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Get matched with multiple pre-approved loan offers in minutes.
Choose personalised loan offer from multiple financial institutions, including no-show and non-TU loans, and get your loan as fast as 3 hours.
Our team of dedicated advisors have helped thousands of Hong Kongers make informed loan decisions.
We make borrowing simpler and cheaper without hurting your credit score, sharing your data, or charging you any fee.
We work with over 100 financial institutions regionally
Find out your monthly repayment in 2 steps.
Your monthly payment
$ 1,279.00
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Fill one simple application in as little as two minutes. Sit back and leave the rest to us.
Choose from multiple personalised loan offers you qualify for from financial institutions.
Once you’ve accepted an offer, receive your funds in as little as 3 hours.
They replied super fast even on a Sunday. They gave me a quote the same day and the money was in my account by Monday. Grateful!
Andy
I'm really thankful for the platform's help. They followed up with me every step of the way.
Ho Lam
Thank you to the Lendela platform, especially the kind help of the customer service, for helping me successfully obtain a loan.
Terence
Comprehensive platform, many offers, fast service, and great customer support attitude.
Jaco Chu
Thanks to the fast and efficient customer service. They patiently addressed my concerns and provided suitable advice and suggestions, allowing me to get my funds quickly.
Haitong Bai
Lendela was really helpful. I was matched with a financial company very quickly and successful got a loan. The customer service is very responsible and polite. Positive 👍👍👍
My Kwan
This platform is convenient and fast. From application to completion, it was all done in one afternoon, with a dedicated support person handling everything. Thanks to the customer support for being polite, professional, and efficient!
閃電球
Very good 👍 Process is very convenient, quick and helped me a great deal. Thank you to the customer support team for helping me 🙂
呀石仔
Super quick service, especially the customer support who patiently answered my questions and proactively followed up on the progress. Very helpful, highly recommend!
Oncheung Lai
The customer support was really helpful, proactively finding many offers for me to choose from. They were very polite throughout the process, and the approval was quick.
Cheuk Fu So
Convenient and fast process, customer support was easy to communicate with.
Tsz Hin Zheng
The matching process was really fast and genuinely helpful, customer service had a great attitude.
Yau Wing
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Unlimited checks — No impact on credit score
300,000+
Customers received free loan offers
1,300+
5 stars Google reviews
100+
Regional partners
Digitalisation of the loan journey: Annual demand for no-show loans have increased significantly.
Lendela’s proprietary loan matching technology matches borrowers with their personalised loan offers, enabling them to find their ideal loan in minutes.
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About Lendela
Free credit report
Loan matching
Choosing your offer
Lendela is Hong Kong's only personal loan matching platform. Our job is to help you get the best possible loan given your personal situation. By submitting a single loan application at lendela.com, you get access to personalised loan offers from multiple licensed financial institutions. We then help you compare the offers and support you throughout the process all the way to disbursement with the financial institution that you select. Our service is 100% free of charge, fully online and takes no more than a few minutes.
No, Lendela is not providing any loans itself. Instead, we are partnering with multiple financial institutions to make sure that our customers get access to offers from as many loan providers as possible.
The main difference between Lendela and a loan comparison service is that you receive personalised, pre-approved offers from financial institutions through the Lendela application. All the offers that are presented to you, are based on your unique application and personal situation. Furthermore, Lendela provides personal customer service throughout the loan application process. If you ever have any questions about the application process, loan offers or financial institutions, we are always just a call or WhatsApp message away.
Always. To us, your privacy and the protection of your data is extremely important. We never share any data related to you as an individual or your application unless it's essential in the process of getting you the best possible loan offer. All our financial institutions are also obligated by law to follow the privacy laws in Hong Kong.
Our job is to make sure that you find the best possible loan. When you accept an offer using our service, we get paid a small service fee from the financial institution. That is why our service is 100% free of charge for you as a customer. We work without any hidden fees or charges.
It is very simple. Click here to start your application.
The final loan approval is always subject to each loan provider's internal requirements, processes and eligibility criteria. Therefore, it is difficult to assess your eligibility for a final loan before you have applied using our application form. By partnering with multiple financial institutions, we increase your chances of getting a loan; if one financial institution declines your application, you still have a good chance of getting approved by others.Minimum requirements when applying with Lendela • 18 years or older• Living in Hong Kong• Minimum monthly income of $8,000If you have bad debts You can still apply with us as we partner with licensed financial institutions who might be able to help you. However, if you have outstanding debts with both banks and licensed moneylenders, your chances of obtaining a loan will be significantly reduced. We still encourage you to apply on our platform, as with Lendela, we can assure you that your application will always be carefully reviewed in order to better understand your financial situation and serve you.If you have existing loans We have helped many customers with existing loans, so you have come to the right place!
A good credit score in Hong Kong is generally considered to be a rating of A to C, based on the system used by the main credit bureau, TransUnion. This system rates credit scores on a scale from A (excellent) to J (very poor), with a corresponding numeric range from 1000 to 4000 points. To read more, read our article on credit scores.
Always pay bills and loan instalments on time.
Avoid applying for multiple credit products at once.
Keep your credit card balances low relative to your limits.
Check your credit report regularly to ensure there are no mistakes.
Contrary to popular belief, checking your own credit score has no impact on your credit. Not only does checking your own credit score never hurt, regularly checking your credit can be helpful when you're trying to improve your credit score.
Like every other credit facility, each loan application with a financial institution leaves a record on your credit report, sending a signal to banks that you might be a “financial risk”.Fortunately, Lendela’s model prevents this, and an application made through our platform does not affect your credit score. This is possible because the reverse auction model anonymises your personal information in your application while sharing your credit profile with financial institutions, circumventing the traditional credit check. Lendela is the only platform in Hong Kong and Asia Pacific that can do this.
Our platform anonymises your personal information in your application while sharing your credit profile with financial institutions, circumventing the traditional credit check. Lendela is the only platform in Hong Kong and Asia Pacific that can do this.
This depends on each loan provider's internal process. Although, once your application has been approved and you have accepted an offer, it normally takes as little as 3 hours to receive the funds.
Lendela will help you with that! We will send your loan application to multiple financial institutions, and by doing so, make sure that you get multiple offers to choose from. All you need to do is compare your offers and select the one with the lowest interest rate.
Definitely not. You are free to use our service as much as you want to match personal loan offers. There is no commitment tied to your application and you are free to decline all the offers presented to you. Go ahead and try us!
You will need to pay off the loan on a monthly basis to avoid any late fees. Most financial institutions do allow early repayment as well.
Our partnering loan providers are able to return with so-called pre-approved offers (also called in-principle-approved offers) to the applicant. For final approval, the financial institution has to perform a credit check and obtain supporting documents. The pre-approved offer is still a strong indicator of how the final offer will look. After the credit check is done and the documents are submitted, you always have the opportunity to negotiate the pre-approved offer to get a larger loan amount or better terms, or reject the offer altogether.