WeLend Loans | APR as Low as 1% + HK$38,600 reward
Updated: 26 Mar 2026
WeLend loans offer an actual annual interest rate as low as 1%, making them one of the lower-interest options among financial company loans. Applying for a WeLend loan requires no proof of income or address, just your ID and bank card, and you can receive instant approval and immediate fund transfer.
Is borrowing from WeLend a good choice? Are there penalties for early repayment? Check out MoneyHero’s guide to WeLend personal loans, balance transfer loans, homeowner loans, and other products, along with WeLend reviews, interest rates, fees, and welcome offers.
Total Interest
HK$ HK$
292Total Repayment
HK$ HK$
30,292APR
1.00 %Processing Fee
HK$ HK$
0Update your loan amount to at least HK$150,001 and loan tenure to at least 24 month to unlock exclusive gifts worth up to HK$2800.
1. Apply online
2. Upload documents
3. Instant approval
4. Verification and disbursement
- Enjoy Cash Reward up to HK$33,800 upon successfully draw down
- A.I. fully automated loan with simplified loan process; from application, approval to disbursement, all done online.
- A.I. processes loan quickly, cash is transferred automatically and instantly once the loan is confirmed.
- Utilizing A.I. big data to calculate personalized quotations, ensuring the loan amount based on your needs.
- WeScore new credit indicator, assist you to restore long term financial health by using 400 million sets of data!
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$96,000
Required Documents
- HKID Copy
- Disbursement account proof
- Residential address proof
- Commission Based Salary: Minimum recent 3 months of Income Proof
- Real Estate Industry: Minimum recent 6 months of Income Proof
Key Features
-
Parts of the cash rebate will be distributed by WeLab Bank, all cash rebate is subject to the terms & conditions.
- The above interest rates and repayment information are for reference only. The final terms will be determined based on the customer's application information and personal credit records.
- WELEND LIMITED reserves its absolute right on any loan approval decision and any disputes.
- Warning: You have to repay your loans. Don’t pay any intermediaries.
- Customer Service/ Complaint Hotline: 3590 6396
- Money Lender's License: 0900/2025
Total Interest
HK$ HK$
292Total Repayment
HK$ HK$
30,292APR
2.78 %Processing Fee
HK$ HK$
0Update your loan amount to at least HK$150,001 and loan tenure to at least 24 month to unlock exclusive gifts worth up to HK$2800.
1. Apply online
2. Upload documents
3. Instant approval
4. Verification and disbursement
- Enjoy Cash Reward up to HK$33,800 upon successfully draw down
- Laon amount of up to 25x monthly salary
- Save up to 90% interest; repay credit card debts faster and boost your credit score instantly.
- WeScore new credit indicator, assist you to restore long term financial health by using 400 million sets of data!
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$96,000
Required Documents
- HKID Copy
- Disbursement account proof
- Residential address proof
- Commission Based Salary: Minimum recent 3 months of Income Proof
- Real Estate Industry: Minimum recent 6 months of Income Proof
Key Features
- 90% interest savings is calculated using annual percentage rate 36% with minimum monthly payment 1%.
- Parts of the cash rebate will be distributed by WeLab Bank, all cash rebate is subject to the terms & conditions.
- The above interest rates and repayment information are for reference only. The final terms will be determined based on the customer's application information and personal credit records.
-
WELEND LIMITED reserves its absolute right to any loan approval decision and any disputes.
- Warning: You have to repay your loans. Don't pay any intermediaries.
- Customer Service/ Complaint Hotline: 3590 6396
- Money Lender's License: 0900/2025
Monthly repayment
HK$ HK$
2,525Total interest
$ 295APR
1.00 %Processing Fee
HK$ HK$
0Update your loan amount to at least HK$150,001 and loan tenure to at least 24 month to unlock exclusive gifts worth up to HK$2800.
1. Apply online
2. Upload documents
3. Instant approval
4. Verification and disbursement
- Enjoy Cash Reward up to HK$33,800 upon successfully draw down
- Accurately calculate the customer's income and repayment ability using A.I. and big data
- Income and address proof waiver when borrowing HK$300,000 or below
- A.I. fully automated loan with simplified loan process; from application, approval to disbursement, all done online.
- A.I. processes loan quickly, cash is transferred automatically and instantly once the loan is confirmed.
- Utilizing A.I. big data to calculate personalized quotations, ensuring the loan amount based on your needs.
- WeScore new credit indicator, assist you to restore long term financial health by using 400 million sets of data!
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$96,000
Required Documents
(1) HKID Card
(2) Mobile phone
(3) ATM card
Key Features
-
Parts of the cash rebate will be distributed by WeLab Bank, all cash rebate is subject to the terms & conditions.
- The above interest rates and repayment information are for reference only. The final terms will be determined based on the customer's application information and personal credit records.
- WELEND LIMITED reserves its absolute right on any loan approval decision and any disputes.
- Warning: You have to repay your loans. Don’t pay any intermediaries.
- Customer Service/ Complaint Hotline: 3590 6396
- Money Lender's License: 0900/2025
Total Interest
$ 292Total Repayment
HK$ HK$
30,292APR
1.00 %Processing Fee
HK$ HK$
0Update your loan amount to at least HK$150,001 and loan tenure to at least 24 month to unlock exclusive gifts worth up to HK$2800.
1. Apply online
2. Upload documents
3. Instant approval
4. Verification and disbursement
- Enjoy Cash Reward up to HK$33,800 upon successfully draw down
- Civil servants / professionals can enjoy interest rates as low as 1% APR.
- Loan amount of HK$500,000 or above can enjoy low interest rate as tax loans.
- A.I. processes loan quickly, cash is transferred automatically and instantly once the loan is confirmed.
- Utilizing A.I. big data to calculate personalized quotations, ensuring the loan amount based on your needs.
- WeScore new credit indicator, assist you to restore long term financial health by using 400 million sets of data!
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$96,000
Required Documents
- HKID Copy
- Disbursement account proof
- Residential address proof
- Commission Based Salary: Minimum recent 3 months of Income Proof
- Real Estate Industry: Minimum recent 6 months of Income Proof
Key Features
- 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.
- Parts of the cash rebate will be distributed by WeLab Bank, all cash rebate is subject to the terms & conditions.
- The above interest rates and repayment information are for reference only. The final terms will be determined based on the customer's application information and personal credit records.
- WELEND LIMITED reserves its absolute right on any loan approval decision and any disputes.
- Warning: You have to repay your loans. Don’t pay any intermediaries.
- Customer Service/ Complaint Hotline: 3590 6396
- Money Lender's License: 0900/2025
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