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1. www.promise.com.hk › en › productTertiary Student Loans | No Income Proof | Promise HK

   www.promise.com.hk › en › product

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   Tertiary Student Loan. Whether it is tuition, accommodation, daily study or living expenses, it is easy for students to lose track of their budgets and be in a real trouble. Promise can help! Our Tertiary Student Loan is specially designed for tertiary and university students in Hong Kong. You can easily take out loans at any time and deal with ...

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

   www.promise.com.hk › en › why-promise

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   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. Established as a licensed money lender in Hong Kong in 1992, Promise (Hong Kong) Co., Ltd inherits the experience of SMBCCF in credit management, operation management ...

3. www.promise.com.hk › en › knowledge-on-personal-loanPersonal Credit Rating for Dummies | Ways to Improve ...

   www.promise.com.hk › en › knowledge-on-personal-loan

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   If you would like to improve your Personal Credit Rating, please take note of below Five Key Points: Pay your bills on time. Do not apply too many credit cards/personal loans in a short period of time. Build up a positive credit Record. Do not rely on one credit card only. Regularly review personal spending habits.

4. www.promise.com.hk › enLow-interest Online Personal Loan | myPROMISE | Promise HK

   www.promise.com.hk › en

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   Low Interest Rates. Assuming a loan amount of HK$200,000, with monthly flat rate of 0.2% (annual percentage rate of 4.49%) and a repayment period of 36 months with no handling fee, the monthly repayment amount will be HK$5,940. All examples and information of interest rate are for reference only, and final approval is subject to actual ...

5. www.promise.com.hk › en › apply-formOnline personal loan application | Promise HK

   www.promise.com.hk › en › apply-form

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   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%)

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

   www.promise.com.hk › en › knowledge-on-personal-loan

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   Your credit rating, size of the loan and selected period of repayment affects the chances of approval. Choose wisely to get approved and a lower interest rate. 4 Tips to Increase Your Chance for Loan Approval If you are facing a major decision, such as studying ...

7. www.promise.com.hk › en › knowledge-on-personal-loan5 Factors to Consider when Borrowing | Promise HK

   www.promise.com.hk › en › knowledge-on-personal-loan

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   It is more cost-saving than products that calculate interest on a monthly rate basis. Promise also offers products with APR as low as 1.12%. You may also calculate the repayment amount and period using the loan calculator as a reference when you are considering the full cost of borrowing money. 3. Fee.