Loan Approval in 60 Seconds Flexible Repayment

Trust Bank Instant Loan

Monthly repayment S$

Annual Interest Rate

EIR

% p.a.

Total repayment

2 Offers Available

SingSaver #YourBestInterest Lucky Draw

Get 2x chances to have your interest covered!

Valid until

02 June 2025

Get up to S$1,429 in cashback & rewards

Apple iPad Air M3 11" WiFi + Cellular 128GB (worth S$1429)

+ 9 other gift options

Valid until

01 June 2025

Gift Options

Loan Tenure From 36 month(s) and above + loan amount from S$20,000 and above

Get 2x chances to have your interest covered!

Gift Options

Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$50,000 and above

Apple iPad Air M3 11" WiFi + Cellular 128GB (worth S$1429); or
S$1,250 Cash via PayNow

Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$30,000 to S$49,999

Dyson V12 Detect Slim Fluffy (worth S$969); or
S$640 Cash via PayNow

Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$20,000 to S$29,999

Dyson Airstrait™ straightener (worth S$799); or
S$420 Cash via PayNow

Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$15,000 to S$19,999

Dyson AM07 Tower Fan (worth S$449); or
S$310 Cash via PayNow

Loan Tenure From 36 months to 60 months + loan amount from S$10,000 to S$14,999

S$180 Cash via PayNow

Loan Tenure From 36 months to 60 months + loan amount from S$8,000 to S$9,999

S$100 Cash via PayNow

產品條款 :

The information displayed above is for reference only. The actual rates offered to you will be based on your credit score and is subject to the provider’s approval.

Early repayment fee: S$ 15
Late repayment fee: S$ 100

流程步驟 :

1. Download the Trust App and navigate to the Instant Loan section

2. Fill out an application and submit all required documents

3. Wait for approval of personal loan

所需文件 :

1. NRIC (Front & Back)

2. Salaried employees: Latest month’s computerised payslip or latest 6 months’ CPF contribution history statement

3. Self-employed individuals: Last 2 years’ Income Tax Notice of Assessment

4. Commission-based earners: Latest 3 months payslip or latest 6 months' CPF contribution history statement

申請要求 :

Minimum Age: 21 years old

Min. Annual Income: S$ 30000

Citizenship: Singaporean, Permanent Resident, Foreigner

Standard Chartered CashOne Personal Loan

Monthly repayment S$

Annual Interest Rate

EIR

% p.a.

Total repayment

2 Offers Available

SingSaver #YourBestInterest Lucky Draw

Get 1x chance to have your interest covered!

Valid until

02 June 2025

Get up to S$1,299 in cashback & rewards

Apple iPhone 16 128GB (worth S$1,299)

+ 9 other gift options

Valid until

02 June 2025

Enjoy interest rates from as low as 1.9% p.a. (EIR: 3.63% p.a.) for longer tenures. Get instant loan approval and cash disbursement in as quick as 15 minutes to your designated bank account.
Enjoy a 5-year annual fee waiver on your Standard Chartered Platinum Visa credit card
Min. loan amount of S$1,000
Max. loan amount of up to 4X monthly salary, capped at S$250,000
Waiver of S$50 annual fee (from 2nd year till expiry of loan) if all instalments for the year are paid on or before the due dateMax. loan amount of up to 4X monthly salary, capped at S$250,000
Read our full review of the Standard Chartered CashOne Personal Loan
First year annual fee: S$199
Early repayment fee: S$150 or 3% of the outstanding principal, whichever is higher
Change of tenure: S$50 per change
Late payment fee: S$100

Gift Options

Loan Tenure From 36 month(s) and above + loan amount from S$20,000 and above

Get 1x chance to have your interest covered!

Gift Options

Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$50,000 and above

Apple iPhone 16 128GB (worth S$1,299); or
S$1,200 Cash via PayNow

Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$30,000 to S$49,999

Apple iPad (A16) 11" WiFi 256GB (worth S$649); or
S$610 Cash via PayNow

Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$20,000 to S$29,999

Apple Watch Series 10 GPS 42mm (worth S$599); or
S$410 Cash via PayNow

Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$15,000 to S$19,999

Dyson AM07 Tower Fan (worth S$449); or
S$310 Cash via PayNow

Loan Tenure From 36 months to 60 months + loan amount from S$10,000 to S$14,999

S$180 Cash via PayNow

Loan Tenure From 36 months to 60 months + loan amount from S$8,000 to S$9,999

S$120 Cash via PayNow

產品條款 :

The information displayed above is for reference only. The actual rates offered to you will be based on your credit score and is subject to the provider’s approval.

Early repayment fee: S$ 150
Late repayment fee: S$ 100

流程步驟 :

1. Go to Standard Chartered's website and click "Apply Now” button under Personal Loans

2. Fill out an application and submit all required documents

3. Wait for approval of personal loan from Standard Chartered

所需文件 :

1. NRIC (Front & Back)

2. Salaried employees: Latest month’s computerised payslip or latest 6 months’ CPF contribution history statement

3. Self-employed individuals: Last 2 years’ Income Tax Notice of Assessment

4. Commission-based earners: Latest 3 months payslip or latest 6 months' CPF contribution history statement

申請要求 :

Minimum Age: 22 years old

Min. Annual Income: S$ 30000

Citizenship: Singaporean, Permanent Resident, Foreigner

Instant Approval No Processing Fee S$1,000 Min Loan Lowest Interest Rate

UOB Personal Loan

Monthly repayment S$

Annual Interest Rate

EIR

% p.a.

