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Compare the Best WeLend Personal Loans Rates and APRs 2025

Compare WeLend personal loans in Hong Kong. Pick the best APR and apply through MoneySmart to get exclusive offers and cashback now! Read More
200,000 personal loan Paid over 24 months
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We found 7 WeLend Personal Loans for you!
Recommended
WeLend Personal Loan

Monthly Payment

HK$8,573
MoneySmart Exclusive

WeLend Personal Loan

The lowest APR*
1%
Total Amount Payable
HK$205,760
Total Interest Payable
HK$5,760
Monthly Payment
HK$8,573

August Exclusive － Total Rewards up to HK$35,998! ⭐️
From now until 31 August 2025, customers who successfully applied for WeLend Personal Loan / WeLend Civil Servant & Professional Loan via MoneySmart and submitted all the required documents can enjoy HK$1,000 Apple Store Gift Card🍎 (fulfilled by WeLend) -  regardless of approval!
Successfully apply and drawdown the loan with a designated amount can get MoneySmart Exclusive RO Water Server / Cordless Vacuum Cleaner; as well as Cash Rebate up to 🤑HK$32,000 from WeLend! Total rewards up to HK$35,998! 🎁

Valid until 31 Aug 2025 - See more details below
Apply Now
WeLend No Document Loan

Monthly Payment

HK$8,573
MoneySmart Exclusive

WeLend No Document Loan

The Lowest APR
1%
Total Amount Payable
HK$205,760
Total Interest Payable
HK$5,760
Monthly Payment
HK$8,573

On the fly - $200 Cash to your pocket✨
From 1 Aug until 31 Aug 2025, customers who successfully applied for a WeLend No Document Loan via MoneySmart  can enjoy HK$200 cash (automatically converted by 2,000 SmartPoints) directly deposited into your FPS account -  regardless of approval!

Valid until 31 Aug 2025 - See more details below
Apply NowApply directly on MoneySmart
WeLend Card Debt Consolidation Loan

Monthly Payment

HK$8,573
MoneySmart Exclusive
Promotion ends in 10h:3m

WeLend Card Debt Consolidation Loan

The lowest APR
1%
Total Amount Payable
HK$205,760
Total Interest Payable
HK$5,760
Monthly Payment
HK$8,573

August hot picks 🔥 －Draw down to get Switch 2 / Insta360 / Samsung Galaxy Z Flip 7!
From 1 August until 15 August 2025, customers who successfully applied for WeLend Card Debt Consolidation Loan via MoneySmart, can enjoy brand new rewards of － SAMSUNG Galaxy Z Flip 7 5G / HK$8,000 Apple Store Gift Card / PARKnSHOP supermarket voucher! Whats more : you can also earn WeLend Cash Rebate of up to HK$32,000
⠀⠀
On the fly － $200 Cash to your pocket✨
From 1 Aug until 31 Aug 2025, customers who successfully applied for a WeLend No Document Loan via MoneySmart  can enjoy HK$200 cash (automatically converted by 2,000 SmartPoints) directly deposited into your FPS account -  regardless of approval!
－total rewards up to HK$40,898!

Valid until 15 Aug 2025 - See more details below
Apply Now
WeLend Property Owner Loan

Monthly Payment

HK$8,573
MoneySmart Exclusive

WeLend Property Owner Loan

The lowest APR*
1%
Total Amount Payable
HK$205,760
Total Interest Payable
HK$5,760
Monthly Payment
HK$8,573

On the fly - $200 Cash to your pocket✨
From 1 Aug until 31 Aug 2025, customers who successfully applied for a WeLend Property Owner Loan via MoneySmart and submit all the required documents can enjoy HK$200 cash (automatically converted by 2,000 SmartPoints) directly deposited into your FPS account -  regardless of approval!

Valid until 31 Aug 2025 - See more details below
Apply Now
【MoneySmart Exclusive Product】WeLend Civil Servant & Professional Loan

Monthly Payment

HK$8,573
MoneySmart Exclusive

【MoneySmart Exclusive Product】WeLend Civil Servant & Professional Loan

The lowest APR
1%
Total Amount Payable
HK$205,760
Total Interest Payable
HK$5,760
Monthly Payment
HK$8,573

August Exclusive － Total Rewards up to HK$35,998! ⭐️
From now until 31 August 2025, customers who successfully applied for WeLend Personal Loan / WeLend Civil Servant & Professional Loan via MoneySmart and submitted all the required documents can enjoy HK$1,000 Apple Store Gift Card🍎 (fulfilled by WeLend) -  regardless of approval!
Successfully apply and drawdown the loan with a designated amount can get MoneySmart Exclusive RO Water Server / Cordless Vacuum Cleaner; as well as Cash Rebate up to 🤑HK$32,000 from WeLend! Total rewards up to HK$35,998! 🎁

Valid until 31 Aug 2025 - See more details below
Apply Now
WeLend Personal Loan (Available for tax season)

Monthly Payment

HK$8,573

WeLend Personal Loan (Available for tax season)

The lowest APR*
1.88%
Total Amount Payable
HK$205,760
Total Interest Payable
HK$5,760
Monthly Payment
HK$8,573
Read More
WeLend Business SME Loan

Monthly Payment

HK$9,220

WeLend Business SME Loan

APR
8.23%
Total Amount Payable
HK$216,944
Total Interest Payable
HK$17,282.88
Monthly Payment
HK$9,220
Read More

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.

