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Application evaluations are subjected to a complete analysis of your current financial situation, including your income stability, repayment records, financial score and other details. We evaluate situations on a case by case basis and may exempt certain requirements.
Application Process can be as simple as:
Approval Process can be as easy as:
You are also required to submit the following documents during the application process#:
Additional documents may be requested
All changes and updates must be handled by our customer service specialist. Any changes on your loan amount, tenor or updates on personal information, please email to cs@welend.hk or call 3590-6396.
We assess each loan application based on the credit score on the credit report from TransUnion. If the current credit score falls short of WeLend’s company conditions, we will be left with no choice but decline such application. To improve the result of loan application, please note:
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 utilizes A.I to help simplify your application, you can get your loan approved and disbursement instantly* with these easy steps:
You are also required to submit the following documents during the application process^^:
Additional documents^^ may also be requested
All changes and updates must be handled by our customer service specialists. If you would like to make any changes to your loan amount, tenor or personal information, please email cs@welend.hk or call 3590-6396.
Yes! To top up or refinance a loan, Simply login to your WeLend account with your registered mobile number at https://member.welend.hk/en/users/sign_in
Application evaluations are subjected to a complete analysis of your current financial situation, including your income stability, repayment records, financial score and other details. We evaluate situations on a case by case basis and may exempt certain requirements.
You are required to submit the following documents^^ during the application process:
Additional documents^^ may be requested
Login: WeLend Website - https://member.welend.hk/en/users/sign_in
Email: doc@welend.hk
WhatsApp: 3706-9120
Fax:3590-3991
WeLend assesses each loan application based on the credit score on the credit report from TransUnion. If the current credit score falls short of WeLend’s conditions, we may decline your application. To improve the result of your loan application, you may:
We strongly encourage any loan reapplication that best fits your needs in the near future!
If your application information and supporting documents are all submitted during our service hours, preliminary approval result may be ready online for instant review.
WeLend will prepare your loan proceeds as soon as you have signed the loan agreement and personal guarantee (if applicable). However, the final deposit time may vary depending on individual bank arrangements.
Effective rate is a reference rate estimated based on an annualized interest methodology with a combination of lending rates and other fees and charges. Effective rate is based on the definition as outlined in Money Lenders Ordinance and is used as a standardized annualized interest method across the lending industry by all recognized financial institutions.
Once personal information is submitted, a preliminary quotation will be provided. Then you can decide whether to submit other supporting documents or complete the application.
The repayment date is generally set based on 2-5 working days after your payroll date, to ensure sufficient funds within this designated auto-debit bank account.
All customers must set up Direct Debit Authorization for using automatic debit as the repayment method. Direct Debit Authorization is an agreement that allows us to automatically debit your repayment from your bank account on the repayment day.
WeLend does not imply any interest penalties on late repayment, however, a HK$350 administrative fee will be charged for each late repayment for making all necessary arrangements to collect such overdue amount for so long as such overdue amount remains due and outstanding. Late repayments will be notified via email. To avoid any implication on your credit history, please stay on top of your repayments.
For early settlement of any loans, simply inform WeLend with a minimum of 30 days in advance through WhatsApp at 5285-9008 or email to acc@welend.hk, follow up and arrangements will be made accordingly.
To monitor your repayment details, simply login at https://member.welend.hk/en/users/sign_in
First, refresh and check your SMS and email inbox, then check junk mail folder. If still no confirmation message has been received, please confirm if your computer or mobile phone is connected to a wireless or a data network. If you still haven’t received any SMS or emails, please notify cs@welend.hk.
If do not wish to receive any promotional emails or SMS, please email cs@welend.hk with the corresponding email address or call 3590-6396 with the corresponding mobile number to opt out.
At WeLend, safeguarding all personal information and privacy from each server and customer are extremely important to us. This is why multiple firewalls and strict privacy measures are taken to ensure the utmost security to all shared information. For more details on our privacy policy, feel free to learn more at https://www.welend.hk/en/egal?type=privacy-policy
To safeguard all information from each server and customer, please download the latest Chrome, Firefox or Safari browser. If the browser currently using only supports “SSL Encryption 40Bit” or “SSL Encryption 56Bit”, you will not be able to enjoy the full service of our platform.
WeLend’s credit scores are based the credit score from TransUnion.
Monthly principal + Monthly interest = Monthly total repayment amount
WeLend is comprised of a team of elite league professionals from finance, technology and consumer products sectors. The team has a wealth of skills and experiences gained from leading companies, such as CITI, Standard Chartered Bank, HSBC, Prime Credit, Goldman Sachs, Deutsche, Amazon, Oracle, Tencent, Baidu and Alibaba. Leveraging on propriety risk management technology and big data analytics, WeLend has pioneered a seamless online lending experience, that fully automated and fully instant. Eliminating the expenses of physical branches and complex processes, we are able deliver the a seamless lending service in a matter of seconds for our customers. Our elite team is dedicated to our mission to revolutionize traditional lending services.
WeLend is an online lending platform designed and engineered by Asia’s leading fintech group – WeLab. WeLend offers a variety of personal loans to meet the financial needs of customers, such as debt consolidation, taxation, weddings, education, home improvement, travel expenses and more. By utilizing A.I technology, our online lending platform allows our customers enjoy the full benefit of a simplified and seamless loan application journey and reduced interest expenses without expensive agency fees and other complicated procedures.
No matter where you are, the entire application can be completed within minutes and you may even receive your money within the same day!
WeLend will prepare your loan proceeds as soon as you have signed the loan agreement and personal guarantee (if applicable). However, the final deposit time may vary depending on individual bank arrangements.
Loan amounts range from HK$50,000 to HK$2,000,000.
Loan tenor ranges from 12 to 48 months.
