Personal Loan


Personal loan for once-in-a-lifetime moments
Life is made up of once-in-a-lifetime moments that you will never forget. Imagine planning for your long-awaited once-in-a-lifetime wedding ceremony, only to draw yourself to the requirement of a huge deposit and payment for venue rentals, banquet caterers, wedding cake, florists and many more. You’ve set aside an estimated sum, but the total cost exceeded your budget by two-fold. However, you know that the returns from your once-in-a-lifetime wedding are priceless to you and your spouse.

Unlike purpose-specific loans for home renovation or to fund a property purchase, a personal loan can be used for virtually anything legal and approved. Essentially, it has to be a life-changing event that warrants the need to put ourselves in the debt obligated situation of securing a loan. In Singapore, university tuition fees amount to a shockingly high 5-figure sum, with permanent residents and international students forking up debt in return for knowledge investments. Money as a debilitating function exposes the advantages of those well-endowed families versus the less fortunate in Singapore’s meritocratic society. To tackle this flaw, personal loans acts as an opportunity provider for you or your child to embark on their final academic journey.

However, the lengthy approval process imposed by financial institutions’ scrutiny on official documents and long queues pose a problem for applicants. Perhaps, the loan amount is too exorbitant for financial institutions to simply discharge to an individual with an unsettling credit score. If you find yourself in need of quick cash flow from unforeseen scenarios, you can rely on our steadfast attitude to disseminate your sufficient money needs.

What is a Personal Loan?
A personal loan is a sum of money you borrow and pay back with interest over several years. Typically, a personal loan refers to money borrowed from financial institutions or licensed moneylenders that require repayment in instalments – which is inclusive of a sum of interest and principal over a period of time. Based on your discretion, you can select a loan tenure of between 1 and 5 years.

A personal loan is usually unsecured. It does not require the sum of money borrowed to be backed by collateral. This means that the lender cannot directly seize your assets in the event of a default. It gives you the ease of mind to borrow for your business start-up or emergencies.

Additionally, a personal loan can help you clear your debts and offers manageable instalment repayments at an attractive interest rate. What’s even better? You could save on interest charges by ensuring timely repayments or by paying off the loan early.

Why choose us?
We provide a fuss-free personal loan experience. You could loan up to 6 times of your monthly income, choose a comfortable loan tenure for your loan to be paid up as well as the frequency of instalments. You only need to provide proof of identification and annual income to apply for a personal loan with us, subject to approval.

Furthermore, the entire Personal Loan application can be completed online – without any face-to-face engagements or phone calls. It doesn’t stop here. The agreed funds will be discharged within 1 to 2 working days, to prevent delays or cancellation of your current financial obligations. Based on proven track-records, we have a high acceptance rate and at the same time, we offer an attractive interest rate for your personal loan.
With us, you can be guaranteed to borrow with ease.

Eligibility and Application
In Singapore, you need to be between 18 and 65 years of age to qualify and be eligible for a personal loan. Having satisfied this criterion, you will be requested to provide details of your annual income. In addition, you will need to provide the following to be approved:

  • Justification of Identity: NRIC or Employment Pass (EP) alongside with your passport.
  • Justification of Income: Your latest 12 month’ Central Provident Fund (CPF) contribution history statement or Income Tax Notice of Assessment.

Personal Loan process
Upon fulfilling the basic requirements above, please fill-up the loan application form which can be downloaded here. Shortly after, our staff will get in touch with you. In the meantime, you can check the status of your loan application through email.

Why Choose Us? (personal loan)
The usage for personal loan spans from one end to another. As long as the basic requirements are met, and the purpose of securing a personal loan is approved, it can be used for virtually anything important.
Let us scrutinise the available options and provide a detailed comparison to clear your age-long search.
Compare the best personal loan options here:


You can borrow up to 6 times of your monthly income.
For instance, if your monthly income is S$3,000, you will be entitled to apply for a loan amount of up to S$18000 , subjected to approval.

You need to be between 18 and 65 years of age and Singaporean or Permanent Resident of Singapore. Additionally, you will need to present documentations for proof of identity and income.

The funds will be transferred into your designated bank account (as provided in the personal loan application document).

We provide loan tenure options of between 1 to 5 years.

If the agreed instalment repayment is not paid by the due date, a late fee of S$60 will be charged.
For instance, if an instalment repayment point is on 1 August 20XX with no payment made after the mentioned date, a late fee will be charged immediately.

The interest rate offered to you is based on your loan amount and annual income earned (in other words, your credit score). Hence, there is a likelihood that the interest rate differs from the estimated rate advertised.

It includes your annual income, length of employment in the company that you are working with, bankruptcy or litigation information as well as the number of credit facilities.
Note: The above list is non-exhaustive