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  1. By following the 4 tips below, you can drastically increase your chance of get loan approval. 1. Maintain a good credit rating. 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.

  2. Financial institutions with a money lender's license number are regulated by the government, which protects the consumers. The personal loan plans of Promise offer annual percentage rates as low as 1.12% without a handling fee, which is flexible to the different needs of consumers.

  3. Promise's revolving loan scheme allows you to withdraw approved revolving loan amount at any time, with the ability to adjust the repayment period and amount, to solve your immediate cash flow needs conveniently and flexibly. See Loan Offers Calculate Your Loan Repayment.

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  4. Unemployment Loan. Eligibility. A Hong Kong permanent resident holding a Hong Kong identity card who is aged 18 or above. A Hong Kong permanent resident holding a Hong Kong identity card. Be unemployed at the time of loan application for at least 2 consecutive months (proof of unemployment is required) Application Period.