WeLend Personal Loan in Hong Kong

WeLend is a licensed money lender in Hong Kong that launched in 2013. Unlike traditional banks and money lenders, WeLend is an online business that uses technology to make borrowing money faster and easier, with most of the personal loan process taking place online, offering competitive interest rates and other benefits to applicants.

Overview of WeLend Personal Loan Features

WeLend's key feature is its triple authentication system (verification codes, facial recognition, and AI document scanning) for quick identity verification. Applications are processed through their website, where AI analyzes applications and provides quotes within 24 hours - even without complete documentation. Once approved, contracts are signed online and funds are disbursed instantly through their 24-hour service.

Instant Online Automated Approval and Disbursement

WeLend personal loan service integrates AI technology, immediately analyzing the borrower's financial status upon application using big data analytics to generate credit assessment results. Combined with WeLend's pioneering “WeDefend” technology, it automatically evaluates risk levels, provides real-time online quotes, and offers instant approval with FPS transfers, shortening the approval process.

WeLend AI Technology Makes Applications Simple

During the loan application process, applicants can instantly consult the AI Chatbot "WeBot" with any questions. WeLend also employs AI 3D triple identity authentication: one-time verification codes, facial recognition, and AI document scanning, instantly verifying applicant identity and greatly reducing approval time.

Document-Free Application

Applying for WeLend's document-free loan only requires an ATM card and ID card, utilizing AI and big data processing for income-proof-free loan applications, eliminating the need to submit income proof and address proof throughout the process.

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Best WeLend Personal Loans

WeLend Personal Loan PlanFeatures APR
WeLend Personal LoanInstant approval and immediate cash deliveryas low as 1.38%
WeLend Card Debt Consolidation LoanTailored made plans for applicantsas low as 1.88%

How to Apply For WeLend Loan?

You can apply for WeLend Loan in 3 simple steps:

Step 1

Apply Anytime Anywhere Online

Find a suitable WeLend loan product that matches your financial needs. Complete the online application form and submit required documents—the entire process takes just minutes.

Step 2

Enjoy Instant Approval

WeLend provides instant approval for applicants who meet specific requirements. After approval, submit your supporting documents. A WeLend Loan Specialist will contact you to verify details and confirm the loan agreement.

Step 3

Identify Verification and Disbursement

After submitting any additional documents and confirming your identity, you'll receive a loan agreement for review and signature. Once approved and signed, funds are transferred via FPS to your designated bank account. Actual transfer times depend on your bank's service hours.

WeLend Loan Application Required Documents:

The following documents are required during the Welend Personal Loan application process for loan amount HK$100,000 or above:
  • HKID
  • Disbursement account proof
  • Proof of address
  • Income Proof
  • Fixed Salary : last 1 month
  • Commission based Salary: last 3 months
  • Real Estate Industry: last 6 months

WeLend Loan Fees & Charges

WeLend emphasizes transparency with no hidden charges or fees upfront. Their handling fee for each loan is incorporated into the APR calculation. For late repayments, WeLend does not charge interest penalties but does impose a HK$350 service fee per late payment and will notify you by email. You can repay your loan early without incurring fees by giving 30 days' notice through WhatsApp at 5285-9008 or email to acc@welend.hk.

WeLend Personal Loan FAQ

Are WeLend and WeLab related?

Yes. They are. WeLend is Hong Kong’s first online lending platform founded by Asia’s leading fintech group – WeLab.

How much WeLend can offer? What is the repayment period like?

WeLend provides loan amounts up to $600,000. It can be repaid between 14 days to as long as 60 months.

How long does it take for a WeLend personal loan to be approved and disbursed?

WeLend uses AI technology to provide instant loan approval decisions. However, processing times vary based on your requested loan amount, credit history, and submitted documentation. Once you sign the approved loan agreement, funds are transferred instantly to your bank account.

Can Hong Kong overseas workers apply for WeLend loan?

Only Hong Kong permanent resident who is at least 18 years of age with monthly income of at least HK$8,000 can apply for WeLend loan.

Who is eligible to apply for WeLend personal loan?

Applicant must be Hong Kong permanent resident who is at least 18 years of age and must fulfill below two requirements:

  • Stable employment: Employment at current job for at least 2 months
  • Repayment Ability: Monthly income of at least HK$8,000

What fees does WeLend charge for loan application?

With an aim of minimising any costs associated with loan application, WeLend does not charge any application fees. Also, WeLend does not impose any interest penalties on late repayment, but a HK$350 penalty fee will be applied.

What are the methods of repayments?

All customers are required to set up a Direct Debit Authorization, which automatically debits repayment from your designated bank account on the scheduled repayment day.

How can WeLend Personal Loan help my bad credit score?

WeLend Card Debt Consolidation Loan can clear your outstanding debt altogether. If your debt can be cleared faster, your credit rating will be improved accordingly.

How can I track my WeLend loan application status?

A WeLend account will be created for you when you apply for a personal loan online. Simply sign in to WeLend's website with that account or call CS Hotline at 3590-6396 to check your application progress.