Instant Approval Online◉
Promise No-doc Loan offers flexible repayment period from 3 to 84 months with no handling fee or penalty. You will be charging interest on a daily basis. It offers more flexibility than other personal loans.
4.49%
APR*
HK$209,600
Total Amount Payable
HK$9,600
Total Interest Payable
MoneySmart Exclusive

【MoneySmart Exclusive】Drawdown of HK$10,000 or above to get rewards worth HK$2,100 (HK$1,600 cash + HK$500 supermarket voucher▲)!
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During promotional period, successfully apply for Promise Easy Loan/Promise No-doc Loan/Promise Debt Consolidation Loan via MoneySmart, you can enjoy:
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1️⃣  New Customers who have completed a drawdown of HK$10,000 of above, are entitled to enjoy HK$1,600 cash rebate (automatically converted by 16,000 SmartPoints and will directly deposit into your FPS account)
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2️⃣  Rookie loan applicants who have applied loan with promo code “SMART” and successfully drawn down the loan, are entitled to HK$500 supermarket voucher. No Supporting Documents Required#. Online Instant Approval⦿.
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Earn rewards worth up to HK$2,100 in total!

Valid until 31 Jul 2025 - See more details below

Are you eligible?

    • Only HK ID card and mobile phone will be required for application#

What you need to know

  1. 【MoneySmart Exclusive】
    -From 1 July 2025 to 31 July 2025 (both dates inclusive),  upon successful application and drawdown of the designated personal loan, you can enjoy 16,000 SmartPoints (SmartPoints will be automatically converted into HK$1,600 cash rebate and directly deposit into your FPS account.)
    -The Promotion Period is from 1 July 2025 to 31 July 2025 (both dates inclusive)
    -Customers must complete and submit the redemption form after logging in to  MoneySmart before 15 August 2025, along with the phone number you used to complete the application and the phone number that is linked to your bank account for receiving funds via FPS
    -Please note: if you have an AdBlocker present or are using incognito mode on your browser, MoneySmart and our bank partners will not be able to track your source of the application. Please ensure you turn off AdBlocker and exit incognito mode before applying

  2. 【New Promise Offer】
    From 1 July to 30 September 2025, rookie loan applicants who have applied loan with promo code “SMART” and successfully drawn down the loan, are entitled to HK$500 supermarket voucher.
    - New Customers must apply with promo code "SMART" and draw down the loan regardless of loan size during the promotion period.
    - In respect of loan application, the credit report of the new customer must not contain credit records of “Unsecured personal installment loans”, “Unsecured revolving loans” and/or “Restructured loans” (regardless of whether there is an outstanding loan balance).
    - Terms and Conditions apply, please visit website of Promise for details▲.

  3. Only HKID card and mobile phone will be required for working people, the maximum loan amount will be HK$100,000#

T&Cs
FAQ
Claim Form

Quick Facts

Best For

Applicants who needs immediate cash

Loan Approval Time

Instant preliminary approval

Loan Disbursement

Funds credited to the bank account instantly through FPS^

Guaranteed Interest Rate?

No, final interest rate will be affected by the applicant’s TU credit report and financial status.

Expert Tips

Promise No-doc Loan is best for applicants who needs immediate cash. To apply, you only need to fill in your identity and mobile phone numbers# online. The entire application process from application to cash disbursement can be done online+. You will be charging interest on a daily basis with no handling fee or early settlement fee, providing you with more flexibility.

All Details

Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Monthly Payment
HK$8,733