Personal Instalment Loan

APR as low as 1.27%*. Our Loan Masters tailors 3 preliminary approval results for you!
Click HERE to read Key Facts Statement for Personal Loan

The number of our official WhatsApp account is +852 3898 6983#
Borrow smartly with our Personal Instalment Loan

Enjoy the ultimate flexibility and convenience for your loan.

Shorter application time

Shorten your loan application time and get your loan much quicker, without having to submit any income proof1!

Simple process

From start to finish, simply complete the whole process in WeLab Bank app! And we have amazing features and benefits not many loan Hong Kong has to offer.

Flexible amount

Loan amount up to HKD 1,500,000 or up to 18x monthly salary (whichever is lower) - it's a flexible loan Hong Kong needs.

Flexible repayment

Loan tenor options available every 3 months, starting from 6 to 60 months - it's a flexible loan Hong Kong needs.

Low daily interest

For a loan of HKD 500,000, the daily interest is about HKD 11 only2!

Enjoy up to HKD3,000 cash rebate^

Enjoy the offer whether you are a new joiner or our existing customer! You can enjoy up to HKD 3,000 cash rebate^!

Personalized repayment plan

Our Card Debt Consolidation Loan will tailor a personalized repayment plan according to your financial status. It helps you to centralize your card debts and loan balances and pay off the debts in one go with low interest rate!

Loan-Deposit-Link - Deposit with 3.75% Interest Rate

Earn interest rebate4 on your deposits! Enjoy great flexibility and lower interest costs. One rate, two ways!

Limited-Time Offer: HKD 800 for every successful loan referral**

During Campaign Period, you can get HKD 800** for each successful referral when a friend applies for WeLab Bank Personal Loan with successful drawdown. The more successful referrals you make, the more you earn!

Complete your application in as fast as 3 steps

Get your loan in 1 day at the earliest3 with HKD 0 handling fee!

Login our app

Click the "money bag💰" icon in WeLab Bank app, apply for your WeLab Bank Personal Loan and submit your supporting documents.


Review and accept your loan offer 🥈.


Get the money 💰 directly from your Core Account!
What’s more, you can enjoy 3.75% Interest Rate4 for your deposit with Loan-Deposit-Link as well!

Complete your application in as fast as 3 steps!

Get your loan in 1 day at the earliest3!
Lower rate, shorter wait!

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To borrow or not to borrow? Borrow only if you can repay!

Click HERE to read WeLab Bank Personal Loan Key Fact Statements.

*Assume the loan amount as HKD700,000 with tenor of 24 months, the APR will be 1.27% (inclusive of HKD3,000 cash rebate) or 1.68% (excluding cash rebate). 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 and may vary for individual customers. Customers should refer to their loan confirmation letters for the relevant information and such information shall prevail. The APR only applicable to designated loan amount and tenor and for reference only. The final approved interest will be subjected to the bank’s approval.
^From now on until 30 June 2024, successful WeLab Bank Card Debt Consolidation Loan applicants with an approved loan of minimum of HKD 1,000,000 amount and tenor of 36 months can enjoy up to HKD 13,888 cash rebate if the loan is drawn down within 7 days after approval; Successful WeLab Bank Personal Instalment Loan applicants with an approved loan of minimum of HKD 80,000 amount and tenor of 24 months can enjoy up to HKD 3,000 cash rebate if the loan is drawn down within 7 days after approval. The cash rebate amount will be credited into the Core Account on or before 31 October 2024. Please refer to terms and conditions for more details.
(1) We reserve the right to request customers to provide additional supporting documents for the loan application. The actual time for 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 assessment against normal lending criteria.
(2) Assuming that the customer successfully withdraws the above loan amount, selects a repayment period of 24 months and gets 1.68% annual percentage rate. After deducting the available HKD600 cash rebate, the estimated daily interest amount is HKD11. This figure is for reference only. The aforementioned annual interest rate and cash rebate amount may not necessarily be the current interest rate applicable to your WeLab Bank Personal Loan or the cash rebate amount you are entitled. The actual repayment interest depends on the credit score and the final approval status.
(3) The estimated period is calculated from the day the loan agreement is signed.  The actual approval period and the actual time the loan is disbursed may vary upon information provided by the applicants.
(4) The Promotion runs from 1 March 2024 to 30 June 2024. During the promotion period, starting from the date on which you have drawn down the loan and the subsequent 2 calendar months, your Core Account deposit (daily balance up to HKD500,000) are entitled to the savings cash rebate. The amount of the rebate is calculated on the basis of simple interest and based on the special interest rate (your prevailing Core Account interest rate and the special interest rate amount to 3.75% in total). The promotion is subject to a quota and is available on a first-come, first-served basis. Please visit Terms and Conditions for more details.

  • All WhatsApp official accounts will have a green tick next to the account name. You will also see this verification badge on the account profile in WhatsApp.
  • This phone number is used for WeLab Bank Personal Loan and for dissemination of messages to customers by us via WhatsApp only.
  • The conversation through WhatsApp can only be supported if it’s initiated by the Bank only and you may respond to us by then. We cannot support and reply to your message if the conversation is initiated by you.
  • We will not ask for your personal information or upload any document through WhatsApp. Please don't send us images, attachments, audio files or videos.
  • The monies, Hong Kong dollar and/or foreign currency, held in your Applicable Account qualify for protection under the Deposit Protection Scheme Ordinance (Chapter 581 of the Laws of Hong Kong) up to a total limit of Hong Kong $500,000.
  • Welab Bank Limited is a member of the Deposit Protection Scheme in Hong Kong. Eligible deposits taken by this Bank are protected by the Scheme up to a limit of HK$500,000 per depositor.
Want to know more about our offer terms?

Read terms and conditions of WeLab Bank Personal Loan/Loan-Deposit-Link/Personal Loan Cash Rebate for details.