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Compare the Best Promise Personal Loans Rates and APRs 2024

Compare Promise personal loans in Hong Kong. Pick the best APR and apply through MoneySmart to get exclusive offers and cashback now! Read More
200,000 personal loan Paid over 24 months
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We found 4 Promise Personal Loans for you!
Recommended
Promise Easy Loan

Monthly Payment

HK$8,433

MoneySmart Exclusive
Instant Approval Online◉

Promise Easy Loan

APR*
1.12%
Total Amount Payable
HK$202,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,433

【MoneySmart Exclusive】Drawdown of HK$10,000 or above, - get HK$1,100 + up to HK$15,000 CASH!
⠀⠀
From 1 Dec 2024 to 31 Dec 2024, successfully apply for Promise Easy Loan/Promise No-doc Loan/Promise Debt Consolidation Loan/Promise Personal Loan (Available for Tax Season) via MoneySmart, you can enjoy:
⠀⠀
1️⃣  Eligible New Customers who have completed a drawdown of HK$10,000 of above, are entitled to enjoy HK$1,100 cash rebate (automatically converted by 11,000 SmartPoints and will directly deposit into your FPS account)
⠀⠀
2️⃣  Eligible New Customers who have successfully drawn down the required loan
amount, are entitled to rewards up to HK$15,000 ▲ No Supporting Documents
Required#. Online Instant Approval⦿.
⠀⠀
Earn rewards worth up to HK$16,100 in total!

Valid until 31 Dec 2024 - See more details below
Apply Now
More Details
Promise No-doc Loan

Monthly Payment

HK$8,733

MoneySmart Exclusive
Instant Approval Online◉

Promise No-doc Loan

APR*
4.49%
Total Amount Payable
HK$209,600
Total Interest Payable
HK$9,600
Monthly Payment
HK$8,733

【MoneySmart Exclusive】Drawdown of HK$10,000 or above, - get HK$1,100 + up to HK$15,000 CASH!
⠀⠀
From 1 Dec 2024 to 31 Dec 2024, successfully apply for Promise Easy Loan/Promise No-doc Loan/Promise Debt Consolidation Loan/Promise Personal Loan (Available for Tax Season) via MoneySmart, you can enjoy:
⠀⠀
1️⃣  Eligible New Customers who have completed a drawdown of HK$10,000 of above, are entitled to enjoy HK$1,100 cash rebate (automatically converted by 11,000 SmartPoints and will directly deposit into your FPS account)
⠀⠀
2️⃣  Eligible New Customers who have successfully drawn down the required loan
amount, are entitled to rewards up to HK$15,000 ▲ No Supporting Documents
Required#. Online Instant Approval⦿.
⠀⠀
Earn rewards worth up to HK$16,100 in total!

Valid until 31 Dec 2024 - See more details below
Apply Now
More Details
Promise Debt Consolidation Loan

Monthly Payment

HK$8,433

MoneySmart Exclusive
Instant Approval Online◉

Promise Debt Consolidation Loan

APR*
1.12%
Total Amount Payable
HK$202,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,433

【MoneySmart Exclusive】Drawdown of HK$10,000 or above, - get HK$1,100 + up to HK$15,000 CASH!
⠀⠀
From 1 Dec 2024 to 31 Dec 2024, successfully apply for Promise Easy Loan/Promise No-doc Loan/Promise Debt Consolidation Loan/Promise Personal Loan (Available for Tax Season) via MoneySmart, you can enjoy:
⠀⠀
1️⃣  Eligible New Customers who have completed a drawdown of HK$10,000 of above, are entitled to enjoy HK$1,100 cash rebate (automatically converted by 11,000 SmartPoints and will directly deposit into your FPS account)
⠀⠀
2️⃣  Eligible New Customers who have successfully drawn down the required loan
amount, are entitled to rewards up to HK$15,000 ▲ No Supporting Documents
Required#. Online Instant Approval⦿.
⠀⠀
Earn rewards worth up to HK$16,100 in total!

