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Having credit card debt problems? Paying just the minimum repayment amount every month? Credit card debt interest is calculated by compound interest, it can become higher than the principal at any time. At this moment, loan with easy approval can help you out in the short term.
Promise low-interest debt consolidation loans help you out with a plan to clear all debts effectively, which allows you to consolidate your debts into one loan and clear your credit card bills in one go. With this loan, you'll be able to pay your credit card bills in advance at a lower monthly repayment amount and save on interest expenses.
No more waiting. Get approved online easily, and have the loan transferred through FPS. It is not a long slog to wipe out the card debt anymore.
Apply for the debt consolidation loan with simple procedures to get your urgent financial issues resolved any day of the week, without showing up.
Repayment period varies from 3 to 84 months. No handling fees and interest penalties for early repayment. We calculate interest on a daily basis, to save you unnecessary expenses. Settle your credit card debt with Promise easily approved loan!
Cut-off date and repayment date of credit cards from different issuers are different, you might easily miss a payment due date if you have multiple credit cards.
Through low-interest debt consolidation loan, you can repay all your accumulated credit card bills in one go, reducing interest amount, penalty fee and the impact of late payment.
Credit card bills calculation is based on compound interest, and the annual interest rate of overdraft may be as high as 30-40%.
Provides an annual percentage rate of 1.12% at the lowest with HK$0 handling fee, which helps you save on total interest expenses.
If you make a minimum payment every month, it can take years, even decade, to pay off the balance.
Can adjust the repayment period and monthly repayment amount flexibly, and you can make extra repayments which help you settle all debts earlier with no penalty fees and enable you to organise personal finance better.
❝PROMISE did not need me to show up in person for my loan application, even when I had no proof of income!❞
❝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!❞
❝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.❞
❝The PROMISE short-term loan was a great help to my daughter, it was approved speedy even with no income proof!❞
Debt consolidation loans are for when you are consolidating all your credit card debt and loan accounts from a bank or other financial institutions, merging all the debt into one single loan with a regular monthly repayment scheme. It can lessen the debt burden and avoid interest accumulation.
Aside from enabling applicants to focus on repayment, it also can save interest expenses. Debt consolidation loans normally may offer a higher loan amount with a lower interest rate for an easier repayment of credit card debt.
Credit card interest is mostly calculated by compound interest. If you only make the minimum repayment, interest charge grows along with the balance and you will be running on a debt treadmill while the repaid principal does not diminish at all. A debt consolidation loan allows you to avoid the minimum payment trap. It helps you pay off the credit card debt in one go with saving on the expenses and time.
After you apply for the debt consolidation loan, we would encourage you to cut up or cancel your credit cards to avoid accumulating debt or overdraft so you can wipe out the card debt completely. But of course, you can determine whether to keep your credit cards or not depending on your financial status.
