WeLend Personal Loan

WeLend is Hong Kong's pioneering licensed fintech lender, offering APRs from 3.99% for prime borrowers with fully automated online assessment. Approval decisions are rendered in under 15 minutes, and funds are disbursed within 2 hours via FPS. Loan amounts range from HK$10,000 to HK$800,000. WeLend uses proprietary credit scoring that incorporates bank transaction data (with consent), which means borrowers with thin credit files — new HK residents, freelancers — often qualify where banks decline. No processing fees apply.