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Get your free credit report instantly. Always stay one step ahead of your finances.
Unlimited checks — No impact on credit score
Your score is grouped into a band (A–J), giving you an instant read on both your credit standing and your borrowing profile’s readiness for major loans and mortgages.
We interpret your credit history, enquiries, and other issues, turning dense data into clear, personalised insights about what affects your score and what you can do to improve it.
Your report highlights early signs in your credit habits with clear charts, helping you act ahead and stay in control of your score.
Staying on top of your score gives you an advantage when it matters most.
Good credit comes from good habits. Checking regularly helps you stay on track.
Excellent to good
Recommended actions
Stay consistent with on-time repayments
Avoid too many simultaneous credit applications
Use Lendela’s free credit report to monitor your score and spot changes early
Fair to average
Improve repayment consistency
Limit new applications
Lower outstanding balances
Use Lendela’s free credit report to identify ways to improve your score
Needs attention
Settle any overdue accounts
Pause new credit applications for now
Reduce any outstanding balances
Use Lendela’s free credit report and follow the remedial steps to prevent further credit score deterioration
What impacts your credit score
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Payment history is a core component of your credit score. Timely payment, even the minimum due, signals stability and adds positive records to your credit file.
Your credit utilisation, or how much of your available credit you use, signals how stretched your finances are. Keeping it low, under 30%, suggests you’re managing your credit well.
A longer credit history reflects consistency and experience using credit. It looks at the length your credit accounts have been open and when they were last active.
Each time you apply directly to a lender for a loan, they’ll will conduct a hard enquiry on your credit report. A high number in a short period may signal financial stress. To avoid this, start with a free credit check here that doesn’t affect your credit score. Applying for a loan on Lendela with your credit report will provide you accurate pre-approved offers, all without triggering any credit enquiries.
96% of Hong Kong consumers know the importance of credit monitoring, but only 27% are checking it monthly — how to stay one step ahead of your finances?
Match with your lowest rate from top financial institutions in minutes.
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.
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 1,000 to 4,000 points.
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.
Since your credit report from Lendela is provided directly by TransUnion, any identified inaccuracies can be addressed by requesting an amendment from TransUnion or the relevant credit provider.
To keep track of your credit health, you should monitor your credit report monthly to check the accuracy of your credit history and public records. It is also advisable to monitor large transactions to maintain your credit utilisation ratio remains between 30% and 50%.
Because credit reports contain sensitive personal financial information, Lendela employs strict identity verification protocols. This critical step prevents identity theft and ensures that only you can access your report.
By using Lendela to access your free credit report, TransUnion will provide your consumer credit data, which includes (but is not limited to):
Your CreditVision score.
A credit summary (e.g., revolving and term loan details, credit card information).
Detailed credit account data.
Lendela will use this data to promptly provide you with:
Credit education and customized recommendations.
Personalized offers for products and services from Lendela and/or its business partners and affiliates.
Note: We will continue to use this data for the purposes stated above unless you choose to opt out or unsubscribe from these services.
To ensure a smooth identity verification process, please have the following three items ready. Rest assured, this process is a "soft enquiry" and will not impact your credit score.
Your HKID card.
A camera-enabled device for selfie verification. Please ensure your face is clearly visible and your eyes are fully uncovered.
A local Hong Kong mobile number capable of receiving SMS. You will use this number to receive a one-time verification code to finalize the access.