Apply
Apply

Loan Product

Offer

Calculator

Webot

Home

Product Overview

Personal Loan

Latest Offer5
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.

Personal Loan Comparison

A.I. Simplicity
WeLend
By leveraging on A.I. and big data, income of applicants could be projected. Complete an application in only 2 steps1 and no extra documents6 are needed. Apply now and get the cash in as quick as 14 minutes4 !
Banks and traditional financial institutions
Most banks require many different document proofs, and applicants may have to submit the documents in person. Besides, online applications could be followed up by approvers from many different departments, which could result in a processing time of nearly 1-month from application to disbursement.
A.I. Verification
WeLend
The highest safety standards are adopted by WeLend A.I., and clients can have his/her selfie taken instantly. HKID is verified and cross checked with our A.I. engine to gatekeep your privacy, so that you do not need to visit physical branches.
Banks and traditional financial institutions
Applicants may be required to visit a physical branch office to submit documents for verification. However, the operation hours might overlap with the applicant’s the working hours so the application may not be completed in 1 step.
A.I. Quotation
WeLend
Loan applications are processed by A.I. based on the financial situation of the applicants and more than 4 million sets of data2, A.I. provides quotation without manual factors, avoiding subjective quotations.
Banks and traditional financial institutions
Most quotations and approvals are done manually, resulting in varying approving standards from different approvers. This creates potential differences in loan amount and pricing for a customer.
A.I. Transparency
WeLend
A.I. Chatbot can track your loan application anywhere, anytime. It can solve enquiries instantly and the whole process is highly transparent.
Banks and traditional financial institutions
If applicants need to call the branch to enquire about the progress of their application, applicants have no way of knowing the application progress during non-working hours.
A.I. Rate
WeLend
Purely online with no branches, WeLend has lower operation cost and higher efficiency, allowing applicants to receive more favourable quotations.
Banks and traditional financial institutions
Operation cost for having physical branches, including rent and salary etc. are often transferred to the customer, leading to a higher loan interest rate.

WeScore Financial Health Evaluation

WeLend believes technology advancement can bring convenience to daily life. This is also the reason why WeLend upholds the value of enhancing A.I. system - by applying 400 million sets of data and background information of applicants over the years1, "WeScore Financial Health Evaluation" is the latest set of comprehensive financial health indicators assisting you to restore long-term financial health.

Apply Now

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

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.

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

  • Minimum employment at current job of 3 months
  • 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 documents^^ 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 LIMITED reserves the right to request further supporting documents for loan approval purposes in certain circumstances.

Applying for a WeLend Personal Loan can be as simple as:

  1. Submit your application details online
  2. Receive instant approval results##
  3. Complete identity verification and document upload
  4. Sign loan agreement and receive your loan proceeds

##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

To track your application status and records, simply login at https://member.welend.hk/en/users/sign_in or call our CS Hotline 3590 6396. 

WeLend is a pure online operated money lending business, offering seamless money lending service with high cost efficiency. Meanwhile, brick-and-mortar banks and financial institutions suffer stress from maintaining retail operations, whereas WeLend can offer competitive interest rates and other benefits as WeLend does not need to allocate budget to run a retail business.

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. All data is collected from customers in accordance with WELEND LIMITED's Privacy Policy and Personal Information Collection Statement. 2. 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. 3. The customer must fulfil specific credit requirements to be eligible. Actual situation may vary depending on each individual case. 4. 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. 5. Terms and conditions are applied to the promotion. 6. This suggestion is developed based on information provided by customers. WELEND LIMITED shall not be obliged to any responsibility in case of wrong, incorrect, incomplete or invalid information. 7. Data refers users who used WeScore Financial Health Evaluation during the period from 01/2024 to 02/2024. On average 75% of the users’ financial scores have been sustained or increased within 3 months. 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.