Searcher is a registered trademark of Beijing Baidu Netcom Science Technology Co., Ltd.

 

 

Other Ways to Apply:

 

2287 6767

2280 1833
Monday to Friday 9:00a.m. to 7:00p.m.
(Not applicable on public holidays)

Any Branch of CNCBI

Any Branch of CNCBI

Above offer is subject to relevant terms and conditions.
To borrow or not to borrow? Borrow only if you can repay!

Remarks:

  1. The Annualized Percentage Rate ("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.
  2. The APR 1.65% is calculated based on loan amount HK$2,000,000, loan tenor of 12 months and monthly flat rate of 0.032%, 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.
  3. Customers who successfully apply for and draw down $mart Plus Personal Installment Loan including Personal Instalment Loan, Debt Consolidation and Top Up Loan (“Loans”) with loan amount of HK$100,000 or above and repayment period of 12 months or above during the period from 1 April 2025 to 30 June 2025 (both dates inclusive) ("Promotion Period") shall be entitled to the corresponding Cash Rebate. Customers enjoy Cash Rebate of up to HK$8,400 upon the successful drawdown of Personal Installment Loan. Customers enjoy a doubled Cash Rebate of up to HK$16,800 upon the successful drawdown of Debt Consolidation or Top-up Loan. Customers who successfully apply for and draw down Loans through inMotion Mobile App during the Promotion Period shall be entitled to extra HK$500 Harbour City Gift Card. For details, please refer to Promotional Terms and Conditions for up to HK$16,800 Cash Rebate Offer and HK$500 Gift Card.
  4. Preliminary approval service only applies to Monday to Friday from 9:00 am to 11:45 pm, Saturday from 9:00 am to 9:45 pm, Sunday and public holidays from 12:00 noon to 8:45 pm. For loan applications that meet relevant approval requirements, applicants will be informed on the preliminary approval result as soon as 1 minute. The processing of loan application starts when all the required information is successfully input into the Bank's system, while the actual processing time required may vary for each individual case. Please note that the preliminary approval result is for reference only, and the Bank reserves the right to decide (in its sole and absolute discretion) whether to decline or approve any application for a Loan.
  5. Same-day fund disbursement service 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. For fund disbursement for non-CNCBI bank account, settlement will depend on the handling of receiving financial institution.
  6. This example is calculated based on loan amount of HK$200,000, an annual interest rate of 30% ( APR 34.49%) charged by general credit card and a monthly repayment of all fees and charges billed to the credit card followed by 1% of the credit card outstanding balance or HK$250 (whichever is higher). The total repayment tenor is 385 months. The total loan expenses includes the full interest payments and is rounded to the nearest dollar.
  7. This example is calculated based on loan amount of HK$200,000, monthly flat rate 0.20% and loan tenor of 72 months, including a handling fee of 1% per annum (APR 6.90%). The total loan expenses includes the full interest payments and handling fee, and is rounded to the nearest dollar. 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.
  8. The APR of this promotion ranges from 1.65% to 35.99%.

Key Facts Statement for $mart Plus Personal Installment Loan

Terms and Conditions for $mart Plus Personal Installment Loan and General Terms and Conditions

$mart Plus Personal Installment Loan – Promotional Terms and Conditions for up to HK$16,800 Cash Rebate Offer and HK$500 Gift Card

FAQs for $mart Plus Personal Installment Loan

 

General Terms & Conditions | Personal Information Collection Statement | Privacy Policy Statement | Disclaimer | Online Security | Regulatory Disclosures | Code of Banking Practice
© 中信銀行（國際）有限公司版權所有。
© China CITIC Bank International Limited. All rights reserved.
Caring Company Logo by the Hong Kong Council of Social Service