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Card Debt Consolidation Loan

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Loan Calculator
Loan Amont
HK $
Tenor
6
Tenor
Monthly Repayment
HK $
838
~
HK $
894
1. Loan amount should fall within $5,000 and $1,500,000.
2. Monthly repayment is calculated using an effective rate of 1.99% - 25.00% and is for reference only.
Our Advantage

How to apply

Step 1:

Fill in application details

Simply fill in basic information about your loan and personal details to start the application process.

Step 2:

Get automated approval and fair quotation by A.I.

WeLend A.I. simplifies the approval process. You can get your quotation instantly2 and your approval result in a matter of seconds3.

Step 3:

Verify identity and upload supporting documents

Complete identity verification and upload relevant documents to complete the application seamlessly.

Step 4:

Complete agreement and Disbursement

Done! You can now sign your loan agreement and your loan will be ready soon4!

FAQ

All loan applicants must be a Hong Kong resident aged 18 years or above* and meet the following requirements:

  • Stable employment: Minimum employment at current job of 3 months
  • Repayment Ability: Minimum monthly income of HK$8,000

Submit the following documents during the application process:

  • HKID Copy
  • Disbursement account proof (for the purposes of account verification, you can provide monthly bank statement)

Additional documentation if necessary:

  • Commission Based Salary: Minimum recent 3 months of Income Proof
  • Real Estate Industry: Minimum recent 6 months of Income Proof
  • Residential address proof

*if you are Chinese citizen, please may consider using Wolaidai, tailor made for mainland customers. For more details, please visit https://m.wolaidai.com

WeLend provides loan amounts from HK$5,000 to HK$1,500,000. A flexible repayment schedule is also available, ranging from 3 to 84 months. The maximum loan amount is determined by your financial background; including credit score, monthly income, occupation and financial situation.

Application Process can be as simple as:

  1. Apply online
  2. Upload documents
  3. Instant approval^
  4. Verification and disbursement

^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

WeLend is a purely online operated lending platform, offering seamless lending services with low operating costs. Meanwhile, many brick-and-mortar banks and financial institutions have additional costs from maintaining retail operations. 

WeLend does not charge any application fees, handling fees, guarantor fees, photocopy fees, introductory fees or any related fees. If any loan is cancelled, declined or otherwise not accepted, no fees will be charged. This also includes the time charge for loan negotiation or any related fees. WeLend does not have any hidden fees and commits to high transparency within all our terms. What you see is what you get.

Remarks

1. The customer must fulfil specific credit requirements to be eligible. Actual situation may vary depending on each individual case. 2. 90% interest savings is calculated using annual percentage rate 36% with minimum monthly payment 1%. 3. All data is collected from customers in accordance with WELEND LIMITED's Privacy Policy and Personal Information Collection Statement. 4. 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. 5. Terms and conditions are applied to the promotion. 6. 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.
In the event of any inconsistencies between the English and Chinese version of the Terms and Conditions, the English version shall prevail.
Loan Calculator
Loan Amont
HK $
Tenor
6
Tenor
Monthly Repayment
HK $
838
~
HK $
894
Remark
1. Loan amount should fall within $5,000 and $1,500,000.
2. Monthly repayment is calculated using an effective rate of 1.99% - 25.00% and is for reference only.
Important notice
【Important Notice on Fraud Prevention】Fraudsters may impersonate as our staff by different means such as providing fake name card to deceive customers into updating their personal information for applying loans. WeLend reminds you: WeLend do not distribute name cards to customers or request any personal information from customers through non-official channels. If you suspect the identity of the caller, please immediately call +852 3590 6396 or verify the information with a WeLend customer service representative through the official WhatsApp number +852 3706 9120. You may also report suspicious fraudulent activities to the Hong Kong police. WeLend will cease accepting new loan applications of New Phone & Cash Plan, Instant Cash Plan and 3Money App from 14th January 2025. We sincerely thank you for your trust and understanding. For enquiries, please contact WeLend at +852 3590 6396 or email to cs@welend.hk.