Get the Best HK WeLab Personal Installment Loans Rates and Offers Today

Compare WeLab personal loans in Hong Kong. Pick the best APR and apply through MoneySmart to get exclusive offers and cashback now! Read More
100,000 personal loan Paid over 12 Months
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**【**MoneySmartExclusive Offer 】- get up to HK$3,000 supermarket vouchers

From now until 31 January 2022, new Welab bank customers enter referral code "NLSMRT" to successfully open an account and draw down the $700,000 loan could win you up to HK$6,200 rewards (Including $200 account opening spending rebate, $3,000 draw down cash rebate from WeLab Bank and HK$3,000 supermarket vouchers from MoneySmart)

Valid until 31 Jan 2022 - See more details below
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WeLab Loan

WeLab LoanAPRFeatures
GoFlexi Personal LoanAs low as 1.68%
  • APR as low as 1.68%
  • Personal loan rate is linked with deposit rate
  • The entire application process can be done online
  • No income proof required
  • Earn up to HK$ 3,000 cash rebate in the first month
  • Loan amount up to HK$1M or up to 15x monthly salary
  • Flexible loan tenor options, from 6 to 60 months

About WeLab Bank

Launched in Hong Kong in 2013, WeLab is a virtual bank which is authorised by the Monetary Authority of Hong Kong and it is backed by some of the world-renowned investors, including CK Hutchison's TOM Group, International Finance Corporation, Alibaba, Sequoia Capital, etc. Using the latest mobile technology, WeLab is committed to designing a digital-first and digital-only bank to make banking simpler.
WeLab operates without physical branches, which greatly reduces overhead costs. These savings pass back to customers in the form of better rates with more flexibility. It also leverages behavioral science and technology to manage your wealth.

Features of WeLab GoFlexi Personal Loan

Attractive APR

APR as low as 1.68% - even lower than tax loans offered by some traditional banks. E.g. Interest can be as low as HK$10/ day for borrowing HK$ 500,000

Personal loan rate is linked with deposit rate

After relieving your initial financial burden, you can deposit any remaining cash (max 50% of your loan) back into WeLab Bank to offset part of your interest.

Application can be done in just 3 steps

The entire application process, from applying to getting your loan can be done online in 3 simple steps.

Same-day disbursement

You can get your loan on the same day as your application, perfect for emergency

No income proof needed

No income proof required, perfect for applicants who cannot provide one

High cashback

Enjoy up to HK$ 3,000 cash rebate in the first month upon successful application.

Loan amount higher than loan companies

Compared to other loan companies, WeLab provides a relatively high loan amount, max HK$ 1,000,000 or 15X monthly salary

Flexi tenor options

You can choose from 6 to 60 months according to your own circumstance.

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Does WeLab approve loans easier?

Yes, the entire process can be done online in 3 steps, without submitting income proof. You can also get your loan on the same day.

How to apply for GoFlexi Loan?

Download the WeLab apps from either App Store or Google Play. Once you have the apps, please follow the 3 steps below:

Step 1

To apply, you need to click the "money bag💰" icon in the WeLab Bank app and submit the documents required.

Step 2

If your application is successful, please review and accept your loan offer if you decide to proceed

Step 3

Once you accept your offer, the funds will be paid into your bank account on the same day as your application.


How long does it take for WeLab to approve my loan application?

It usually takes 1-2 working days.

Does WeLab charge any handling fee for my loan application?

No, it doesn’t charge any handling fee. But there are some common fees associated with loans which may be applicable, such as early repayment charge (unpaid interest + 2% fee on the outstanding Loan principal being repaid and return of any applicable promotional offers) and late charge(HK$350).

Can I still apply for GoFlexi Loan without proof of income?

Yes. Applicants are not required to submit any income proof when applying for GoFlexi Loan.