Total repayment

2 Offers Available

SingSaver #YourBestInterest Lucky Draw

Get 1x chance to have your interest covered!

Valid until

02 June 2025

Get up to S$1,499 in cashback & rewards

Apple Macbook Air 256GB 13 inch (M4 chip) (worth S$1,499)

+ 9 other gift options

Valid until

02 June 2025

Gift Options

Loan Tenure From 36 month(s) and above + loan amount from S$20,000 and above

Get 1x chance to have your interest covered!

Gift Options

Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$50,000 and above

Apple Macbook Air 256GB 13 inch (M4 chip) (worth S$1,499); or
S$1,300 Cash via PayNow

Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$30,000 to S$49,999

Dyson Airstrait™ straightener (worth S$799); or
S$660 Cash via PayNow

Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$20,000 to S$29,999

Dyson Supersonic™ hair dryer (worth S$599); or
S$440 Cash via PayNow

Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$15,000 to S$19,999

Apple iPad (A16) 11" WiFi 128GB (worth S$499); or
S$330 Cash via PayNow

Loan Tenure From 36 months to 60 months + loan amount from S$10,000 to S$14,999

S$180 Cash via PayNow

Loan Tenure From 36 months to 60 months + loan amount from S$8,000 to S$9,999

S$120 Cash via PayNow

產品條款 :

The information displayed above is for reference only. The actual rates offered to you will be based on your credit score and is subject to the provider’s approval.

Early repayment fee: S$ 150 or 3% of the outstanding Approved Loan Amount, whichever is higher
Late repayment fee: S$ 100

流程步驟 :

1. Click “Apply Now” on UOB's website

2. Fill out the application and upload all necessary documents

3. Wait for an offer from UOB

Note: Get instant approval and cash disbursed into your UOB accounts for applications submitted between 8am and 9pm

所需文件 :

NRIC (Front & Back)
For salaried employees: Last 3 months’ computerised payslip; or Latest Income Tax Notice of Assessment with latest 1 month’s computerised payslip; or latest 6 months’ CPF statement (for Singaporeans or PRs)
For self-employed persons: Last 2 years’ Income Tax Notice of Assessment

申請要求 :

Minimum Age: 21 years old

Min. Annual Income: S$ 30000

Citizenship: Singaporean, Permanent Resident

Citi Quick Cash Program with Ready Credit

Monthly repayment S$

Annual Interest Rate

% p.a.

EIR

% p.a.

Total repayment

2 Offers Available

SingSaver #YourBestInterest Lucky Draw

Get 1x chance to have your interest covered!

Valid until

02 June 2025

SingSaver Exclusive Offer

S$200 Cash via PayNow

Valid until

02 June 2025

Gift Options

Loan Tenure From 36 month(s) and above + loan amount from S$20,000 and above

Get 1x chance to have your interest covered!

Gift Options

Loan Tenure From 12 months to 60 months + loan amount from s$ 8,000 and above

S$200 Cash via PayNow

產品條款 :

Citi Quick Cash loan is drawn on your available credit limit in respect of your Citibank Ready Credit account. You are required to have a Citibank Ready Credit account to be offered a Citi Quick Cash loan.

By clicking on 'Apply Now', you will be applying for a Citibank Ready Credit account and for a Citi Quick Cash loan on such account. Minimum annual income to apply: S$30,000 for Singaporeans/PRs, S$42,000 for foreigners

To find out more about Citibank Ready Credit account and its related fees and charges, please click here.

The instalments from this Program are billed to the Citibank Ready Credit (RC) account monthly similar to a normal retail purchase.

If you pay or had paid less than the total amount due indicated on your credit card current or previous monthly statements of account on or before the payment due date OR did not pay the full minimum payment amount within 30 days from the relevant payment due date indicated on the Citi Ready Credit account, the instalments will be subject to the usual finance charges (fees or APR interest).

Please note that this Program will take more than the scheduled term to pay off in full if only minimum amount due is less than minimum amount is paid on your RC.

流程步驟 :

1. Head to Citibank's website and apply via SingPass MyInfo or manually filling in a form

2. Submit the required documents

3. Wait for approval from Citibank

所需文件 :

1. A copy of your NRIC (front & back) or work permit (with minimum 6 months validity)

2. A copy of your utility bill, telephone bill, or bank statement with your name and address

3. Income Tax Notice of Assessment

4. Latest original computerised payslip

申請要求 :

