Are you eligible?

• • WeLab Bank new / existing customer

  • ・Successfully draw down WeLab Bank Personal Instalment Loan using MoneySmart unique code "NLSMRT"
    ・Customers must submit the redemption form on or before 30 June, 2025 via MoneySmart Dashboard

What you need to know

1. 【Debtium Expellium – Cashus Fulfillium】
   From 12 May until 26 May, 2025, customers who successfully applied for a designated loan via MoneySmart with the required documents submitted, can enjoy HK$800 cash (automatically converted by 8,000 SmartPoints) directly deposited into your FPS account, regardless of approval. Successfully draw down loan amount of HK$200,001 or above, can earn extra HK$2,000 (automatically converted by 20,000 SmartPoints)
   ⠀⠀
   Eligible customers must complete and submit the redemption form after logging in to MoneySmart on or before 30 June 2025, along with the valid loan application reference number provided by the loan provider and the phone number that is linked to your bank account for receiving funds via FPS. The above offer is subject to Terms and Conditions, please click here for details.

2. 【MoneySmart Exclusive】Get extra HK$800 reward by submitting all required documents!
   Apply for WeLab bank Personal Loan, with amount between HK$500,001-HK$1,500,000, repayment tenor of 24 months or above, submit all required documents, regardless of approval, can get extra: 8,000 SmartPoints

3. 【MoneySmart Exclusive】Up to HK$7,180 !
   From 1 May until 31 May, 2025, successfully applied and draw down loan, for repayment tenor of 24 months or above, can get:
   ・Loan Amount of HK$200,001 to HK$300,000 , get a Sony WF-LS910N Linkbuds Fit (value:HK$1,699) / HK$1,000 Apple Store Gift Card / HK$1,000 PARKnSHOP supermarket vouchers
   ・Loan Amount of HK$300,001 to HK$500,000, get a De'Longhi (ECOV311) Icona Vintage Series Pump-driven Espresso Coffee Machine(value: HK$3,288)/ HK$2,000 Apple Store Gift Card / HK$2,000 PARKnSHOP supermarket vouchers
   ・Loan Amount of HK$500,001 to HK$599,999, get a Insta360 X3 (Standard Bundle) (value: HK$3,678) / HK$3,000 Apple Store Gift Card / HK$3,000 PARKnSHOP supermarket vouchers
   ・Loan Amount of HK$600,000 to HK$799,999 , get a LG PuriCare™ AeroFurniture (value: HK$4,380) / HK$4,000 Apple Store Gift Card / HK$4,000 PARKnSHOP supermarket vouchers
   ・Loan Amount of HK$800,000 to HK$1,199,999 , get a Apple 11-inch iPad Air Wi-Fi 256GB (value: HK$5,399) / HK$5,000 Apple Store Gift Card / HK$5,000 PARKnSHOP supermarket vouchers
   ・Loan Amount of HK$1,200,000 to HK$1,500,000 , get a SAMSUNG Galaxy Book4 (16GB, 512GB SSD) (value:HK$7,180) / HK$7,000 Apple Store Gift Card / HK$7,000 PARKnSHOP supermarket vouchers

4. [WeLab Bank Offer up to HK$23,888 Reward]
   From 1 May 2024 until 31 May 2024, successful WeLab Bank Personal Instalment Loan applicants fulfill specific drawdown requirements can be entitled to up to HK$23,888 rewards:

5. For repayment tenor of 24 months or above:
   - Loan Amount of HK$150,001 to HK$200,000, get a HK$1,000 cash rebate
   - Loan Amount of HK$200,001 to HK$300,000 , get a HK$3,000 cash rebate
   - Loan Amount of HK$300,001 to HK$500,000, get a HK$5,000 cash rebate
   - Loan Amount of HK$500,001 to HK$599,999, get a HK$14,000 cash rebate
   - Loan Amount of HK$600,000 to HK$799,999 , get a HK$16,000 cash rebate
   - Loan Amount of HK$800,000 to HK$1,199,999 , get a HK$18,000 cash rebate
   - Loan Amount of HK$1,200,000 or above , get a HK$23,888 cash rebate

6. Cash Rebate will be deposited to your core account before 31 October 2025.

7. Loan-Deposit-Link offer: Enjoy up to 5.0%* Saving Interest Rate, deposit interest can offset loan interest anytime. One rate, two ways!
   *The Promotion runs from 24 March 2025 to 30 Jun 2025. During the promotion period, starting from the date on which you have drawn down the loan and the subsequent 11 calendar months, your HKD Core Account deposit are entitled to the savings cash rebate. The amount of the rebate is calculated on the basis of simple interest and based on the special interest rate which can be as high as 5%. The promotion is subject to a quota and is available on a first-come, first-served basis. Please visit Terms and Conditions for more details.

8. Personal Loan Cash Rebate Offer Terms and Conditions, MoneySmart X WeLab Bank Debt Consolidation Loan Rewards Redemption Programme Terms & Condition

9. The final approved loan amount, interest rate and loan tenor are subject to the credit approval.

10. SmartPoints will be credited into your SmartPoints Wallet with a validity period of one year. T&Cs apply.

11. The above content and offer are subject to terms and conditions. Customers must meet specified requirements, and actual circumstances may vary depending on individual situations. For details, please refer to the relevant terms and conditions on the WeLab Bank official website.

12. To borrow or not to borrow? Borrow only if you can repay!