Free for borrowers · 2-minute enquiry · Soft check only, won’t affect your credit score
Loans as low as 1.8% APR.
One application.
30+ lenders compared.
MoneyBuddy is a free loan matching platform in Hong Kong. Tell us what you need once. We shop 30+ banks and finance companies on your behalf and bring back the offer with the lowest APR you actually qualify for. We cover Personal, SME, mortgage, renovation, tax, and medical loans.
30+
Lenders compared
Banks and licensed finance companies in HK
2,500+
Borrowers matched
Personal, SME, mortgage, renovation, tax, and medical loans.
HK$0
Fees for borrowers
Free service.
0 impact
On your credit score
Soft check enquiry. Hard check only with consent.
Lender network
One application.
30+ lenders shopping for you.
MoneyBuddy partners with licensed banks, virtual banks, and money lenders licensed under the Money Lenders Ordinance. And we never inflate the rates they quote.
15+
Tier-1 banks
Licensed retail and corporate banks
6+
Virtual banks
Fully digital, fastest approval times
10+
Licensed money lenders
Ideal for urgent short-term cash flow. Offers flexible approvals and fast processing to provide immediate financial relief when you need it most.
8+
Specialty SME lenders
Tailored for businesses with 1+ years of operation.
As featured in
How it works
The MoneyBuddy process,
in three steps.
01
Tell us what you need
Two minutes via WhatsApp or our form. Just tell us your loan amount, purpose, and basic info. No documents needed yet. Soft credit check only, your score remains unaffected.
02
We shop the market for you
We compare offers from 30+ banks and finance companies and bring back the option with the best rate and terms for your profile. One application instead of many.
03
Get funded, often same day
Get a detailed walkthrough of your loan options from our specialists on WhatsApp. Upon approval, receive your funds in your chosen bank account as quickly as the same day.
Why use a matching platform
MoneyBuddy vs
Applying alone
Applying directly to a single bank is fine if you’re certain they offer the best deal. For everyone else, we provide the honest, side-by-side comparison you need to make the right choice.
Loan products
Six core products,
and more available on request.
Personal Loan
Including debt consolidation
Consolidate your card debt into a single loan, cover family expenses, or fund a personal goal. Enjoy transparent flat-rate pricing and the certainty of fixed monthly repayments.
SME Loan
Business financing
Whether it’s working capital, equipment, or expansion, we support businesses with 1+ years of operation and applicants who may have been previously declined by banks.
Mortgage / 2nd Mortgage
Property financing
Cash out home equity in days, not weeks. Initial approval in 3 business days. Funds typically released within 1 week.
Renovation Loan
Home upgrades
For Hong Kong home renovations. Applications accepted without a quotation or invoice from renovation company. Priced on the same flat-rate model as our personal loan.
Tax Loan
Salaries tax / provisional
Seasonal low-APR loans for HK Salaries Tax. We compare bank promotions side-by-side to find you the lowest rate.
Medical / Emergency
Urgent personal use
Fast-track approval for medical bills, family emergencies, and urgent travel. Approval is possible within 4 hours.
Repayment calculator
Estimate your repayment.
No sign-up required.
Adjust your loan parameters and repayment periods to view our most competitive rates. Connect with us on WhatsApp to discover which lenders can meet these rates or provide even more advantageous solutions for your needs.
DISCLAIMER. The figures provided above are for illustrative purposes only and do not constitute an offer of credit. The final Annual Percentage Rate (APR), monthly repayment amounts, and total interest charges are subject to the specific lending institution, the selected loan product, your individual credit profile, and the documentation provided.
Reminder : To borrow or not to borrow? Borrow only if you can repay !
Warning: You have to repay your loans. Don’t pay any intermediaries.
Customer case studies
Real applications,
real numbers.
Below are three recent case studies from MoneyBuddy. While client names have been anonymized to protect their privacy, the loan amounts, repayment terms, and APRs are based on actual, verified data
Free quote
Get a quote in 2 minutes.
No obligation, no fees.
Tell us your loan requirements and purpose, MoneyBuddy will analyze and compare quotes from over 30 financial institutions to ensure you get the best deal.