Valid until 31 Dec 2024 - See more details below
Apply Now
More Details
Promise Personal Loan (Available for Tax Season)

Monthly Payment

HK$8,433

MoneySmart Exclusive
Instant Approval Online◉

Promise Personal Loan (Available for Tax Season)

APR*
1.12%
Total Amount Payable
HK$202,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,433

【MoneySmart Exclusive】Drawdown of HK$10,000 or above, - get HK$1,100 + up to HK$15,000 CASH!
⠀⠀
From 1 Dec 2024 to 31 Dec 2024, successfully apply for Promise Easy Loan/Promise No-doc Loan/Promise Debt Consolidation Loan/Promise Personal Loan (Available for Tax Season) via MoneySmart, you can enjoy:
⠀⠀
1️⃣  Eligible New Customers who have completed a drawdown of HK$10,000 of above, are entitled to enjoy HK$1,100 cash rebate (automatically converted by 11,000 SmartPoints and will directly deposit into your FPS account)
⠀⠀
2️⃣  Eligible New Customers who have successfully drawn down the required loan
amount, are entitled to rewards up to HK$15,000 ▲ No Supporting Documents
Required#. Online Instant Approval⦿.
⠀⠀
Earn rewards worth up to HK$16,100 in total!

Valid until 31 Dec 2024 - See more details below
Apply Now
More Details

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Promise Personal Loan 2021

Promise Personal LoanFeature APR
Promise Easy Loan Entire application can be completed online, and get instant transfer through FPS.4.49%

Why Promise Personal Loan?

As its name implies, getting Promise Easy Loan is made easy with more lenient requirements than most of the banks or other lending companies. There is no minimum income requirement but applicants need to be at least 18 years old Hong Kong permanent resident. The entire process can be done online, and the loan will be disbursed within 30 minutes once approved.

You can apply for a loan for up to HK$100,000 simply with your HKID and mobile number. You may be eligible to borrow more if you provide income and residential proof. Moreover, the repayment period is more flexible, from 3 months to 84 months, while the APR is between 4.49% to 59.26%, depending on your loan amount and profile. Applicants can make early repayment or repay more than agreed with no penalty, and the interest will be adjusted accordingly.

Promise Personal Loan Offers and Promotions

New customers can enjoy HK$3,500 cash reward if the loan amount reaches over HK$200,000. If you borrow HK$150,001 to HK$200,000, you can get HK$2000. For loan amount between HK$70,001 to $150,000, you can enjoy HK$1,000 cash rewards and for loan amount between HK$70,001 to $150,000, you can also get HK$500. Customers need to visit the branch in person to claim the rewards.

Promise Personal Loan Fee

You don’t have to pay for any handling fee for loan applications. However, if you fail to keep up with your monthly payment, you will be charged daily interest on the outstanding loan balance and HK$100 administration fee. You can repay extra funds or full funds than the agreed amount or time frame at any point with no additional charges or penalties.

Promise Personal Loan Hotline

Applicants can contact Promise customer service representative at 3199 1199 during office hours (Mon-Fri: 9:00am-7:00pm). Existing customers can call their 24-hour member hotline at 3199 1111.

FAQ

Can I apply for Promise personal loan without income proof?

While it's possible to get a loan without income proof, the loan amount will be capped at HK$100,000. If you would like to borrow more, income and residential proof are required.

What documents are required to apply for a personal loan?

You need to be at least 18 years old Hong Kong permanent resident in order to apply for a personal loan. You need to provide the following documents as well:

  • Hong Kong ID card
  • Bank statement or ATM card (with the name of the account holder and account number)
  • Residential proof
  • Proof of income
  • Working visa (for non-HK Permanent ID cardholder)

    • How is the interest rate calculated?

    Promise personalises interest rates ranging from 4.49% to 59.26%, depending on your profile.

    How long does it take for loan application?

    The entire process can be done online, and the loan will be disbursed within 30 minutes once approved.

    Can I increase my monthly repayment amount?

    Yes. You can repay extra funds or fully settle your loan earlier than the agreed time frame with no additional charges or penalties.