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  1. The provisions of the Money Lenders Ordinance (Cap.163 of Laws of Hong Kong) (the "Ordinance") summarised below are important for the protection of all the parties to a loan agreement, and should be read carefully.

  2. 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.

  3. The interest of Promise's personal loans is calculated on daily basis, which means if you have used the loan for one day, only one day of interest is required if you want to settle your loan earlier, you only need to pay the loan interest for the number of days you

    • Repayment Period
    • Interest Rate
    • Fee
    • Application Documents
    • Reward Program

    The length of your repayment period will affect your monthly payment. A longer repayment period means a lower monthly repayment amount, with less repayment pressure. However, it also means a higher total interest. Therefore, when applying for a loan you should evaluate your financial status and repayment ability in order to choose a suitable repaym...

    When borrowing money, it's better to choose a loan product with lower interest rate because a higher interest rate will increase the total cost of a loan. Before borrowing money, you should learn about different methods of interest calculation such as monthly flat-rate, day rate, etc. When you compare different loan products, you should also take t...

    Some financial institutions charge handling fees and administration fees when granting loans. When comparing loan products, you need to check if there are any hidden costs or interests which will eventually increase your loan cost. Promise has no hidden costs or handling fees attached to their product, so our clients will receive their loan in full...

    It is common that loan application requires documents including HKID card, proof of address, proof of income, etc. Some people may not be able to provide the required documents, which results in being rejected for a loan. Certain financial institutions have launched solutions that require no supporting documents to simplify the approval process and...

    To attract customers, financial institutions often offer promotions or rewards, mostly in the form of cash rewards, supermarket coupons, etc., which are typically on a "borrow more, earn more" basis. At Promise, we offer different promotions to both new customers and existing members. Customers who apply and withdraw loans successfully can enjoy re...

  4. Overview of Loan Product Information: The minimum and maximum repayment period is 3 months and 84 months respectively. According to the Money Lenders Ordinance, the maximum annual percentage rate is 48%. All examples and information of interest rate ...

  5. Promise's loans are calculated by daily interest, which means that you only need to pay one day of interest if you only use the loan for one day. How can I reduce my expenditure on interest? Leveraging the diminishing interest based on the deducting principal, you may lower your interest by increasing the repayment amount at anytime or even ...

  6. Any enquiries about revolving loans? Get revolving spare cash via the Promise Revolving Loan to meet your urgent financial needs. Apply online and get approved now.