Whether you need a personal loan or want to consolidate your card debts while saving on interest, WeLab Bank offers a smarter way to enhance your financial intelligence while borrowing!
Personal Instalment Loan Offer
💰 From now until 31 March 2026, when you successfully apply and drawdown a Personal Instalment Loan, you can enjoy up to HKD 18,888 cash rebate1, and also enjoy:
- HKD 0 handling fee
- Flexible repayment period of up to 60 months
- No address proof and income proof needed2
Card Debt Consolidation Loan Offer
💳 From now until 31 March 2026, when you successfully apply and drawdown a Card Debt Consolidation Loan, you can enjoy up to HKD 23,888 cash rebate1, and also enjoy:
- HKD 0 handling fee
- Flexible repayment period of up to 72 months
- You can also apply for additional standby cash, with a loan amount up to HKD 1,500,000 or 25X monthly salary (whichever is lower)
Log in to the WeLab Bank App!
Complete the loan application in just 3 steps! Get approved instantly, with funds transferred on the same day³!
Learn More. Here are some commonly asked questions about this promotion.
How can I get the HKD 23,888 reward?
Loan customers who apply for Personal Loans on or before 31 March 2026, and successfully withdraw the loan within 7 days of approval, with a loan amount of HKD 150,001 or above and a loan tenor of 24 months or more, can receive up to HKD 23,888 cash rebate1.
When will I receive the cash rebate?
The cash rebate amount will be deposited into your core account on or before 31 July 2026.
Remarks:
To borrow or not to borrow? Borrow only if you can repay!
(1) From now on until 31 March 2026, successful WeLab Bank Personal Loan applicants with an approved loan of minimum of HKD 150,001 amount and tenor of 24 months can enjoy up to HKD 23,888 (for Debt Consolidation Loan applicants) and HKD18,888 (for Personal Instalment Loan applicants) cash rebate if the loan is drawn down within 7 days after approval; The cash rebate amount will be credited into the HKD Core Account on or before 31 July 2026. Please refer to terms and conditions for more details.
(2) We reserve the right to request customers to provide additional supporting documents for the loan application. The actual time for the loan approval and the loan disbursement may vary depending on the information provided by the customer and are subject to the credit assessment result. Any loan application is subject to assessment against normal lending criteria.
(3) The estimated period is calculated from the day the loan agreement is signed. The actual approval period and the actual loan disbursement time may vary upon information provided by the applicants.
(4) The annualized percentage rate (“APR”) ranges from 0.78% to 36.00% and loan amount ranges from HKD 10,000 to HKD 1,500,000 with repayment period of 6 to 60 months. Assume the loan amount as HKD 600,000 with tenor of 39 months, the APR will be 0.78% (including a cash rebate of HKD 9,000) or 1.68% (without any cash rebate) and total repayment amount will be HKD 616,818.60. 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.