Mox Flex Loan

Mox Bank, backed by Standard Chartered and HKT, offers its Flex Loan at an APR of approximately 5.5-10% depending on credit profile, with a fully digital application taking under 3 minutes. Loan amounts go up to HK$500,000 and repayment can be stretched to 60 months. What sets Mox apart is its transparent pricing — no processing fees, no early settlement penalties, and real-time interest calculation shown in-app daily. Ideal for virtual bank adopters who want full digital transparency with a licensed bank backing.