Instant Personal Loan
PROMISE (Hong Kong) Limited
Intro
About this product
A personal loan from PROMISE (Hong Kong) Limited. Tenors run 3–84 months. The APR is 4.40%–25.60%. On fees, handling fee HK$0. On early repayment, Extra repayment is allowed during the repayment schedule; interest is calculated daily on the reducing balance, so early repayment saves part of the interest.
Fit
Who it suits
- Borrowers who prefer a longer tenor (up to 84 months)
- Strong-credit borrowers aiming for an APR as low as 4.40%
- Borrowers who want the handling fee waived
Key facts
Key facts
Cost
APR
4.40%–25.60%
Monthly flat rate
To be verified
handling fee HK$0 · Applying for the loan waives any extra loan handling fee; there are no other hidden charges in the loan process
Repayment
Tenor
3–84
Extra repayment is allowed during the repayment schedule; interest is calculated daily on the reducing balance, so early repayment saves part of the interest
The company charges no extra penalty interest or handling fee for extra instalments or early repayment
The page lists no advance-notice period required for early repayment
The page lists no exceptions
Amount
Loan amount
To be verified
Effective from
21 Sep 2026
Reminder: borrow only what you can repay, and never pay a middleman.
Source: PROMISE Personal Loan Last updated: Data follows the institution's official pages and is not investment or lending advice.