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WeLab Bank Personal Instalment Loan (For Civil Servants and Professionals)

WeLab Bank Personal Instalment Loan (For Civil Servants and Professionals)

WeLab Bank Personal Instalment Loan (For Civil Servants and Professionals)

WeLab Bank Personal Instalment Loan (For Civil Servants and Professionals)

Monthly PaymentHK$8,493
Apply Now
Back to all Personal Loan
1.68%
APR
HK$203,840
Total Amount Payable
HK$3,840
Total Interest Payable
MoneySmart Exclusive

【Upgraded Offer – up to $32,168 rewards】 Seize market opportunities💰Click in secure capital in 3 steps 
From 1 May until 30 May, apply for WeLab Bank Personal Instalment Loan via MoneySmart using promo code 「NLSMRT」to earn up to 🔥 HK$32,168 Rewards! －Apply with loan amount of HK$150,001 or above, submit all the required documents to get up to HK$1,100 Rewards! But thats not all! Successfully apply and drawdown a loan to earn cash rebate up to HK$23,888 offered by WeLab Bank and MoneySmart exclusive rewards up to HK$7,180 as well!

No need to borrow up to HK$1 million or above, loans of HK$500,000 or more can enjoy low interest rates as low as 1.68% APR. Even before tax season, you can still borrow at low interest rates!

Valid until 31 May 2025 - See more details below

Are you eligible?

    • WeLab Bank new/existing customer

    • ・Successfully draw down WeLab Bank Personal Instalment Loan (For Civil Servants and Professionals) 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. 【MoneySmart Exclusive】Get extra HK$1,100 once submitted all required documents !
    Apply for WeLab bank Personal Loan, with designated amount, repayment tenor of 24 months or above, submit all the required documents, regardless of approval, can get extra:
    1. HK$150,001 or above : 3,000 SmartPoints - to fully redeem variety of vouchers equivalent to HK$300
    2. HK$500,001 or above : extra 8,000 more SmartPoints - to fully redeem variety of vouchers equivalent to HK$800
    － Get total up to HK$1,100 Rewards!

  2. 【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

  3. [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:

  4. 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

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

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

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

T&Cs
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Monthly Payment
HK$8,493
Apply Now