WeLab Bank Card Debt Consolidation Loan

Update time: Sept 2023

Total Repayment (as low as)


Monthly Repayment (as low as)


APR (as low as)

Monthly Flat Rate: 0.07%
Reduce interest expense up to 97% and enjoy HK$0 handling fee
Complete your application as fast as in 3 steps

Great for

  • [Offers 1 & 2] Customer is entitled to up to HK$21,068 WeLab Bank Cash Rebate Offer & MoneyHero Exclusive Offer upon the following requirements being satisfied

    Successfully applied and drawdown the Card Debt Consolidation Loan from WeLab Bank with entered the referral code "NLHERO" from 1 September 2023 to 30 September 2023 to enjoy:


    WeLab Bank Cash Rebate Offer

    MoneyHero Exclusive Offer

    Drawdown Loan Amount

    Tenor 24 months or above & below 36 months

    Tenor 36 months or above

    Tenor 36 months or above

    HK$1,000,000 to HK$1,500,000



    Option (1): HK$7,000 Apple Store Gift Card or

    Option (2): Dyson Purifier Hot+Cool™ Formaldehyde HP09 (valued at HK$7,180) or 

    Option (3): HK$7,000 supermarket coupon

    HK$400,000 to HK$999,999



    HK$4,000 supermarket coupon

    HK$200,000 to HK$399,999 HK$2,000 HK$3,000 HK$2,000 supermarket coupon
    HK$50,000 to HK$199,999 / HK$500 HK$1,000 supermarket coupon
    • All of the Rewards will be issued randomly in colour

    How to redeem MoneyHero exclusive offer?

    • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
    • Within 7 days of receiving the email, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with WeLab Bank.
    • Tips:
    • Terms and Conditions apply
  • Product Features

    • The whole process is done by mobile phone, you can borrow without leaving home or showing up
    • Reduce interest expense up to 97% and enjoy HK$0 handling fee
    • Tailor a personalized repayment plan for you to centralize card debts and pay off the debts in one go
    • Loan amount up to HK$1,500,000 or up to 18x monthly salary (whichever is lower)
    • Loan tenor options available up to 72 months

Need to know

  • Things you need to know

    • Same day disbursement at the earliest: The estimated period is calculated from the day the loan agreement is signed. The actual approval period and the actual time the loan is disbursed may vary upon information provided by the applicants.
    • The final approved loan amount, interest rate and loan tenor are subject to the credit approval.
    • To borrow or not to borrow? Borrow only if you can repay!


Minimum Age
18 years old
Min. Annual Income
Permanent Resident


Handling Fee

Steps to Apply

1. Apply through WeLab Bank app
2. Upload documents
3. Verify and get approval
4. Disburse loan

Required Documents

1. Address proof within the latest 3 months
2. Income proof
Employed with regular income: latest 1 month;
Freelancer or employed with variable income: latest 3 months

For business owner:
a. latest 3 months personal bank statement, and
b. latest 6 months company bank statements or salary tax demand note

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