Updated September 28, 2026 · BorrowCue Editorial Team
Cathay United Bank vs MoneyHero
What sets them apart
| Compare |  Cathay United Bank |  MoneyHero |
|---|---|---|
| APR | 1.88% | 1% to 17.81%Lower |
| Loan amount | NT$5,000,000 | HK$100,000 to HK$3,000,000 |
| Arrangement fee | Account management fee NT$9,000 for new personal loan cases | HKD 0 (comparison service is free of charge; no fee charged to users) |
| Credit check | Hard | Soft prequal |
| Lender type | Direct lender | Broker |
| Loan types | Personal, Secured, Credit line | Personal, Debt consolidation, Credit line, Car |
| Term | 84 months | Not confirmed |
| Rate type | Not confirmed | Fixed |
| Eligibility | Not confirmed | Hong Kong residents aged 18 or over; products do not apply to persons outside the Hong Kong SAR or minors |
| Credit needed | Not confirmed | Fair |
| Use cases | Not confirmed | Home improvement |
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Key differences
- Cathay United Bank scores higher overall: 9.6 vs 9.0.
- Founded is lower at Cathay United Bank: 1975 vs 2015.
- APR is lower at MoneyHero: 1% to 17.81% vs 1.88%.
- Support channels: only Cathay United Bank offers Chat, Phone.
- Loan types: only Cathay United Bank offers Secured.
- Loan types: only MoneyHero offers Debt consolidation, Car.
Our verdict on each
Cathay United Bank
Cathay United Bank suits borrowers in Taiwan who want a large personal or secured loan from the lender itself, and it prices well against the field at an APR of 1.88%. The catch is the account management fee that comes with a new personal loan case.
MoneyHero
MoneyHero is a Hong Kong comparison broker for residents who want a single fee-free search across personal loans, debt consolidation, credit lines and car finance. Loan amounts run HKD 100,000 to HKD 3,000,000 and APR run 1% to 17.81%, and a soft prequal check sits at the quote stage.
Score breakdown
| Area | Cathay United Bank | MoneyHero |
|---|---|---|
| Cost | 9.7Direct lending at an APR of 1.88%, up to TWD 5,000,000, plus an account management fee on new personal loan cases. | 9.7 |
| Offer | 9.8Higher | 9.1Fixed-rate products start at an initial rate of 1.88% with an APRC of 1.88%, and both remortgage and home equity sit in range. |
| Trust | 9.4Higher | 8.4 |
Feature by feature
| Loan types | Cathay United Bank | MoneyHero |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | No | Yes |
| Credit line | Yes | Yes |
| Secured | Yes | No |
| Car | No | Yes |
How they place
| Ranking | Cathay United Bank | MoneyHero |
|---|---|---|
| Personal loans | 236 of 1932 | 104 of 1932 |
| Lines of credit | 37 of 328 | 21 of 328 |
| Mortgages | 28 of 719 | 13 of 719 |
| Remortgage deals | 15 of 351 | 12 of 351 |
Every fact side by side
| Fact | Cathay United Bank | MoneyHero |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Credit line | Credit line |
| Legal entity | Cathay United Bank Co., Ltd. | MoneyHero Global Limited |
| Headquarters | Taiwan | Hong Kong |
| Founded | 1975Lower | 2015 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Email, Help centre |
Mortgages
| Fact | Cathay United Bank | MoneyHero |
|---|---|---|
| Initial rate | Not confirmed | 1.88% |
| APRC | Not confirmed | 1.88% |
| Maximum loan to value | Not confirmed | 80% |
| Product fee | Not confirmed | HK$0 |
| Purpose | Purchase, Remortgage | Home equity, Remortgage |
Where each stands against the rest
| Fact | Cathay United Bank | MoneyHero | Median |
|---|---|---|---|
| APR | 1.88%lowest quarter | 1% to 17.81%lowest quarter | 8.99% |
| Term | 84 monthsabove the median | Not confirmed | 60 months |
Median across 1005 listed lenders.
Pros and cons
Cathay United Bank
Pros
- Ranks 40 of 350 brands on APR, at 1.88%.
- Borrows up to TWD 5,000,000 for a purchase or a remortgage across a term of 84.
- Covers personal, secured and credit line lending under direct lender, so you deal with the bank rather than a broker.
Cons
- Every case runs a hard credit check, listed as hard.
- New personal loan cases carry an account management fee alongside a rate of 1.88%.
- A term of 84 runs well past the site median, which sits at 36.
MoneyHero
Pros
- The comparison service is free of charge and no fee is charged to users, so searching costs nothing.
- Applications run a soft prequal, so an early look does not need a full credit file.
- Loan amounts run HKD 100,000 to HKD 3,000,000, well past the €876.96 typical amount on the site.
Cons
- Support runs on email and help centre only, so questions on a live application have no phone route.
- MoneyHero is a broker, so the approval decision and the final contract sit with the partner bank rather than the site.
- The dearest end of 1% to 17.81% sits above the 12% site median, and the products ask for fair credit.
Who each suits
Cathay United Bank
Who it suits
- Borrowers in Taiwan who want personal, secured or credit line lending from the lender itself rather than a broker.
- People buying or remortgaging a property, since purchase and remortgage cover both uses.
- Applicants ready for a hard credit check, given hard.
Who should look elsewhere
- Anyone who wants to draw a credit line in stages, since Monzo Flex prices its line at 10% to 23%.
- Borrowers after an app-first application, since Cashspace quotes a range of PHP 12 to PHP 36 on a single market.
- Anyone whose own market rate sits low, since Cashspace ES is listed at 0%.
MoneyHero
Who it suits
- Hong Kong residents who are adults and want a fee-free search across personal loans, debt consolidation, credit lines and car finance.
- Borrowers who would rather compare partner bank offers once than apply to a single lender.
- Homeowners with equity to release, since the range also covers home equity and remortgage.
Who should look elsewhere
- Borrowers chasing the cheapest headline rate: Cashspace quotes APR of PHP 12 to PHP 36.
- People who want to deal with a single lender instead of a comparison service: Monzo Flex quotes APR of 10% to 23%, while MoneyHero works as a broker.
- Applicants outside the Hong Kong SAR, and minors, since the eligibility terms apply to Hong Kong residents who are adults.
Current offers
MoneyHero
Current offer
Bonus
September tax season thank-you festival, CNCBI $mart Plus instalment loan: HKD 3,300
Apply via MoneyHero during the September tax season campaign; page updated 21 September 2026; subject to terms and conditions
Source, checked September 26, 2026
Country by country
| Country | Cathay United Bank | MoneyHero |
|---|---|---|
| Hong Kong | No | Yes |
| Taiwan | Yes | No |
Questions about each
Cathay United Bank
What rate does Cathay United Bank charge on a personal loan?+
The bank quotes an APR of 1.88% on its personal loan product, well below where most of the lenders on the site sit. The site median runs at 12%, so the gap is wide. Loans reach TWD 5,000,000 over a term of 84.
What fees come with a new personal loan?+
New personal loan cases pay an account management fee, alongside a rate of 1.88% on the product page. The published charge is written for new cases, so anyone already banking with the bank should check the current terms. Budget for the fee as well as the interest when you compare.
MoneyHero
Does MoneyHero charge an arrangement fee?+
The comparison service is free of charge and no fee is charged to users, so nothing is payable for the search itself. On the home equity and remortgage products, the product fee is listed as HKD 0.
Is MoneyHero a lender?+
MoneyHero is a broker, run by MoneyHero Global Limited. That means the site places offers from several partner banks next to each other, and the bank you apply to is the one that decides the rate, the approval and the contract.
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