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Welcome Offer for Rookie Loan Applicant Only!
Eligible New Customers Rewards of HK$500 Shopping Coupon▲

Earn a reward of HK$500 shopping coupon with promotion code SMART▲ Earn a reward of HK$500 shopping coupon with promotion code SMART▲

Eligible New Customers who apply loan with promotion code "SMART" and withdraw their loans from 1 July 2025 to 30 September 2025, will receive a reward of HK$500 Shopping Coupon▲.

With Promise, you can enjoy a quick and easy loan application process. Enjoy our loan services anytime, anywhere!

  1. Step 1 - Fill in the application Step 1 - Fill in the application

    Fill in the application

    Step 1

  2. Step 2 - Instant approval online Step 2 - Instant approval online

    Instant approval online⦿

    Step 2

  3. Step 3 - Sign agreement in mobile app Step 3 - Sign agreement in mobile app

    Sign agreement in mobile app

    Step 3

  4. Step 4 - Instant fund transfer! Step 4 - Instant fund transfer!

    Instant fund transfer^!

    Step 4

Your application, loan agreement signing, and fund transfer can all be completed online without visiting our branches*. All you need to do is provide your HKID card and mobile number only#. Applying for a loan is now hassle-free!

Additionally, Promise provides around-the-clock loan service, allowing you to enjoy online loan services late at night or on the weekends, with instant loan approval⦿ and sign agreement in our "邦民 Promise" Mobile App. The cash will be transferred to you in no time^! Even in urgent situations, you'll have a quick loan solution.

There is also a variety of flexible and timeless personal loans, giving you the options to choose the right loan and repayment plan to suit your personal needs. In addition, you can apply for a loan online and obtain instant initial approval to resolve your funds turnover needs immediately.

▲ Terms and Conditions of Welcome Offer :

Eligible New Customers who draw down their loans from 1 July 2025 to 30 September 2025, will earn a reward of HK$500 Shopping Coupon▲.

  1. Promotion Period is from 1 July 2025 to 30 September 2025 (both dates inclusive).
  2. This Welcome Offer is only applicable to Eligible New Customers who have successfully drawn down the loan within the Promotion Period in accordance with the Terms and Conditions herein.
  3. Customers must enter the promotion code "SMART" when they make the loan application online to be entitled for the reward. If customers apply by phone or through our branch, customers must provide us the promotion code "SMART" to be entitled for the reward.
  4. In respect of loan application, if the credit report of the customer contains credit records of "Unsecured personal installment loans", "Unsecured revolving loans" and/or "Restructured loans" (regardless of whether there is an outstanding loan balance), the customer is not entitled for the reward.
  5. Eligible New Customers will receive our reward redemption notification SMS within 30 business days after he/she draws down the loan.
  6. Eligible New Customers must redeem the reward from our Sha Tin Branch or Kwun Tong Hoi Yuen Road Branch in person after receiving abovementioned SMS.
  7. Eligible New Customers must redeem the reward before the expiry date, i.e. 31 December 2025.
  8. The customer's loan account with us must not be closed and must not show any overdue delayed payment at the time when the customer redeems the reward.
  9. All matters and disputes will be subject to the decision of Promise (Hong Kong) Co., Ltd. which decision shall be final and conclusive.
  10. Promise (Hong Kong) Co., Ltd. reserves its right to make the final decision on loan application approval and/or reward eligibility and to amend the above said Terms and Conditions at any time without prior notice.
  11. In case of discrepancy between the English and Chinese versions, the Chinese version shall prevail.
  • "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.
  • The annual percentage rate (APR) is subject to actual circumstances of individual personal loan applicant.

"24/7 loan approval" is only applicable to eligible customers with designated loan amount.


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