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  1. www.promise.com.hk › en › productNo-doc Loans for Self Employed Persons | Promise HK

    Promise provides self-employed people with low-interest personal loans, no income proof needed. In just a few simple steps, the cash will be available instantly without complicated process. Whether you are self-employed or an entrepreneur, applying for the Promise No-doc Loan will only require your ID card and mobile number.

  2. www.promise.com.hk › en › productBorrow Loans Even Without Income Proof | Promise HK

    Luckily, Promise self-employment loans concern the needs of individuals who are part-timers, do not have a fixed-employer, receive salaries in cash or are self-employed like me, and do not require us to submit any income supporting documents. All we needed is my ID card and mobile number to get our application approved instantly.

  3. www.promise.com.hk › en › knowledge-on-personal-loanUnemployment loan eligibility checklist | Promise HK

    The maximum loan amount is 9 times the average monthly income of the applicant before unemployed or jobless, with the limit of HK$100,000. The annual percentage rate is only 1%, with maximum repayment period extended from 6 years to 10 years.

  4. www.promise.com.hk › en › why-promiseAbout Promise | Promise HK

    Promise Information. About Promise Hong Kong. Inheriting professional knowledge and achieving customer service excellence. Promise (Hong Kong) Co., Ltd is a 100% wholly owned overseas subsidiary of SMBC Consumer Finance (hereinafter "SMBCCF"), one of the leading consumer finance institutions in Japan.

  5. www.promise.com.hk › en › knowledge-on-personal-loanIncrease the Chances of Loan Approval | Promise HK

    • Maintain A Good Credit Rating
    • Borrow The Right Amount
    • Reduce The Monthly Repayment Amount
    • Guaranteed Repayment Ability

    The success rate of personal loan approval holds a positive correlation to your credit rating. The higher the rating, the more likely your application will be approved. Financial institutions will determine your ability to fulfill your repayment responsibility based on your credit record, thus, maintaining a good credit record is crucial to get app...

    在「promise.com.hk」查看更多資訊

    While applying for a loan, you should opt for a reasonable amount based on your actual financial needs and repayment ability, rather than just going for the maximum. Financial institutions will have looser requirements when dealing with lower loan amounts.

    在「promise.com.hk」查看更多資訊

    If the loan amount is large and you choose a shorter repayment period, monthly repayment amount would rise accordingly. The lender may worry your ability to repay such a large amount each month and bear a risk of not receiving the full repayment on time. Therefore, extending the repayment period to adjust for an affordable repayment amount may lowe...

    在「promise.com.hk」查看更多資訊

    When lenders approve loans, they need to bear the risk of losing money if the borrower cannot repay. If the borrower does not own any collaterals or certifications, their repayment ability can be questioned, lessening the chance of loan approval. However, providing sufficient supporting documents to prove your repayment ability can boost lender con...

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  6. www.promise.com.hk › en › faqApply without Documents | FAQ | Promise HK

    If you have further questions, or you cannot find the answers here, please contact our customer service representative at 3199 1199 or click here to contact us. Get a loan online without documents, subject to your circumstances. Apply online and get approved anytime. Learn more now!

  7. www.promise.com.hk › en › apply-mini-loan-formOnline emergency loan application | Promise HK

    Promise Emergency mini-loan is designed to meet your urgent needs immediately! Simply fill in your personal information to apply. No income proof is required and your loan is tranferred immediately upon approval.