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Knowledge on Personal Loan. When you need personal loans to achieve your financial goals or meet your immediate cash needs, you actually need to know more about loans in order to make responsible financial decisions. Promise provides you with different types of loan knowledge before making any loan applications!
- 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...
PROMISE helped me clear my large amount of credit card payments at a low interest rate, so I could pay it off faster and save more! Mr. Lam 37 Years Old, Designer I own a small design firm. My company was ready for business, but I lacked the money for
If your account type is under "revolving", the credit would still be retained even if your loan is repaid. If you want to apply for a loan, you can click here to apply through the member zone or dial our 24-hour Member Hotline, 3199 1111 or visit any Promise branches.
The interest of Promise's loan is calculated on a daily basis, and the interest shall be reduced together with the principal. After the deduction of interest payable, the remaining amount of the payment will be treated as part of the outstanding principal repayment.
Promise Referral Program. Existing member who successfully refer a relative/ friend to apply and withdraw the loan by 30 June 2024, referrer will receive a cash reward of HK$1,000 . Get a Personal Loan anytime, anywhere you are. The application process is quick and easy. With access to the latest information, never miss out on the latest offers.
Promise offers a variety of loan products for different financial issues. You can apply online without showing up. Learn more and find the optimum plan now. Overview of Loan Product Information: The minimum and maximum repayment period is 3 months and 84