Customer reviews
Trusted by Hong Kongers who
were tired of being shopped around.
“I had four credit cards with high balances. MoneyBuddy got me one consolidation loan at half the interest. My adviser May replied to me on WhatsApp at 11pm. A real human, not a bot.”
“Three banks rejected me. MoneyBuddy negotiated with two more on my behalf and got HK$1.5M approved in 4 weeks. I would have given up without them.”
“I needed HK$200,000 for my mother’s surgery, fast. Approved in 6 hours, money same day. Zero pressure to upsell. They were transparent about every fee.”
“My bank quoted me 4 weeks for a 2nd mortgage. MoneyBuddy returned approval in 3 days at a competitive rate. I will use them again.”
About MoneyBuddy
Always free for you.
Always working for you.
MoneyBuddy is a premier, independent loan matching platform based in Hong Kong. We are not a bank or a financial institution; rather, we empower borrowers by comparing quotes from over 30 leading banks and financial providers to help you identify the most suitable loan solution.
Our services are entirely free for our clients — there are no processing fees, application charges, or hidden costs. Our dedicated consultants operate on a fixed-salary basis without commission incentives, ensuring you receive unbiased advice without aggressive sales tactics or pressure to over-borrow. The quotes we provide are direct from the lenders, with absolutely no markups or hidden margins.
Independent
A free matching platform, not a lender. We work for you, not the banks.
Secure
256-bit SSL encryption. PDPO compliant. Customer data is never sold.
No fees
Free for borrowers, always. Free gift on every application with loan disbursement.
Transparent
Plain-language quotes. APR, total cost, and all fees disclosed up front.
Get a free quote
Submit your details.
We do the rest.
One message, no commitment. Our advisor will reply on WhatsApp within 15 minutes during business hours, usually faster.
Frequently asked questions
Common questions,
plain answers.
Below are direct answers to the questions MoneyBuddy receives most often. If yours is not listed, message us on WhatsApp.
Is MoneyBuddy free for borrowers?
Yes. MoneyBuddy never charges borrowers a service fee, application fee, or any other fee.
Is MoneyBuddy a bank or a lender?
MoneyBuddy is an independent, complimentary loan comparison platform rather than a lender. All loans are issued directly by our partner financial institutions, not by MoneyBuddy. Every bank and finance company we work with is independently licensed.
What if I am self-employed or have no income proof?
Although many banks mandate traditional proof like tax demand notes or MPF records, MoneyBuddy collaborates with flexible finance partners that welcome entrepreneurs and freelancers. We also support applicants who may not have a formal credit history (TU). Reach out to us on WhatsApp today; our specialists will instantly match you with the specific lending partners that align with your unique circumstances.
How fast can a loan be approved?
We prioritize speed and efficiency across all our loan categories. Personal Loans can be approved within a rapid 1-4 hour window. For SME Loans, the process generally takes 1-3 weeks based on the specific requirements. Property and Second Mortgages receive preliminary approval in just 1-3 working days, with full fund disbursement typically completed within a week.
Will applying affect my credit score?
A pre-qualification through MoneyBuddy is a soft credit check and does not affect your credit score. A formal application with a chosen lender will pull a hard credit check, but only after you give explicit consent.
Can I apply if I was rejected by a bank?
Yes. Many of our customers come to us after one or more rejections. MoneyBuddy works with several lenders that accept non-prime applicants, including credit score Grade D to F credit profiles. The featured SME case study involves a Grade-F applicant who was approved for HK$2,000,000.
What is the maximum APR?
Final APR depends on the lender, product, your credit profile, and supporting documents. The Hong Kong Money Lenders Ordinance caps interest at 48% APR. MoneyBuddy works only with partners offering rates well below this cap.
Can I repay early?
Most partner products allow early repayment. Some apply a small early-repayment handling fee, which MoneyBuddy will quote in writing before you sign.
How do I contact MoneyBuddy?
WhatsApp: +852 9822 1386
Office Address: Unit 904, 9/F, Supreme House, 2A Hart Avenue, Tsim Sha Tsui, Kowloon, Hong Kong
Office Hours: Monday – Friday: 9:00 AM – 6:00 PM