WeLend’s SME loan with competitive interest rates that are determined based on SME’s business profile and financial records.
Yes, the monthly instalment amount is fixed and scheduled.
WeLend does not charge any application fees, handling fees, guarantee 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.
Applicants must set up Direct Debit Authorization for using automatic debit as the repayment method. Direct Debit Authorization is an agreement that allows us to automatically debit the repayment from your company’s bank account on the repayment day.
For early settlement of your SME loan, simply inform WeLend with a minimum of 30 days in advance through WhatsApp at 3706-9351 or email acc-sme@welend.hk in the form of written notice, WeLend will follow up and make the arrangements accordingly.
For all general enquires regarding SME Loan, please contact us through WhatsApp at 3706-9350, email cs-sme@welend.hk or call 3590-9213 for assistance.
Please enter the mobile number and email address that you have used to apply with when logging in. If you still can’t access your account, please contact us through WhatsApp at 3706-9350, email cs-sme@welend.hk or call 3590-9213 for assistance.
First, confirm that you are using the registered phone number and that regular SMS messages can be received. Then check if you have received a verification code via SMS. The verification code is time limited, if the idle time is longer than 10 minutes, you will need to request a new verification code. If the problem persists, please email us at cs@welend.hk or call 3590 6396.
Simply submit your request with the supporting documents to us at cs@welend.hk or WhatsApp at 3706-9120. To safeguard all accounts, different supporting documents may be required for verification purposes.
The business must be registered in Hong Kong with a minimum of 1-year operating history and the applicant must be a Hong Kong permanent resident. For limited companies, this application requires a personal guarantee.
Application process is as simple as:
1. Apply online
2. Complete application information
3. Instant quotation##
4. Identity verification
5. Upload documents
All loan applicants must be a Hong Kong resident aged 18 years or above and meet the following requirements:
Submit the following documents^^ during the application process:
Additional documents^^ if necessary:
If you are Chinese citizen, please may consider using Wolaidai, tailor made for mainland customers. For more details, please visit https://m.wolaidai.com
Applying for a WeLend Personal Loan can be as simple as:
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.
一般來說,於銀行想申請業主貸款,大多需要物業作抵押,而貸款額是根據物業借貸的已供款的金額作基準。其實市面上有更方便及快捷的選擇。不論是私人物業,居屋或已補地價公屋同樣可以申請,與其他業主私人貸款比較,WeLend A.I. 業主私人貸款更能做到大額低息貸款。只有聯名物業中的其中一人都可以借到,申請相當簡單。透過網上或手機申請,只需填寫簡單個人資料,就可以同日提供整個還款方案,包括獲批的貸款金額、供款期數、實際年利率和每月供款額。即日申請,A.I. 最快30分鐘特快批核<sup>3</sup>,最快即日收到大額現金!
All loan applicants must be a Hong Kong resident aged 18 years or above* and meet the following requirements:
Submit the following documents during the application process:
Additional documentation if necessary:
未補價的公營房屋,不論係居屋、公屋定綠置居單位,加按套現周轉方面有限制。如果擅自將未補地價單位加按更是犯法行為。
即使你將現時的居屋申請加按及轉按,房署只會在有關申請與醫藥費、教育費、殮葬費及贍養費等理由,才批准加按。若是因為個人問題就未必會獲批。而且,房委會的批核準則嚴緊,一般拖欠卡數或貸款等理由未必會被接納,只有無力償還等嚴重情況才有機會被考慮。而且申請手續程序繁複,亦要提供入息和工作證明。加按套現的金額亦受到嚴格限制,只能套取有關緊急情況所需的金額。
如果持有未補價嘅資助房屋單位,有事急須套現,若未能符合房委會的要求,或者短時間內需要資金,就可以轉而考慮市面上的業主私人貸款。
No collateral is required for WeLend Business SME loans. For Limited Companies, this application requires a personal guarantee.
You are required to submit the following documents during the application process:
If you have completed the application online, approval result (including loan amount, loan tenor, loan interest and monthly repayment) can be ready instantly.
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.
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.
Traditional banks and other financial institutions often promote "instant approval loan " or "online instant approval loan ". Most people choose a loan plan based on the approval process time if they have urgent funding needs.
However, these claims may not always be true. There are many limitations in a loan approval process, so it may not be as "instant" as advertised.
Limitation on application
One limitation is the requirement to apply in person and submit additional documents. Traditional banks often require personal visits to their branches to submit address and income proof, and also conduct identity checks. Operating hours are usually similar to normal working hours, which is inconvenient. If you apply during non-working hours, it is hard to reach out to relevant customer service representative to answer questions immediately.
Limitation on approval
Another challenge is the time needed to review and approve the documentation. Traditional banks typically require a significant amount of documentation, and the internal approval process could take several weeks.
Limitation on mobile loan APP
Many traditional banks and other financial institutions have launched applications on mobile devices, claiming that applications can be processed instantly through the mobile app. However, some mobile apps are just used to collect personal information for the application instead of giving instant loan approval and instant disbursement.
Only WeLend A.I. provides you with instant approval and cash delivery
WeLend A.I. technology can truly provide you with a fast and efficient loan approval experience. 24/7 online loan application with simple personal information are required. WeLend provides No Doc Loan#^^. A.I. can simplify loan application process and provide instant loan approval#. Without branches or handling fee, identity verification can be done online through facial recognition technology. WeLend A.I. offers a quicker and more accurate results compared to manual approval result ##. Deposit will be made instantly via Faster Payment System (FPS) once the contract is signed and documents are verified online*.WeLend A.I. offers a fair quotation and repayment schedule based on the individual's personal information, credit score, and loan history. Same-day loan application, same-day cash delivery!
Please contact us via our Customer Service hotline at (852) 3590 6396