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WeLend AI Personal Loan (Tax Season Applicable)
MoneySmart Exclusive
AI Approval ✅
AI Approval ✅

WeLend AI Personal Loan (Tax Season Applicable)

WeLend Personal Loan doesn’t require Income Proof & Address Proof if the loan amount is under $300,000. The entire application process from application, approval to cash disbursement can be done online anytime anywhere. Applicants can upload support documents 24 hours a day. Upon receipt of the documents, A.I can provide instant credit assessment to speed up the application and cash disbursement process.
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$200,001 - HK$500,000 － Nautica Classic Voyage 28" Luggage (value: HK$1,999, colour randomly distributed)

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HK$200,001 - HK$500,000 － Nautica Classic Voyage 28" Luggage (value: HK$1,999, colour randomly distributed)

MoneySmart Exclusive
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HK500,001 or above－HK$5,000 Apple Store Gift Card

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HK500,001 or above－HK$5,000 Apple Store Gift Card

MoneySmart Exclusive
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HK500,001 or above－HK$5,000 Parknshop e-Voucher

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HK500,001 or above－HK$5,000 Parknshop e-Voucher

MoneySmart Exclusive
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HK500,001 or above－HK$4,000 Cash (automatically converted by 40,000 SmartPoints)

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HK500,001 or above－HK$4,000 Cash (automatically converted by 40,000 SmartPoints)

MoneySmart Exclusive
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Submit all the required documents (loan size HK$200,000) receive HK$1,600 cash (automatically converted by 16,000 SmartPoints)

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Submit all the required documents (loan size HK$200,000) receive HK$1,600 cash (automatically converted by 16,000 SmartPoints)

MoneySmart Exclusive

Limited-Time Offer ✨  HK$1,600 Application Bonus Regardless of Approval🚨
💰 HK$1,600 Cash Reward regardless of approval
⚡Up to HK$14,000 rewards upon loan amount of HK$300,001
💨 AI-Powered Ultra-Fast Processing – Get Cash Anytime, 24/7
⠀⠀
To borrow or not to borrow? Borrow only if you can repay!

Valid till 31 Oct 2026

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ARE YOU ELIGIBLE?

  • October Exclusive Sales⚡ Submit all documents & get HK$1,600 Cash Reward💰
    From 12 October - 31 October 2026, apply for WeLend Personal Loan or WeLend Civil Servants & Professionals Loan via MoneySmart, loan amount upon HK$200,001 and submit all required documents (including but not limited to a copy of the Hong Kong ID, proof of address, and proof of income), can receive HK$1,600 cash reward (automatically converted by SmartPoints).
    ⠀⠀

  • 【MoneySmart Exclusive 🎁－Drawdown to get up to HK$5,000 Rewards!】
    From 12 - 31 October 2026 (both dates inclusive), customers who have successfully applied WeLend Personal Loan or WeLend Civil Servants & Professionals Loan via MoneySmart
    ⠀⠀
    Drawn down within HK200,001 - HK$500,000, can receive:
    ・Nautica Classic Voyage 28" Luggage (value: HK$1,999) or
    ・HK$2,000 Parknshop e-Voucher or
    ・HK$1,500 cash (automatically converted by SmartPoints) 
    ⠀⠀
    Drawn down HK500,001 or above, can receive:
    ・HK$5,000 Apple Store Gift Card  or
    ・HK$5,000 Parknshop e-Voucher or
    ・HK$4,000 cash (automatically converted by SmartPoints) 
    ⠀⠀

  • 【WeLend Cash Rebate】Up to HK$30,000 Rewards
    The promotion is valid from 12 October - 31 October 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 24-month instalments, shall be eligible to receive the total Rewards of:
    ・Loan amount between HK$150,001 to $200,000: Enjoy HK$2,800
    ・Loan amount between HK$200,001 to $300,000: Enjoy HK$6,000
    ・Loan amount between HK$300,001 to $500,000: Enjoy HK$10,000
    ・Loan amount between HK$500,001 to $599,999: Enjoy HK$12,000
    ・Loan amount betweenHK$600,000 to $799,999: Enjoy HK$14,000
    ・Loan amount between HK$800,000 to $1,199,999: Enjoy HK$18,000
    ・Loan amount between HK$1,200,000 or above: Enjoy HK$30,000
    ⠀⠀

WHAT YOU NEED TO KNOW

  1. Eligible customers must complete and submit the claim form after logging in to MoneySmart on or before 7 November 2026, 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.

  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.

T&CsFAQClaim Form

Loan Details

Good For

Salaried employees who require instant cash for emergency expenses without submitting additional income proof. 
Freelancers needing seamless online loan approval to cover short-term financial gaps swiftly and efficiently.
Borrowers seeking immediate fund disbursement for debt consolidation, simplifying their monthly repayment obligations.

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, insurance company, 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.