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    • 保持良好信貸評級。私人貸款成功率和信貸評級成正比,評分愈高,就愈容易成功獲批。財務機構會基於信貸紀錄,去斷定您履行還款責任的能力,所以維持良好信貸記錄是成功借貸的重要關鍵。
    • 只借適當的貸款額。申請貸款時,需要評估自己的實際財務需要及還款能力,決定合理的借貸額,應量力而為而無須「借到盡」。面對較低貨款額的申請時,財務機構的批核準則有可能會較為寬鬆。
    • 減低每月還款金額。當借貸金額大,而您選擇較短的還款期時,每月的還款金額亦會因而上升。貸款機構或會擔憂您每月能否如期清還這大額款項,否則它們可能需要承受未能準時收妥還款的風險。
    • 有保證的還款能力。貸款機構批出貸款時,其實需要承擔借貸人無力還款時損失金錢的風險。所以於無抵押和證明的情況下,如借貸人還款能力成疑,貸款就會較難獲批。
  1. Promise provides 24-hour quick and easy online loan services, allowing you to complete loan procedures anytime and anywhere. From application, to contract signing and fund transfer, the entire loan process can be completed on Promise's 24/7 online lending platform.

  2. 了解詳情. 會員優惠. 邦民「友著數」會員推薦計劃. 現有客戶成功推薦親友申請及於2024年6月30日或之前提取貸款,推薦人可獲獎現金港幣$1,000 。 了解詳情. 邦民myPROMISE. 最新影片. 《貸款無需現身,隨時隨地轉數快過數》 Let's GO,邦民全天候應援你! 貸款全程無需. 現身 * ,仲用轉數快極速過數 ^ ,現金瞬間到手! 新客戶獎現金高達HK$10,000 ! 電視廣告. 《邦民應援團放聲為你打氣》 Let's GO,邦民全力應援你! 無論面對任何困境,邦民沿路為你集氣打拼,成就每個my PROMISE,助你輕鬆跨越難關! 電視廣告. 《無需證明文件,現金即到手》 Let's GO,邦民全方位應援你!

  3. 重要資訊. 本公司近日接獲報告,涉嫌有騙徒冒認本公司代表/員工,向客戶要求還款。 請 按此 瀏覽詳情。 常見問題. 循環貸款. 常見問題 - 循環貸款. 若貸款全數清還後,需要再度貸款,是否需要再次申請? 怎樣辦理? 怎樣才可提高循環貸款上限? 若透過24小時會員專線⁄本網站之會員專區辦理循環貸款後,如何知道自己的還款期數? 立即了解邦民的循環貸款計劃. 申請有任何疑問? 技術支援. 申請貸款. 借款人資格及文件要求. 利息及手續費. 貸款審批及過數. 還款. 登入「簽署貸款合約專區」 登入/管理會員帳戶. 技術支援. 我們樂意為您提供協助! 如您有進一步疑問,或未能在此找到相應解答, 請致電客戶服務熱線 3199 1199 查詢或 按此 聯絡我們。 對循環貸款有疑問?

  4. Applying for Promise loan online is quick and convenient. You can test your loan eligibility by filling in simple personal information only. The loan is transferred immediately upon approval! Get your urgent financial needs resolved now.

  5. Need emergency financial support ? 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.

  6. Promise low-interest debt consolidation loans help you out with a plan to clear all debts effectively, which allows you to consolidate your debts into one loan and clear your credit card bills in one go. With this loan, you'll be able to pay your credit card bills in advance at a lower monthly repayment amount and save on interest expenses.