WeScore Financial Health Evaluation | WeLend

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Know more about WeScore Financial Health Evaluation!

AI uses 400 million sets of data and background information of applicants¹ over the years, with the help of each applicant's behavioural habits, the first-in-market "WeScore Financial Health Evaluation" is more accurate because our AI system can optimize the financial rating result 24/7. It genuinely helps applicants based on their respective financial situations. It takes only 3 steps² to help you achieve 1 great leap on financial planning!

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AI Calculation

WeLend AI can learn and optimize the system 24/7.

Huge Database

WeLend's 400 million data¹ sets collected throughout the years provides WeLend AI and its applicants with the foundation for WeScore Rating.

Financial Health Index

Through "WeScore Financial Health Evaluation", WeLend strives to serve you better and restore your financial health step by step until you achieve your financial goals.

AI Calculation

WeLend AI can learn and optimize the system 24/7.

Huge Database

WeLend's 400 million data¹ sets collected throughout the years provides WeLend AI and its applicants with the foundation for WeScore Rating.

Financial Health Index

Through "WeScore Financial Health Evaluation", WeLend strives to serve you better and restore your financial health step by step until you achieve your financial goals.

WeScore Financial Health Evaluation can help users:

Step 1

Real-time calculation of WeScore Rating

WeLend A.I. automatically calculates WeScore Rating, allowing you to understand your real time financial health status and compare your WeScore Rating with people who are in the same age group as you. You will understand more on the importance of WeScore, as every financial decision and habit you make can impact your WeScore result. Achieving a high or low WeScore Rating will have a direct relationship with your own life planning as well.

Step 2

Personalised financial recommendations with analysis by A.I.

A.I. combines the applicant's background with big data¹, based on your real time financial records and habit, providing you with suggestions to restore a stable financial status for free³. A.I. minimizes potential risks and prepares for risks ahead. Your future plan is under control.

Step 3

Provide each applicant with tailor-made loan solutions

Further to the 2 steps mentioned, WeLend A.I. will offer exclusive loan plans based on each applicant's data. From now on, WeLend does not merely provide short-term support, but also offers a helping hand to maintain or restore your financial health status. It is our pleasure to help you through every step on accumulating wealth.

Why Financially Healthy is Important

Whether you are financially healthy or not could impact your life. Once you are unable to handle your finances well, bad records can affect your entire life planning.
If you do not handle personal finance well, frequently seen problems are:

Searching for a job

When a company runs background check on you, they may have hesitation on your financial situation

Loan

When you are looking to borrow a loan, a slower approval process and even refusal to lend money might be experienced

Immigration

Your background information is checked thoroughly in immigration related applications, and past records on your financial health will be considered

Buying car

If you would like to pay for your car by instalments, having a bad record in your financial profile might lead to unnecessary problems

Buying property

Buying a property is one of the most important items in life planning, related financial institutions might have different approval results based on your past record on financial health

Searching for a job

Loan

Immigration

Buying car

Buying property

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Case Comparison

Income

Job Occupation

Characteristics

Score

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The above information is for reference only

With a better WeScore rating, you can enjoy:

Through a good financial planning habit, your risk management skills can be improved – together with your WeScore Rating! You should safeguard your personal financial health all the time. Restore to a better state of life planning. Achieve financial independence.

AI brand new loan experience

24/7 Fully automated AI approval process²

Skipping unnecessary documents⁴

Getting cash on the day of applying⁵.

Reasonable APR pricing

Remarks

1. All data is collected from customers in accordance with WELEND LIMITED's Privacy Policy and Personal Information Collection Statement. 2. The customer must fulfil specific credit requirements to be eligible. Actual time situation may vary depending on each individual case. 3. 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. 4. WELEND LIMITED reserves the right to request further supporting documents for loan approval purposes in certain circumstances. 5. 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. 6. The content of this webpage is for information only and does not take into account any personal circumstances unknown to WELEND LIMITED. The recommendations do not constitute any offer, solicitation, recommendation, comment or any guarantee to the purchase or sale of any financial products or services. 7. Before making any decision, you should consider your own financial situation, risk acceptance, ability to understand the nature and risks of the relevant product(s) and should undertake your own independent review and seek independent professional advice. 8. WELEND LIMITED accepts no liability for any loss or damage arising directly or indirectly from actions taken or not taken in reliance on the content of this webpage. 9. The financial healthiness score is independently developed by WeLend using demographic data collected from customers in accordance with WeLend's Privacy Policy and Personal Information Collection Statement. The financial healthiness score is not related to any score or grade provided by third parties, including credit reference agencies. In the event of any inconsistencies between the English and Chinese version of the Terms and Conditions, the English version shall prevail.

Loan Calculator

HK$

Months

6

Months

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 1.88% - 25.00% and is for reference only.

Contact Us

(852) 3590 6396 cs@welend.hk

Warning: You have to repay your loans. Don’t pay any intermediaries.

Money Lender's Licence No. : 0900 / 2025 Enquiry and Complaint Hotline: (852) 3590 6396 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 cs@welend.hk Unit 05-12, Level 22, K11 ATELIER King’s Road, 728 King’s Road, Quarry Bay, Hong Kong © 2026 WELEND LIMITED. All rights reserved. Important Notice: Beware of Scams – Fraudsters may create fake social media accounts such as Facebook or Instagram, as well as fake websites, to impersonate WeLend and trick customers into providing personal information for loan applications. Our official social media accounts are Facebook: https://www.facebook.com/WeLend.hk and Instagram: https://www.instagram.com/welendhk/, and our official website is https://www.welend.hk/. 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.