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Money101 review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Money101 suits people in Taiwan who want one place to check borrowing and protection costs side by side, and it charges TWD 0 a month for membership. Loan APRs run 2.46% to 17.07% and the range is wide, so read the terms on each plan before you apply.

Key facts

Best for
Taiwan residents comparing personal loans and insurance in one place.
Premium from
NT$889↗
Insurance types
Auto, Motorcycle, Travel, Pet, Home↗
Provider type
Comparison site↗
Cover limit
Compulsory car third-party liability: death benefit NT$2,000,000 per person, disability benefit up to NT$2,000,000 per person, injury medical benefit up to NT$200,000↗
Age range
20 and under to 60 and over (compulsory car insurance rate age brackets)↗
Legal entity
Money101 Limited (理財一零一有限公司)↗
Headquarters
Taiwan↗
Founded
2014↗
Support channels
Chat, Help-centre↗
Pricing model
No monthly fee
Official website
money101.com.tw

Loans

APR
2.46% to 17.07%↗
Loan amount
NT$50,000 to NT$10,000,000↗
Term
36 to 120 months↗
Arrangement fee
NT$0 起 (most Money101 channel plans); NT$3,000 起 at CTBC Online loan; NT$9,000 where no plan is tied↗
Credit check
Hard↗
Funding time
Fastest 10 minutes after online contract signing↗
Representative example
HSBC personal loan: NT$300,000 over 5 years, first-period rate 0.01%, then 2.54%-15.99% floating, setup fee NT$0, total cost APR 2.46%-15.39%↗
Rate type
Variable↗
Lender type
Broker↗
Free early repayment
No↗
Eligibility
18-60 years old, Taiwan national, annual income at least NT$300,000 (some partner loans 20-63, income from NT$220,000)↗
Loan types
Personal, Debt-consolidation, Credit-line, Secured, Car, Business↗
Credit needed
Good↗
Use cases
Home-improvement↗
Features
Same-day funding, Credit line

Savings

Access terms
Free online membership, Taiwan market, support Mon-Fri 09:00-18:00↗
Monthly fee
NT$0↗

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
LinkedInfacebook.cominstagram.comyoutube.com

Pros and cons

Pros

  • Membership costs TWD 0, so price checking is free to start
  • Loan amounts run TWD 50,000 to TWD 10,000,000 and terms run 36 to 120, a spread that suits both small and large borrowing
  • Funding is quick, with Fastest 10 minutes after online contract signing stated on the loan pages
  • Insurance lines cover auto, motorcycle and travel alongside the lending side

Cons

  • Credit checks are hard and applicants are expected to have good credit, which narrows who qualifies
  • Free early repayment is no on these plans, so settling a loan early carries a cost
  • Support runs on chat and help centre only, with no phone line listed
Money101

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Scored 8.5 / 10 by SumCue.

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Who it suits

  • Taiwan residents comparing personal loans from several lenders at once
  • Households wanting car, home, travel, pet and motorcycle insurance quotes in the same place
  • People planning home improvement borrowing who want to see a rate range before applying

Who should look elsewhere

  • Borrowers in the UK or Europe, as Money101 serves a single market in Taiwan
  • Anyone with a thin credit file, since the credit check is hard and good credit is expected
  • People who want to repay a loan early without a charge, as free early repayment is no

The company behind it

Money101 is a comparison site rather than a lender or an insurer, so the products on show come from partner providers and the quotes sit behind its own terms. The legal entity is Money101 Limited (理財一零一有限公司), headquartered in Taiwan and founded in 2014. Support is offered on chat and help centre, so questions are answered in writing or in chat rather than on a phone line.

How Money101 compares

Where Money101 is available

Available
Taiwan

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to use Money101?+

Online membership is free, with a monthly fee of TWD 0. That means you can browse and compare quotes at no ongoing charge, and the loans and insurance sit with the providers it introduces rather than with the site itself.

How much can I borrow through Money101?+

Loan amounts run TWD 50,000 to TWD 10,000,000 across the plans listed, with terms running 36 to 120. APRs sit between 2.46% to 17.07%, so the cheapest and dearest options on the site are a long way apart and the exact plan matters more than usual.

How long does it take to get the money?+

The fastest stated time is Fastest 10 minutes after online contract signing. Features listed for these loans include same day funding and a credit line, so an agreed plan can draw down quickly once the contract is signed online.

What credit history do I need?+

The credit check on these loans is hard and the expected credit file is good. Applicants also need a minimum age and a set annual income, and a few partner loans accept a wider age band and a lower income floor.

What insurance can I compare?+

Insurance types listed include auto, motorcycle and travel. Compulsory car cover is the flagship example, where the third party liability death and disability benefits and the injury medical benefit each carry a fixed ceiling, and premiums start at TWD 889.

Can I repay a loan early without paying extra?+

Free early repayment is no on these plans. That is worth weighing if you expect to clear the balance sooner than planned, because the extra cost sits with you under the terms shown.

How do I get help?+

Support runs on chat and help centre, so a help centre and chat are the routes available, with service hours limited to weekday business times. The stated channel for support matters if you need a spoken conversation, since no phone line is listed.

What loans does Money101 cover?+

The loan types listed include personal lending, debt consolidation, a credit line, secured loans, car loans and business loans, with home improvement called out as a use. A representative example shows a small first period rate before a wider floating rate, so the early repayments look cheapest and later ones do not.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Monthly payments.

Money101

Money101

Taiwan residents comparing personal loans and insurance in one place.

8.5/10See alternatives