In celebration of the 30th anniversary of Promise, enjoy our limited time Welcome Offer! Eligible New Customers who withdraw their loans from 1 January 2023 to 31 March 2023, will receive a cash reward of up to HK$10,000 ▲.

1. Eligible New Customers are entitled to the corresponding reward after they have successfully drawn down the required loan amount in accordance with Terms & Conditions herein. Reward is shown below.
   

   First Drawdown Loan Amount (HK$)	Cash Reward (HK$)
   $550,001 or above	$10,000
   $500,001 - $550,000	$8,000
   $400,001 - $500,000	$5,000
   $300,001 - $400,000	$4,000
   $200,001 - $300,000	$3,000
   $100,001 - $200,000	$2,000
   $50,001 - $100,000	$1,000
   $10,000 - $50,000	$500

2. Promotion Period is from 1 January 2023 to 31 March 2023 (both dates inclusive).
3. This welcome offer does not apply to New Customers whose annual interest rate as stated in the loan agreement is 4.4% (i.e. monthly flat rate of 0.2%) or below.
4. This Welcome Offer is only applicable to Eligible New Customers.
5. To entitle the reward, Eligible New Customers must make the first installment payment as specified in the loan agreement.
6. If Eligible New Customers make extra payments or full payment before the first installment due date which have already been specified and scheduled in the loan agreement, his/her reward entitlement will hence be forfeited without prior notice.
7. In the event where Eligible New Customers revise the loan agreement before the first installment due date which have already been specified and scheduled in the loan agreement, Promise (Hong Kong) Co., Ltd. is entitled to determine his/her reward entitlement at its full discretion.
8. Eligible New Customers are entitled to redeem the reward if there is no delay payment on his/her own account.
9. Eligible New Customers must redeem the reward from any one of our branches in person.
10. Eligible New Customers must redeem the reward before the expiry date, i.e. 31 May 2023.
11. In case of disputes regarding the contents of this offer, the decision of Promise (Hong Kong) Co., Ltd. shall be final and conclusive.
12. Promise (Hong Kong) Co., Ltd. reserves its right to approve any loan applications and / or reward redemption and is entitled to revise the above said Terms and Conditions as it sees fit without prior notice.

"Instant Money Transfer" applies to loans that are transferred via Faster Payment System (FPS), which subject to the system maintenance periods.
"Approval on Sundays" is only applicable to loan application through Apply Online or New Applicant Hotline (3199 1199) during office hours on Sunday. Except public holidays.
"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.

Promise (Hong Kong) Co., Ltd is a wholly owned overseas subsidiary of SMBC Consumer Finance (hereinafter “SMBCCF”), one of the leading consumer finance institutions in Japan.

Established as a licensed money lender in Hong Kong in 1992, Promise (Hong Kong) Co., Ltd inherits the experience of SMBCCF in credit management, operation management and marketing management, providing convenient consumer finance, which have always been popular to local customers. We also take great pride in the training and development of our staff, as well as our comprehensive business network. Being one of the few personal loan providers who serve on Sundays, Promise is dedicated to providing flexible financing solutions for local citizens. Customers can now relieve their cash flow needs anytime and anywhere.

Moreover, we add values to our loan service with popular features such as daily interest and revolving loans.

Customers come first
Promise always puts customers at our first priority. Apart from providing tailor-made loan solutions to all clients, we strive to bring quality loan experience to the general public through delivering professional and reliable hotline, branch and online services. With our unwavering commitment to maintaining a high level of customer service, our skilled hotline servicing team has received the Mystery Caller Assessment Award - Gold Awards from Hong Kong Call Centre Association (HKCCA) for three consecutive years, from 2017 to 2019. To consistently optimize our customer experience, Promise has also appointed independent marketing research institutes to perform regular audits on our hotline and branch services. As indicated by the audit results, Promise has achieved a high level of customer service among the industry over the past years.