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  1. www.promise.com.hk › en › faqInterest & Handling Fee | FAQ | Promise HK

    We do not charge any handling fee, admission fee, membership fee, or any fee related to revolving loans, etc.

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

    Browse all the FAQs to find out about the loan application and approval process, handling fees, settlement, revolving loan, and repayment.

  3. www.promise.com.hk › en › productPay Off Accumulated Credit Card Debt with Consolidation Loan ...

    Promise debt consolidated loan may help you clear your credit card bills and the impact of late payment in one go with low interest rate, reducing interest amount and penalty fee. Promise debt consolidation loan repayment period up to 84 months, you can make

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

    • 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...

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    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...

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    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...

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    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...

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    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...

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  5. www.promise.com.hk › en › knowledge-on-personal-loanRepaying the Minimum on Credit Cards Only | Promise HK

    How to repay the credit card outstanding balance earlier to save interest fee? To ensure all your credit card bills are repaid, you can shift your different credit card bill payments to land on the same day to minimize the possibility of forgetting payment.

  6. www.promise.com.hk › en › knowledge-on-personal-loanMyths of Credit Card Instalment Plan Early Repayment | ...

    Making an early repayment of credit card instalment plan may not help you to save money, instead you may require to pay extra handling fees. Visit Promise website now for more details. Latest

  7. www.promise.com.hk › en › lenders-ordinanceProvisions of The Money Lenders Ordinance | Promise HK

    Section 19 provides that a money lender must, if requested in writing and on payment of the prescribed fee for expenses, give the original and a copy of a written statement of a borrower's current position under a loan agreement, including how much has been paid, how much is due or will be due, and the rate of interest.