中文
WeLend Card Debt Consolidation Loan
MoneySmart Exclusive
24/7 Approval and Drawdown
24/7 Approval and Drawdown

WeLend Card Debt Consolidation Loan

WeLend Card Debt Consolidation Loan helps applicants consolidate all debts and you can reduce your interest, time, or monthly instalment amount according to your situation.
1%
The lowest APR
HK$205,760
Total Amount Payable
HK$5,760
Total Interest Payable

Apply through MoneySmart and redeem for any of these:

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MoneySmart Exclusive
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HK$6,000 Apple Store Gift Card

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HK$6,000 Apple Store Gift Card

MoneySmart Exclusive
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Insta360 X5 8K (Standard Bundle) (Value: HK$4,099)

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Insta360 X5 8K (Standard Bundle) (Value: HK$4,099)

MoneySmart Exclusive
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HK$4,000 Parknshop e-Voucher

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HK$4,000 Parknshop e-Voucher

MoneySmart Exclusive
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HK$3,000 Parknshop e-Voucher

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HK$3,000 Parknshop e-Voucher

MoneySmart Exclusive
Reward image

HK$6,000 Parknshop e-Voucher

Reward image

HK$6,000 Parknshop e-Voucher

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

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

MoneySmart Exclusive

Save Up to 90% on Interest and Boost Your Credit Score ✨ Plus, Earn Rewards Worth Up to HK$41,460
💰 MoneySmart Exclusive: Get HK$800 Cash—Whether Your Application Is Approved or Not!
🤩 Get three tailored repayment plans in one go. Whether you want to save more on interest, repay your debt faster or lower your monthly instalments, you decide how to clear your credit card balances.
🤖 The WeLend AI Credit Card Debt Calculator also helps you plan ahead with a step-by-step repayment strategy, so you can clear your debts more effectively and gradually improve your credit score.

Valid till 31 Aug 2026

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ARE YOU ELIGIBLE?

  • The promotion is valid from August 1, 2026 to August 31, 2026, both dates inclusive. Terms and Conditions apply.

  • Earn HK$800 Apple Store Gift Card once submitted all required documents !
    From now until 31 August 2026, customers who successfully applied for WeLend Card Debt Consolidation Loan via MoneySmart with loan size HK$200,001 or above, and submitted all the required documents*, can enjoy HK$800 Apple Store Gift Card - regardless of approval!
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    *All the required documents including but not limited to a copy of the Hong Kong ID, proof of address, and proof of income.
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  • 【MoneySmart Exclusive Offer】
    From now until 31 August 2026, applicants who successfully apply and drawdown with designated loan amount  via MoneySmart are entitled to the following offer:
    ・For loan amount HK$200,001 –HK$300,000, customer is eligible for HK$3,000 Apple Store Gift Card / HK$3,000 Parknshop e-Voucher;
    ・For loan amount HK$300,001 – HK$500,000, customer is eligible for Insta360 X5 8K (Standard Bundle) (Value: HK$4,099) / HK$4,000 Apple Store Gift Card / HK$4,000 Parknshop e-Voucher;
    ・For loan amount HK$500,000 or above, customer is eligible for a OSIM Invisible Massage Chair (value: HK$10,660)/ HK$6,000 Apple Store Gift Card / HK$6,000 Parknshop e-Voucher
    ⠀⠀

  • 【WeLend Cash Rebate】Up to HK$30,000 Rewards + 12% Additional Cash Rebate
    The promotion is valid from 1 August 2026 to 31 August 2026 (both dates inclusive). Selected customers who have successfully applied for and drawn down on a Personal Loan through designated online channels and a minimum loan tenor of twenty-four instalments, shall be eligible to receive the total Rewards of:
    ・Loan amount between HK$150,001 to $200,000: Enjoy HK$2,800 +12% = HK$3,136 cash rebate
    ・Loan amount between HK$200,001 to $300,000: Enjoy HK$6,000 +12% = HK$6,720 cash rebate
    ・Loan amount between HK$300,001 to $500,000: Enjoy HK$10,000 +12% = HK$11,200 cash rebate
    ・Loan amount between HK$500,001 to $599,999: Enjoy HK$12,000 +12% = HK$13,440 cash rebate
    ・Loan amount betweenHK$600,000 to $799,999: Enjoy HK$14,000 +12% = HK$15,680 cash rebate
    ・Loan amount between HK$800,000 to $1,199,999: Enjoy HK$18,000 +12% = HK$20,160 cash rebate
    ・Loan amount between HK$1,200,000 or above: Enjoy HK$30,000 +12% = HK$33,600 cash rebate
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WHAT YOU NEED TO KNOW

  1. Customers must submit the redemption form  after logging in to MoneySmart on or before 7 September 2026

  2. For the purposes of these Terms and Conditions, a “selected customer” means a customer who does not have any active loans with WELEND LIMITED (“WELEND”) at the time of making the loan application. 

  3. WeLend Cash Rebate subject to Terms and Conditions. Please visit WeLend.hk for more details.

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Loan Details

Good For

Salaried employees aiming to consolidate credit card debt, seeking immediate approval and tailored repayment plans.

Hong Kong residents needing instant fund disbursement for settling multiple unsettled debts across phases efficiently.

Budget-conscious borrowers looking to revitalise their credit scores through customised interest-saving repayment strategies.

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