Minimum Age: 21 years old

Min. Annual Income: S$ 30000 for Singaporeans and PRs. S$42,000 for foreigners

Citizenship:: Singaporean, Permanent Resident, Foreigner

📘 Glossary of Personal Loan Terms

expand_more

Term	What It Means
Principal	The original loan amount you borrow, excluding interest and fees.
Interest Rate	The percentage charged on the principal amount, usually quoted as an annual rate (p.a.).
Effective Interest Rate (EIR)	A more accurate reflection of the true cost of the loan, including processing fees and how the interest is calculated on a reducing balance.
Flat Interest Rate	Interest is calculated on the full loan amount for the entire tenure, not on the reducing balance. Usually results in higher overall cost.
Tenure	The duration over which you’ll repay the loan, typically ranging from 1 to 5 years.
Monthly Instalment	The fixed monthly payment that includes a portion of the principal and interest.
Total Debt Servicing Ratio (TDSR)	A regulation that limits your total monthly debt obligations to 55% of your gross monthly income.
Unsecured Loan	A loan that does not require collateral, such as a renovation or personal loan.
Processing Fee	A one-time administrative charge (typically 1–2%) deducted from the approved loan amount.
Disbursement	The release of loan funds to your bank account or directly to a vendor (e.g. contractor).
Early Repayment Fee	A fee charged if you repay the loan in full before the end of the agreed tenure.
Late Payment Fee	A penalty charged if you miss or delay a monthly instalment.
Credit Score	A rating based on your credit history that lenders use to assess your loan eligibility and risk.
Guarantor	A third party who agrees to repay the loan if the borrower defaults (rare for personal loans, more common in education loans).
Revolving Credit Facility (RCF)	Unlike a personal loan, an RCF lets you borrow repeatedly up to a set limit (e.g. credit card or credit line).
Debt Consolidation Plan (DCP)	A structured program that combines multiple high-interest debts into one manageable loan.
Letter of Offer	A formal loan approval document outlining the terms, conditions, and disbursement details.

How to Apply & What Are the Requirements?

expand_more

To apply, make sure you:

Are a Singapore citizen or PR, aged 21–65
Have a minimum annual income of S$20,000–30,000
Prepare your:
- NRIC
- Income proof (CPF/payslips)
- Proof of employment

How do personal loans work?

expand_more

A personal loan provides you with a lump sum of money that you repay with interest over a set period. You'll make regular monthly repayments until the loan is fully repaid.

How long does it take to get a personal loan?

expand_more

When it comes to how long it takes to get a personal loan, approval and disbursement time can vary between lenders. Some lenders offer same-day or next-day approval and disbursement, while others may take a few days to process your application. However, before taking on a loan, it is important to know if you’re eligible. Pre-qualify with SingSaver to save time and avoid applying for loans you’re unlikely to get.

Can foreigners get a loan in Singapore?

expand_more

Yes, foreigners can apply for personal loans in Singapore, but they may have to meet additional eligibility criteria, such as having a valid work pass and a minimum income.

How does a personal loan affect your credit score?

expand_more

Taking out a personal loan can affect your credit score in both positive and negative ways. Making timely repayments can improve your credit score, while late payments or defaulting on the loan can negatively impact your score.

Apply for a Loan, And "Your Interest is On us" + Get Gifts Worth Up to S$1,499!

Personal Loans, In #YourBestInterest

Trust Bank Instant Loan

2 Offers Available

Standard Chartered CashOne Personal Loan

2 Offers Available

UOB Personal Loan

2 Offers Available

Citi Quick Cash Program with Ready Credit

2 Offers Available

How Much Does An “Average” Education Cost? With Free Interest.

S$491 a month

Here’s What Higher Education Could Cost You

Apply Now and Stand A Chance to Win Your Free Interest — in 3 Easy Steps!

Step 1:

Step 2:

Step 3:

💬 Real Stories

Tuition Fees

— Nina, 22, Local Uni Student

Low-interest plan

— Isaac, 29, SkillsFuture Learner

Need help with personal loan for your education?

📘 Glossary of Personal Loan Terms

How to Apply & What Are the Requirements?

How do personal loans work?

How long does it take to get a personal loan?

Can foreigners get a loan in Singapore?

How does a personal loan affect your credit score?

💰申請即有禮，仲有機會贏HK$100,000！

Apply for a Loan, And "Your Interest is On us" + Get Gifts Worth Up to S$1,499!

Personal Loans, In #YourBestInterest

Trust Bank Instant Loan

2 Offers Available

Quick Facts

Standard Chartered CashOne Personal Loan

2 Offers Available

Quick Facts

UOB Personal Loan

2 Offers Available

Quick Facts

Citi Quick Cash Program with Ready Credit

2 Offers Available

Quick Facts

Quick Facts

How Much Does An “Average” Education Cost? With Free Interest.

S$491 a month

Here’s What Higher Education Could Cost You

Apply Now and Stand A Chance to Win Your Free Interest — in 3 Easy Steps!

Step 1:

Step 2:

Step 3:

💬 Real Stories

Tuition Fees

— Nina, 22, Local Uni Student

Low-interest plan

— Isaac, 29, SkillsFuture Learner

Need help with personal loan for your education?

📘 Glossary of Personal Loan Terms

How to Apply & What Are the Requirements?

How do personal loans work?

How long does it take to get a personal loan?

Can foreigners get a loan in Singapore?

How does a personal loan affect your credit score?

💰申請即有禮，仲有機會贏HK$100,000！