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Personal Installment Loan

Enjoy financial flexibility with up to 60 months repayment period

APR as low as 1.65%

Successful drawdown for $mart Plus Personal Installment Loan, you can enjoy our fabulous Tax Season offers:

Annualized Percentage Rate¹ as low as 1.65%²
Up to HK$16,800 Cash Rebate³
Extra HK$500 Harbour City Gift Card³

Product Features:

Loan amount as high as HK$2,000,000 or 18 times of your monthly salary (whichever is lower)
Flexible repayment tenor of 6 to 60 months
1 minute preliminary approval⁴
Same-day fund disbursement to your CNCBI account⁵
Option to apply for Top-up loan to redraw your repaid principal⁶

Remarks:

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.
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.
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.
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.
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.
Top-up loan only applies to existing loan customers, please provide a copy of recent month income proof upon the application. The approval of the Loan is subject to the information provided by the Credit Reference Agencies. The Bank reserves the right of the final decision in respect of all applications and approvals of the Loan and is under no obligation to provide any reason.