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3HK handset instalment

WeLend offers 3HK customers monthly instalment plans for handset purchases and prepaid mobile expenses. Enjoy a 2 month payment-free period* and get a new phone!


Flexible monthly payments for 3HK customers

WeLend offers 3HK customers monthly instalment plans for handset purchases and prepaid mobile expenses. Enjoy a 2 month payment-free period and get a new phone!

12, 18 & 24-month plans

No fees and interest for full repayment within 2 months#

Transparent monthly fees

No fees or interest will be charged if the customer fully repays the loan before the second payment date. If the customer fully repays after the second payment date, the customer shall pay the outstanding fees.


Handset PriceInstallment PeriodFirst 2 month’s
payment amount
3rd-26th month’s
monthly payment amount
Average monthly
HK$5,99824 monthsHK$0HK$284.3HK$34.4
An annual interest rate of 10% with handling fee of 3% for a 24-month installment plan results in an effective rate of 11.43%.


Please call the WeLend installment plan hotline during the following hours:
Monday – Saturdays from 9am to 10pm
Sundays and public holidays from 12pm to 10pm 3590 2553

Flexible payments! No more credit cards!

Debt Consolidation Table

  • Clear your credit card debt with
    Total Debt/
    Loan Amount
    Monthly RepaymentRepayment PeriodTotal Interest Expense
    Credit Card Debt$100,000$4,8151212 months$104,4041
    Debt Consolidation
    $100,000$4,743248 months$27,6642
    Save as much as $76,740 (74%), shorten your repayment period by 164 months
    1. Credit card example shown assumes the monthly repayment is 5% of the highest outstanding balance, the monthly interest rate is 2.5%, the Annualized Percentage Rate ("APR") is 34.49% and the repayment is the average of the first 6-month monthly repayments.
    2. Assumes a 8.38% APR for personal loans.


How and when do I repay?

  1. All repayments can be made by autopay via Direct Debit. Direct Debit is an easy, convenenient and secure way to ensure you pay on time without incurring any additional charges.
  2. The bank will automatically deduct the repayment amount on the scheduled repayment day. Please ensure that there are sufficient funds in your bank account at least 1-2 days prior to the repayment date to cover the repayment to avoid late charges. We will send you a repayment reminder every month.

Are there any fees?

You will not incur any fees in the application process such as application fees, guaranteeing fees, photocopying fees or referral fees. We will also not charge any fees relating to negotiations for granting the loan, as well as the guaranteeing or securing of the repayment. You will not be charged if your application is ultimately withdrawn, rejected, cancelled, or approved but not disbursed.

Application requirements

To be eligible as borrower, you must be a Hong Kong citizen over the age of 18 who meets the following requirements:
  1. GOOD CREDIT HISTORY: We look at your credit bureau score to certify that you have a strong credit history.
  2. STABLE EMPLOYMENT: You must have at least 2 months of job experience (at the same company) to qualify.
  3. ABILITY TO REPAY: We requires a minimum income of HK$8,000/month and monthly debt of less than 80% of your monthly income.

Loan amount, rate, tenor

The maximum loan amount we currently offer is HK$600,000 with interest rates determined based on your credit score. The effective interest rate is calculated based on the loan amount excluding the portion of interest recognized as a “handling fee” according to general market practice. Therefore, the effective interest rate of the loan reflects all future interest payments and the actual costs. This is the common practice in the banking and money lending industries. Depending on your repayment ability, we offer loan tenors from 2 weeks to 60 months.

Early settlement

If you would like to fully settle your loan ahead of schedule, we will not charge any early settlement fees. You will need to notify us through email at least one month in advance regarding early settlement and we will respond with your total early settlement amount, which will include outstanding balance plus the interest for the current month. Once we receive the bank payment record, the loan contract will be terminated.

Is my personal data protected?

All the information you provide is kept strictly confidential and in accordance with the Personal Data (Privacy) Ordinance.


Money Lender's License: 0754 / 2018
The information displayed on this website is for reference only and updated from time to time as a result of frequent reviews by WELEND LIMITED. For more information on our operations, please contact us directly at
3rd Floor, OfficePlus @ Sheung Wan
93-103 Wing Lok Street
Sheung Wan, Hong Kong

© 2018 WELEND LIMITED. All rights reserved.

Warning: You have to repay your loans. Don’t pay any intermediaries.
Customer Service/ Complaint Hotline:3590 6396
(Monday to Friday, 9am-8pm)


Company Information