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  1. All examples and information of interest rate are for reference only, and final approval is subject to actual circumstances of individual personal loan applicant: Loan Amount: HK$200,000 Interest Rate: Monthly flat rate of 0.2% (annual percentage rate of 4.49%) ...

  2. According to the Money Lenders Ordinance, the maximum annual percentage rate is 48%. All examples and information of interest rate are for reference only, and final approval is subject to actual circumstances of individual personal loan applicant: Loan Amount: HK$200,000. Interest Rate: Monthly flat rate of 0.2% (annual percentage rate of 4.49%)

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  4. www.promise.com.hk › en › faqFAQ | Promise HK

    All examples and information of interest rate are for reference only, and final approval is subject to actual circumstances of individual personal loan applicant: Loan Amount: HK$200,000 Interest Rate: Monthly flat rate of 0.2% (annual percentage rate of 4.49%) ...

    • 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...

    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.

    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...

    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...

  5. It is our pleasure to assist you! 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. Having technical troubles in managing your member accounts or applying for loans? Promise is here to help! Loan is transferred instantly upon approval!

  6. All examples and information of interest rate are for reference only, and final approval is subject to actual circumstances of individual personal loan applicant: Loan Amount: HK$200,000 Interest Rate: Monthly flat rate of 0.2% (annual percentage rate of 4.49%) ...

  7. All examples and information of interest rate are for reference only, and final approval is subject to actual circumstances of individual personal loan applicant: Loan Amount: HK$200,000 Interest Rate: Monthly flat rate of 0.2% (annual percentage rate of 4.49%) ...

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