# The customer must fulfil specific credit requirements to be eligible. Actual time may vary depending on each individual case.
* Income Proof and Address Proof waiver only available for loans with the maximum loan amount of HK$300,000 and for customers who fulfil specific credit requirements. WELEND LIMITED reserves the right to request further supporting documents for loan approval purposes in certain circumstances. Larger loan amounts may be offered to customers who provide supporting documents. HKID copy and disbursement account proof are required from all new customers for identity verification and loan disbursement purposes.
** Only refers to the time needed to calculate quotations after receipt of the applicant's TU Report. Applicants must fulfil specific requirements to be eligible, actual time may vary depending on each individual case.
^^ The loan will be transferred via Faster Payment System (FPS) after the loan is approved and the loan agreement is signed. Actual transfer time is subject to each individual bank's transfer service hours.
***Fully online loan refers to the loan process is handled by A.I. online. Interest rate is calculated based on A.I. big data. The customer must fulfil specific credit requirements to be eligible, final approval result may vary depending on each individual case.
^ "A.I. chatbot provides immediate solutions 24/7" only refers to WeLend Chatbot automatically replying enquiries on loan process 24/7. The actual situation might be different based on particular problems and situations.
WELEND LIMITED reserves its absolute right on any loan approval decision and any disputes.
In the event of any inconsistencies between the English and Chinese version of the Terms and Conditions, the English version shall prevail.