WeLend believes technology advancement can bring convenience to daily life. This is also the reason why WeLend upholds the value of enhancing A.I. system - by applying 400 million sets of data and background information of applicants over years, "WeScore Financial Health Evaluation" is the latest set of comprehensive financial health indicators developed recently, assisting you to restore your long term financial health.

What is

WeScore Financial Health Evaluation?

A.I. uses 400 million sets of data and background information* of applicants over years, with the help of each applicant's behavioural habits, the first-in-market "WeScore Financial Health Evaluation" is therefore more accurate as our A.I. system can optimize the financial rating result 24/7. It helps applicants genuinely based on respective financial situations. It takes only 3 steps to help you achieve 1 great leap on financial planning!

Know more about

WeScore Financial Health Evaluation

Data reflects the reality objectively. Using data collected throughout the years, WeLend A.I. has developed WeScore Rating, a new feature providing reliable financial healthiness indicators to all of our applicants. It allows applicants to understand their own financial health more comprehensively, plan for financial risks ahead and receive tailor made loan plans**.

WeLend A.I. keeps enhancing its system 24/7 and helps to eliminate manual judgement errors on the ratings. WeScore Rating will revolutionise the definition of FinTech, so it does not only apply to loans, but also applies to helping people foresee and prepare for long term good financial health.

Know more about the combination for WeScore Rating logo!

A.I. Calculation (Blue part)
WeLend A.I. can learn and optimize the system 24/7
Huge Database (orange part)
WeLend's 400 million data sets collected throughout years provides WeLend A.I. and its applicants with the foundation for WeScore Rating.
Whole logo
Through "WeScore Financial Health Evaluation", WeLend strives to serve you better and restore your financial health step by step until you achieve your financial goals.

What are the benefits of

"WeScore Financial Health Evaluation" to me?

The advent of "WeScore Financial Health Evaluation" by WeLend A.I., providing the followings to users:

Step 1

Real-time calculation of WeScore Rating

WeLend A.I. automatically calculate WeScore Rating, allowing you to understand your real time financial health status comparing WeScore Rating with people who are at the same age group as you do. You will understand more on the importance of the WeScore, as every financial decision and habit made can show impact on your WeScore result. Achieving high or low score in WeScore Rating will have direct relationship with your own life planning as well.

WeScore Rating
Meanings of indicators

GreenRelatively healthy financial status
YellowRooms for improvement
RedActions needed
Importance of financial healthiness

Whether you are financially healthy or not could be influential to your life. Once you are unable to handle it well, bad records can affect your entire life planning.

If handle your finance unwell, frequently seen problems are:

Searching for a job → When company runs background check, they may have hesitation on your financial situation
Loan → When you are looking are help from loan, a slower approval process and even refusal to lend money might be experienced
Immigration → Your background information is checked thoroughly in application process, and past records on your financial health will be considered as one main point
Buying car → If you would like to pay by instalments, having a bad record in financial profile might lead to unnecessary problems when buying cars
Buying property → Buying a property is one of the most important items in life planning, related financial institutions might have different approval results based on your past record on financial health

5 areas being affected:

If handle your finance unwell, frequently seen problems are:

Searching for a job → When company runs background check, they may have hesitation on your financial situation
Loan → When you are looking are help from loan, a slower approval process and even refusal to lend money might be experienced
Immigration → Your background information is checked thoroughly in application process, and past records on your financial health will be considered as one main point
Buying car → If you would like to pay by instalments, having a bad record in financial profile might lead to unnecessary problems when buying cars
Buying property → Buying a property is one of the most important items in life planning, related financial institutions might have different approval results based on your past record on financial health

Case comparison

Middle management, Income: 60K

Characteristics:

  • No saving habit
  • Paying Min Pay every month
  • A history of late repayment
  • Renting property

Your Score:

308
Your Score
Same Age Group's Average Score*

Case comparison

New Employee, Income: 18K

Characteristics:

  • Pay on time every month
  • Have habit on investment
  • Loan for capital growth
  • Have property under his name.

Your Score:

661
Same Age Group's Average Score*
Your Score

Case comparison

Middle management, Income: 60K

Characteristics:

  • No saving habit
  • Paying Min Pay every month
  • A history of late repayment
  • Renting property

Your Score:

308
Your Score
Same Age Group's Average Score*

Case comparison

New Employee, Income: 18K

Characteristics:

  • Pay on time every month
  • Have habit on investment
  • Loan for capital growth
  • Have property under his name.

Your Score:

661
Same Age Group's Average Score*
Your Score

The information provided above is for reference only.

TIPS

Through a good financial planning habit, your risk management skills can be improved - and your WeScore Rating can be enhanced as well!

Having a good rating on WeScore Rating, you are able to be offered with the following:

  • A.I. brand new loan experience, skipping unnecessary documents^. Getting cash on the day of applying^^.
  • Reasonable APR pricing
  • 24/7 Fully automated A.I. approval process #
  • Prepare for the worst, you are in charge of your own financial health
  • Restore to a better state of life planning. Achieve financial independence.

Knowing suggestions to keep your financial status healthy. Doing a great job in risk management. Keeping a healthy state of financial health.

Your wealth, investment or good quality of life won't be limited.

Your future is foreseeable!

*The financial healthiness score is independently developed by WELEND LIMITED using demographic data collected from customers in accordance with WELEND LIMITED's Privacy Policy and Personal Information Collection Statement.

**This suggestion is developed based on information provided by customers. WELEND LIMITED shall not be obliged to any responsibility in case of wrong, incorrect, incomplete or invalid information.

^Depending on actual situation, WELEND LIMITED reserves the right to request a customer to provide more documents for loan approval purpose.

^^The loan will be transferred via Faster Payment System (FPS) after the loan is approved and the loan agreement is signed. Actual transfer time is subject to each individual bank's transfer service hours.

#The customer must fulfil specific credit requirements to be eligible. Actual time may vary depending on each individual case.

  1. The content of this webpage is for information only and does not take into account any personal circumstances unknown to WELEND LIMITED. The recommendations do not constitute any offer, solicitation, recommendation, comment or any guarantee to the purchase or sale of any financial products or services.

  2. Before making any decision, you should consider your own financial situation, risk acceptance, ability to understand the nature and risks of the relevant product(s) and should undertake your own independent review and seek independent professional advice.

  3. WELEND LIMITED accepts no liability for any loss or damage arising directly or indirectly from actions taken or not taken in reliance on the content of this webpage.

  4. The financial healthiness score is independently developed by WELEND LIMITED using demographic data collected from customers in accordance with WELEND LIMITED's Privacy Policy and Personal Information Collection Statement. The financial healthiness score is not related to any score or grade provided by third parties, including credit reference agencies.

WELEND LIMITED


Money Lender's License: 0958 / 2023

The information displayed on this website is for reference only and updated from time to time as a result of frequent reviews by WELEND LIMITED. For more information on our operations, please contact us directly at cs@welend.hk


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