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No salary proof? You can still borrow! Self-employment loan? No problem!
As a freelancer or an entrepreneur, when you are in urgent need of some cash, are you unable to apply for a loan because you cannot provide salary proof? Cannot obtain cash quickly because of the time-consuming document verification process?
Promise provides self-employed people with low-interest personal loans, no income proof needed. In just a few simple steps, the cash will be available instantly without complicated process.
No Supporting Documents Required# Freelancer Loan◆
Whether you are self-employed or an entrepreneur, applying for the Promise No-doc Loan will only require your ID card and mobile number. Loan approval is fast, and borrowing money is easier than ever!
Online Instant Approval⦿ No Need to Show Up in Person*
Your loan application, agreement signing, and fund transfer can all be completed online with simple and quick procedures. Easier apply for a loan anywhere, anytime.
Faster Payment System (FPS) Instant Transfer^
Promise transfers funds instantly through FPS once your loan is approved!
Apply loan easily with 4 simple steps
Step 1
Step 2
Step 3
Step 4
❝PROMISE did not need me to show up in person for my loan application, even when I had no proof of income!❞
❝The PROMISE short-term loan was a great help to my daughter, it was approved speedy even with no income proof!❞
❝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.❞
❝PROMISE helped me clear my credit card payment at a low interest rate, so I could pay it off faster and
save more!❞
❝With PROMISE revolving loan, I can get fund whenever I need and ensure more stable cash flow!❞
❝Flexibility is key in life. PROMISE's loans are applicable for university students as well, helping them get through times of hardship.❞
❝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!❞
Applicants do not need to submit income proof when applying No-doc Loan, only HKID card and mobile number are required#. Therefore, the No-doc Loan is suitable for people without income proof such as part-timers, freelancers, slashers, entrepreneurs etc.
The loan application requires documents including HKID card and mobile phone number only#. With more supporting documents, such as address proof, proof of income or business registrations to prove your repayment ability, your chance of getting a higher loan amount will be increased.
You can apply No-doc Loan for Self-employed online with simply 4 steps:
Step 1 : Complete Promise personal loan online application form
Fill in the Promise personal loan online application form. No income proof is required, Only HKID card and mobile number are required#.
Step 2 : Online Instant Approval⦿
Promise will provide you a preliminary approval result based on the information submitted on the online application form.
Step 3 : Sign agreement in "邦民 Promise" Mobile App
Complete the identification verification and agreement signing process in "邦民 Promise" Mobile App as instructed.
Step 4 : Instant fund transfer^
Promise transfers funds instantly with FPS once your personal loan is approved.
Promise provides unsecured personal loans, which do not require any mortgage item or guarantor.
Repayment period of No-doc Loan for Self-employed varies from 3 to 84 months. Assuming a loan amount of HK$200,000, with monthly flat rate of 0.2% (annual percentage rate of 4.49%) and a repayment period of 36 months with no handling fee, the monthly repayment amount will be HK$5,940. All examples and information of interest rate are for reference only, and final approval is subject to actual circumstances of individual personal loan applicant. According to the Money Lenders Ordinance, the maximum annual percentage rate is 48%.
