Promise HK Personal Loan

Promise (承諾), operated by ORIX Asia Credit, is one of Hong Kong's most established licensed money lenders, offering loans from HK$1,000 to HK$1,500,000 at monthly flat rates of 0.2-1.45% (APR 4.8-34.8%). The key differentiator is approval without minimum income requirements and acceptance of part-time and self-employed applicants that banks routinely decline. Applicants receive a credit decision in 30 minutes with same-day disbursement via ATM pickup or bank transfer.