Mox Instant Clear: 0% Interest for Loans Under HKD75,000 Over 3–6 Months, One-Off Fee Applies
Mox Instant Clear can be used to repay credit-card balances at other banks or finance companies. Loans below HKD75,000 with a 3–6 month term can carry 0% interest, but a one-off fee still applies. The minimum eligible loan is HKD5,000, and actual approval and APR depend on the individual customer.
OfferSee offer detailsSee terms and conditionsLast checked：30/09/2026, 11:54
Offer validityCurrently shown on Mox's official website. No fixed promotion end date is stated; current eligibility is subject to the Mox app and latest official terms.
Eligible products / bundles
- Loan of HKD20,000 or less: one-off fee HKD200 for 3 months or HKD300 for 4–6 months
- Loan of HKD20,001–74,999: one-off fee HKD800 for 3 months or HKD1,200 for 4–6 months
How to redeem
- In the Mox app, start an Instant Clear application and enter the credit-card balance you want to repay at another bank or finance company.
- Review your approved loan amount, repayment term, one-off fee and APR before deciding whether to submit the application.
Eligibility and conditions
- Membership requirement
- Subject to eligibility and credit approval for Mox Credit and Instant Clear.
- Card requirement
- Mox Bank
- Payment methods
- Not specified
Locations and channels
Mox app
Offer validity
Currently shown on Mox's official website. No fixed promotion end date is stated; current eligibility is subject to the Mox app and latest official terms.
Hong Kong time · booking / redemption periodTerms and conditions
- The 0% interest offer applies only to Instant Clear loans below HKD75,000 with a repayment term of 3–6 months. It is not cost-free because a one-off fee still applies.
- The minimum eligible loan amount is HKD5,000. For loans of HKD20,000 or less, the one-off fee is HKD200 for 3 months or HKD300 for 4–6 months.
- For loans of HKD20,001–74,999, the one-off fee is HKD800 for 3 months or HKD1,200 for 4–6 months.
- Mox's example for a HKD20,000 loan shows APR as low as 6.24% for 3 months or 5.34% for 4–6 months. Actual APR, approval, loan amount and terms depend on the customer and the Mox app.