中文
WeLab Bank Personal Instalment Loan (For Civil Servants and Professionals)
MoneySmart Exclusive
Need to use promo code 「NLSMRT」
Need to use promo code 「NLSMRT」

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

0.65%
APR as low as*
HK$203,840
Total Amount Payable
HK$3,840
Total Interest Payable

Apply through MoneySmart and redeem for any of these:

Product Carousel

MoneySmart Exclusive
Reward image

DeLonghi DDSX20 Tasciugo AriaDry Dehumidifier (value: HK$3,958)

Reward image

DeLonghi DDSX20 Tasciugo AriaDry Dehumidifier (value: HK$3,958)

MoneySmart Exclusive
Reward image

Sony WF-LS910N Linkbuds Fit (value:HK$1,699)

Reward image

Sony WF-LS910N Linkbuds Fit (value:HK$1,699)

MoneySmart Exclusive
Reward image

HK$6,000 Apple Store Gift Card

Reward image

HK$6,000 Apple Store Gift Card

MoneySmart Exclusive
Reward image

HK$6,000 Parknshop e-Voucher

Reward image

HK$6,000 Parknshop e-Voucher

MoneySmart Exclusive
Reward image

OSIM Invisible Massage Chair (value:HK$10,660)

Reward image

OSIM Invisible Massage Chair (value:HK$10,660)

MoneySmart Exclusive
Reward image

Dyson Purifier Big+Quiet Formaldehyde BP03 (value:HK$6,800)

Reward image

Dyson Purifier Big+Quiet Formaldehyde BP03 (value:HK$6,800)

MoneySmart Exclusive
Reward image

LG PuriCare™ AeroBooster (Pet Version) (value:HK$6,500)

Reward image

LG PuriCare™ AeroBooster (Pet Version) (value:HK$6,500)

MoneySmart Exclusive

【Low-Interest ⚠️ Use Promo Code「NLSMRT」and Get HK$1,300 Regardless of Approval 📈】
From now until 31 July 2026, successfully apply for a WeLab Bank Personal Instalment Loan via MoneySmart with promo code 「NLSMRT」to enjoy exclusive perks:
1️⃣ APR as low as 0.65%
2️⃣ Submit all required documents and receive HK$1,300 cash voucher regardless of approval
3️⃣ Total rewards of up to HK$30,848
⠀⠀
🤯 No need to borrow up to HK$500,000, loans of HK$283,000 or more can enjoy as low as 0.65% APR!

Valid till 31 Jul 2026

Reward Image

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 7 August 2026 via MoneySmart Dashboard

WHAT YOU NEED TO KNOW

  1. 【MoneySmart Exclusive】Get extra 13,000 SmartPoints once submitted all required documents !
    From 1 July until 31 July 2026, successfully submit an application for a WeLab Bank Instalment Loan with the below designated loan amount (not applicable for reborrow/top-up of the Loan) and minimum tenor of 24 months using the above designated unique code, submit all the required documents*, regardless of approval, can get extra:
    1. Any loan size : 5,000 SmartPoints - to fully redeem variety of vouchers equivalent to HK$500
    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$1,300 Rewards!
    ⠀⠀
    *All the required documents including but not limited to a copy of the Hong Kong ID, proof of address, and proof of income.

  2. 【MoneySmart Exclusive】Up to HK$10,660 Special Offer
    From 1 July until 31 July 2026, successfully approved 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 e-Voucher
    ・Loan Amount of HK$300,001 to HK$500,000, get a DeLonghi DDSX20 Tasciugo AriaDry Dehumidifier (value: HK$3,958)/ HK$2,000 Apple Store Gift Card / HK$2,000 PParknshop e-Voucher
    ・Loan Amount of HK$500,001 or above, get an OSIM Invisible Massage Chair (value:HK$10,660) / Dyson Purifier Big+Quiet Formaldehyde BP03 (value:HK$6,800)   / LG PuriCare™ AeroBooster (Pet Version) (value:HK$6,550)  / HK$6,000 Apple Store Gift Card / HK$6,000 Parknshop e-Voucher

  3. [WeLab Bank Offer up to HK$18,888 Reward]
    From 1 July until 31 July 2026, successfully approve and draw down WeLab Bank Personal Instalment Loan upon specific drawdown requirements can be entitled to up to HK$18,888 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$7,000 cash rebate
    - Loan Amount of HK$600,000 to HK$799,999 , get a HK$9,000 cash rebate
    - Loan Amount of HK$800,000 to HK$1,199,999 , get a HK$14,000 cash rebate
    - Loan Amount of HK$1,200,000 or above , get a HK$18,888 cash rebate

  5. Cash Rebate will be deposited to your core account before 31 October 2026.

  6. WeLab Bank Personal Loan / Promotion T&C for WeLab Bank Personal Loan

  7. 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.

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

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

T&CsFAQClaim Form

Loan Details

  • 【Upgraded Offer】Enjoy up to HK$29,287 rewards upon successful application and drawdown of specified loan amount
  • Loan amount up to HK$1,500,000 or up to 18x monthly salary (whichever is lower)
  • Civil Servants and Professionals can enjoy interest rates as low as 0.65% APR, including but not limited to civil servants, doctors, nurses, dentists, pharmacists, lawyers, accountants, engineers, actuaries, teachers, social workers, professionals with professional licenses or certifications, and any staff employed by public sector, Airport Authority and Hospital Authority. WeLab Bank Limited reserves the final right of interpretation on the above definition.
  • Smart Management in 1 App - Complete loan applications, approvals, and management in 1 app, truly simple and convenient!
  • Intelligent Financial Health Analysis - Free and unlimited access to credit score assessments. (Users must use WeLab Bank App and hold a valid WeLab Bank core account, and agree to the relevant terms and conditions each time.)
  • The above APR is applicable for designated loan product with loan amount as HKD 283,000 with tenor of 24 months, the APR will be 0.65% (including a cash rebate of HKD 3,000) or 1.68% (without any cash rebate) and total repayment amount will be HKD 287,924.20. The APR is calculated according to the guidelines issued in respect of the Code of Banking Practice and rounded to the nearest 2 decimal places. The APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualized rate. The final APR offered is subject to the applicant’s application information, personal credit record, and the final approval process.
  • ^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!

Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.