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Personal financing, matched to your situation.

Pay off debts, renovate, cover medical bills or buy a car. We compare MAS licensed bank facilities first, then private options. If your credit grade is the obstacle, we tell you what is actually on your file and what can be done about it.

Chat on WhatsApp Estimate Repayments
2.65%Bank loans from, p.a.
60 moMaximum tenure
1 to 3 daysTypical approval speed
S$550kUpper approval range
What people borrow for
Pay off debts Home renovation Hospital bills Buy a car Wedding Education
How much you can borrow

MAS Balance to Income limits

Unsecured facilities are granted based on your credit goodwill, income and the MAS regulated Balance to Income (BTI) ratio. Under MAS guidelines, your ceiling works like this:

2× S$20,000 to S$29,999 annual income2× monthly income per bank · up to 12× across all banks
4× S$30,000 to S$119,999 annual income4× monthly income per bank · up to 12× across all banks
16× Above S$120,000 annual incomeUp to 16× monthly income per bank
Personal Solutions

Five ways we fund individuals

Each option suits a different situation. We'll tell you honestly which one fits yours.

Bank Personal Loans

From 2.65% p.a.

Unsecured facilities from MAS licensed banks, granted on your credit goodwill, income and MAS regulated Balance to Income ratio.

At a glance

  • Interest: 2.65% to 5.88% p.a.
  • Tenure: up to 60 months
  • Speed: 1 to 3 working days
  • Avg. approval: S$20,000 to S$550,000
  • Max limit: subject to income
Enquire About This

Credit Profile Improvement

A plan, not a promise

Nobody can delete an accurate record from your credit file, and anyone who tells you otherwise is selling you something that does not exist. What genuinely moves your grade is settling what is outstanding and then timing your next application properly. That we can plan with you.

At a glance

  • An unsettled default shows indefinitely
  • Once settled, it drops off 3 years later
  • Applications stay visible for 2 years
  • Checking your own report does not affect your score
  • Bankruptcy shows 5 years from discharge
Enquire About This

Private Lending

From 3.92% p.m.

For when timing matters more than tenure. Short term funding assessed on income rather than lengthy bank criteria.

At a glance

  • Rate: from 3.92% p.m.
  • Tenure: 4 to 12 months
  • Quantum: up to 6× monthly income
  • Useful when banks decline or timing is tight
Enquire About This

Renovation Loans

From 2.88% p.a.

Purpose built financing for home renovation at rates well below unsecured personal borrowing.

At a glance

  • Rate: from 2.88% p.a.
  • Tenure: up to 60 months
  • Quantum: up to S$30,000
  • Disbursed to your contractor
Enquire About This

Car Loans

From 2.7% p.a.

Taking over a car from a direct seller, or looking at S$0 drive away on a new purchase? Compare bank and in house hire purchase.

Banks

  • Deposit: 40%
  • From 2.69% p.a.
  • Subject to PARF eligibility
  • Speed: 1 to 3 working days
  • Avg. approval: S$50,000 to S$400,000

In House

  • Deposit: 0% to 30%
  • 3.20% to 4.80% p.a.
  • Subject to PARF eligibility
  • Speed: 1 to 2 working days
  • Avg. approval: S$15,000 to S$320,000

At a glance

  • Rate: from 2.7% p.a.
  • S$0 downpayment available
  • Bank and in house options
  • Subject to PARF eligibility
Enquire About This
Plan Ahead

How much do you want to borrow?

Set your amount and tenure to see an indicative instalment. Send the numbers over WhatsApp and we'll confirm what you actually qualify for.

I want to borrow
S$50,000
S$5,000S$500,000
Interest rate
2.65% p.a.
2.65%12%
Tenure
Rate shown is illustrative. Actual rate is based on your credit profile and lender.
Estimated monthly repaymentS$1,446
Total interest payableS$2,069
Total repaymentS$52,069
Get My Exact Quote
Estimate uses reducing balance amortisation. Actual offers vary by profile, lender and structure.
Common Questions

Personal financing questions

How much can I actually borrow?
For unsecured bank facilities, MAS Balance to Income rules set the ceiling. If you earn S$20,000 to S$29,999 a year it's 2× monthly income per bank (up to 12× across all banks); S$30,000 to S$119,999 is 4× per bank (up to 12× across all); above S$120,000 it can reach 16× monthly income per bank.
Can I use a personal loan for medical or hospital bills?
Yes. An unsecured personal loan can be used for medical costs, and because it's assessed on income rather than purpose, there's no restriction on how you apply the funds. It's usually far cheaper than putting large bills on a credit card.
What's the difference between a bank loan and private lending?
Bank loans are cheaper (from 2.65% p.a.) with longer tenures up to 60 months, but have stricter criteria. Private lending is priced per month rather than per year, runs 4 to 12 months, and is assessed more flexibly. It is built for situations where speed or eligibility rules out a bank.
My credit score is poor. Is it worth applying at all?
Apply blindly and each rejection leaves a mark that stays visible for two years. The better route is to look at your Credit Bureau Singapore report first and see what is actually dragging the grade down. Checking your own report is a self enquiry and does not affect your score, and it is free within 30 days of any bank approval or rejection. From there we work out what can realistically be improved and when to apply.
See all general questions

Not sure which option fits?

Send me your situation on WhatsApp and I'll tell you what you realistically qualify for, free and with no obligation.

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