Important Information
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Revolving Loan
Being a business owner or freelancer, you may face cash flow problems due to unpredictable revenue. 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.
Your Priority for Personal Loan
Promise, Best Choice for Revolving Loan
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Re-financing Loan Credit
Faster Payment System (FPS) Instant Transfer^Apply for a revolving loan without additional application procedures. You can withdraw approved credit anytime.
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Flexible Repayment
Repayment period varies from 3 to 84 months, with no handling fees and penalties for early repayment. Promise calculates interest daily, allowing you to save unnecessary expenses. Easy loan and easy pay!
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No Need to Show Up in Person*
Your application, loan agreement signing, and fund transfer will all be completed online.
Promise Revolutionises Your Loan Experience
Loan Plan of General Money Lenders
Re-application is required every time, while loan approval and fund transfer consume time.
Promise Revolving Loan
Approved credit can be withdrawn and re-financed anytime through website or 24-hour member hotline, without additional application.
Loan Plan of General Money Lenders
Require to visit a branch in person to pick up the loan in the form of a cheque during office hour.
Promise Revolving Loan
Loan is transferred to your bank account via Faster Payment System (FPS) anytime once approved^.
Loan Plan of General Money Lenders
Fixed monthly repayment amount which is normally higher than the minimum repayment amount of revolving loan, resulting in higher pressure to repay.
Promise Revolving Loan
Repayment period can vary up to 84 months. You can either pay the minimum repayment amount or adjust the repayment amount and period flexibly according to personal financial status, to ease the pressure.
Successful Cases
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❝PROMISE helped me clear my credit card payment at a low interest rate, so I could pay it off faster and save more!❞
Mr. Lam,
37 years old, designer
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❝With PROMISE revolving loan, I can get fund whenever I need and ensure more stable cash flow!❞
Mr. Wong,
30 years old, Online Shop Owner
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❝Flexibility is key in life. PROMISE's loans are applicable for university students as well, helping them get through times of hardship.❞
Mr. Leung,
20 years old, Tertiary Student
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❝I have compared personal loan solutions which offer express approval from several loan providers, and applying via PROMISE's online platform is definitely the simplest and most convenient!❞
Ms. Wong,
37 years old, Office Worker
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❝Even if I was out of budget, all the application procedures for Emergency Loan, including approval and signing contract can be done online, enabling me to quickly get cash in an emergency.❞
Rachel,
25 years old, Media Editor
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❝The PROMISE short-term loan was a great help to my daughter, it was approved speedy even with no income proof!❞
Mr. Chan,
54 years old, Self-employed
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❝PROMISE did not need me to show up in person for my loan application, even when I had no proof of income!❞
Mr. Tse,
31 years old, Private Badminton Coach
FAQ
No fixed monthly repayment amount or repayment period is set, which allows repaying only the monthly minimum balance, or you can choose to repay the full amount anytime. Credit limit will resume right after repayment, and available for withdrawal anytime without re-application, providing higher flexibility on both borrowing and repayments.
Revolving loan is flexible and well-suited for anyone, especially for people who is self-employed or the owner of small and medium business. Revolving loan gives you and your business an easy and flexible access to a revolving line of credit for your cash flow or working capital requirement. You can also apply for the revolving loan in advance as an aside funds for the unexpected.
- "Instant Money Transfer" applies to loans that are transferred via Faster Payment System (FPS), which subject to the system maintenance periods.
- "Apply Anywhere" is only applicable to customers who choose to sign the loan agreement online and fulfill the loan conditions of "signing loan agreement online". Customer can also choose to sign the loan agreement in any of our branches.
- For application, only HK ID card and mobile phone will be required for working people. If customers can only provide HK ID card and mobile phone, the maximum loan amount will be HK$100,000. A more ideal loan amount might be approved, if additional documents can be provided.
- "Instant Approval" is limited to online application which is a preliminary approval result. We reserve the right of final approval.
- The maximum loan amount for "Freelancer" will be HK$100,000.
Still thinking?
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