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A.I. offers a wide range of loan products

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Personal Loan

Card Debt Consolidation Loan

Property Owner Loan

No Document Loan

A.I. Quotation

A.I. applies more than 400 million sets of data and background information of applicants over the years² to calculate a fair and tailor-made quotation in 1 second³, approving the amount you need instantly¹.

A.I. Simplicity

Breaking the boundaries of traditional loans, A.I. can shorten complicated loan procedures. Income and risks are calculated by A.I., submit your bank card and HKID to obtain a fair quotation and receive cash in as fast as 14 minutes¹. A.I. can read documents, shortening application time.

A.I. Speed

Automated loan processing without manual input suits you the most. A.I. can calculate the loan amount and interest rates instantly¹. Apply anytime and receive capital on as quick as the same day⁴. Online applications can help manage capital needs fast!

A.I. Chatbot

Want to know more about your loan quotation? How many instalments can you arrange for your loan? Applying online is easier than you think. A.I. stands by 24/7, answering questions anytime. A.I. keeps learning and improving your financial journey, so that you can complete your application easier.

A.I. Simplicity

A.I. Verification

A.I. Quotation

A.I. Transparency

A.I. Rate

Personal Loan Comparison

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.

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

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.

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

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.

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

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.

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

Operation cost for having physical branches, including rent and salary etc. are often transferred to the customer, leading to a higher loan interest rate.

WeLend

Purely online with no branches, WeLend has lower operation cost and higher efficiency, allowing applicants to receive more favourable quotations.

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.

phone

Loan Amount

$0

@24-Months Tenor

Ms. Yip, Jewelry shop owner

Successfully received a personal loan

3.68% APR (Annual Percentage Rate)

Total repayment amount of HK$519,155

To run a jewelry store, factory deposits need to be paid in advance for mass production. I couldn’t afford the prepayment. Hoping to expand my business, I decided to apply for a WeLend personal loan. At the end, I earned much more than the amount I spent on the loan interest. WeLend allows me to apply fully online and can enjoy low interest rates, so I can grow my business easily.

Interest rates may vary depending on the customer’s financial position and repayment record. The maximum annual percentage rate is 48.00%. The repayment period is typically between 3 months to 84 months. WELEND LIMITED reserves its absolute right on the final loan decision

Mr. Lee, Professional

Successfully received a personal loan

3.03% APR (Annual Percentage Rate)

Total repayment amount of HK$251,189

The stock market has been volatile recently and it is a good time to earn returns. I got a loan from WeLend because of the low interest rate and stable monthly repayments, which is suitable for conservative investors like me. Applying for a WeLend personal loan online and signing the loan agreement online on the same day allowed me to seize the opportunity while stock prices were rising and gave me the capital I needed in time.

Interest rates may vary depending on the customer’s financial position and repayment record. The maximum annual percentage rate is 48.00%. The repayment period is typically between 3 months to 84 months. WELEND LIMITED reserves its absolute right on the final loan decision

Mr. Chan, Public servant

Successfully received a personal loan

3.76% APR (Annual Percentage Rate)

Total repayment amount of HK$153,044

Traditional banks in Hong Kong normally offer lower interest rates. Yet, most of them take days to disburse the loan. WeLend processes all applications online. No branch and therefore no expense on rental fee, which reduces WeLend’s cost and enables them to offer truly low interest rates. The whole process is so fast and convenient.

Interest rates may vary depending on the customer’s financial position and repayment record. The maximum annual percentage rate is 48.00%. The repayment period is typically between 3 months to 84 months. WELEND LIMITED reserves its absolute right on the final loan decision

feedback-phone-mobile

Loan Amount

$0

@24-Months Tenor

Ms. Yip, Jewelry shop owner

Successfully received a personal loan

3.68% APR (Annual Percentage Rate)

Total repayment amount of HK$519,155

To run a jewelry store, factory deposits need to be paid in advance for mass production. I couldn’t afford the prepayment. Hoping to expand my business, I decided to apply for a WeLend personal loan. At the end, I earned much more than the amount I spent on the loan interest. WeLend allows me to apply fully online and can enjoy low interest rates, so I can grow my business easily.

Interest rates may vary depending on the customer’s financial position and repayment record. The maximum annual percentage rate is 48.00%. The repayment period is typically between 3 months to 84 months. WELEND LIMITED reserves its absolute right on the final loan decision

Mr. Lee, Professional

Successfully received a personal loan

3.03% APR (Annual Percentage Rate)

Total repayment amount of HK$251,189

The stock market has been volatile recently and it is a good time to earn returns. I got a loan from WeLend because of the low interest rate and stable monthly repayments, which is suitable for conservative investors like me. Applying for a WeLend personal loan online and signing the loan agreement online on the same day allowed me to seize the opportunity while stock prices were rising and gave me the capital I needed in time.

Interest rates may vary depending on the customer’s financial position and repayment record. The maximum annual percentage rate is 48.00%. The repayment period is typically between 3 months to 84 months. WELEND LIMITED reserves its absolute right on the final loan decision

Mr. Chan, Public servant

Successfully received a personal loan

3.76% APR (Annual Percentage Rate)

Total repayment amount of HK$153,044

Traditional banks in Hong Kong normally offer lower interest rates. Yet, most of them take days to disburse the loan. WeLend processes all applications online. No branch and therefore no expense on rental fee, which reduces WeLend’s cost and enables them to offer truly low interest rates. The whole process is so fast and convenient.

Interest rates may vary depending on the customer’s financial position and repayment record. The maximum annual percentage rate is 48.00%. The repayment period is typically between 3 months to 84 months. WELEND LIMITED reserves its absolute right on the final loan decision

A.I. Blog and Loan Tips

A.I. 貸款知識

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理財資訊

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Remarks

1. The customer must fulfil specific credit requirements to be eligible. Actual situation may vary depending on each individual case.
2. All data is collected from customers in accordance with WELEND LIMITED's Privacy Policy and Personal Information Collection Statement.
3. 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.
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. WELEND LIMITED reserves the right to request further supporting documents for loan approval purposes in certain circumstances.
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.