Well Done (HK) Finance Limited lends from Hillwood Road in Tsim Sha Tsui. Applying for a loan means handing over personal information, and that is normal. What is not normal is what some people are persuaded to hand over — banking credentials, original documents, a photograph of themselves holding an identity card.
This page draws the line in one table. Everything on the left is reasonable for us or any lender to request. Everything on the right should end the conversation, whoever is asking and however official they sound.
The left column is ordinary underwriting. The right column has no legitimate version — not for us, not for a bank, not for anyone who telephones you. The two columns are placed side by side because in practice they arrive in the same conversation.
Not "be careful". Stop, hang up, and do not send the thing being asked for. None of these has a legitimate version anywhere in this industry.
It will not be released, and there will be a second fee framed as the final one. Every money lender's advertisement in Hong Kong carries a warning about intermediaries because of exactly this. If money has already gone, report it to the police and do not send more attempting to recover it — that second payment is what the scheme is built to obtain.
A one-time passcode is the last thing standing between a stranger and your bank account. No lender, no bank, no officer of any authority needs it. The moment someone asks, the purpose of the call has been revealed — end it without discussion and contact your bank directly using the number on your card.
Nothing about assessing a loan requires it. That image is a near-complete kit for taking out credit in your name, and it circulates long after whoever asked for it has disappeared. If you have already sent one, watch your credit record closely and consider reporting it.
Assessed on documents you keep, with terms in writing before anything is signed.
A fixed sum over a fixed term with a written schedule. The last payment date is known on the day you sign it.
For small businesses in Kowloon and across the territory, sized against what the trade services in a quiet month.
Only where the total cost genuinely falls and the earlier accounts actually close. Otherwise it is an extra loan with a better name.
Secured on Hong Kong property. The asset is genuinely at risk if the arrangement fails, said here rather than in a late clause.
Because the people who lose money to fraud in this market are usually mid-application and already in the habit of sending documents. A borrower who knows where the line sits is harder to defraud by anyone, including us. Publishing it costs nothing and removes a great deal of ambiguity from a conversation that is stressful enough.
End the call and telephone the number published on this page yourself. Never dial a number given to you by the caller, and never continue on a messaging application because it is more convenient. We appoint no agents to approach borrowers, so anyone contacting you first about a loan from this company is not from this company.
Ask that question of every lender you approach, and expect a specific answer about what is retained, why, and for how long. You are entitled to know how your personal data is used, and a lender that becomes vague at this point has told you something useful.
Usually yes, and we will say so if you ask. Bank credit is generally cheaper. Money lenders earn their place where the amount is modest, the timing is short, or the application is sound but does not fit a bank's criteria. Anyone in this trade telling you never to approach a bank is protecting a margin rather than you.
It does the opposite. Credit reference data shows lenders your recent enquiries, and a cluster of applications in a short period reads as distress. Obtain your own credit report first, then apply deliberately to one or two.
Telephone before the due date rather than after. The options while an account is current are much wider, and going quiet is what turns one difficult month into a default. If any lender responds to arrears with threats or harassment, that is a matter for the police, whoever the money came from.
These are the only channels this company uses. No fee is ever payable to anyone before a loan is advanced.