Have Questions About Your Personal Financing?
Our financing advisors are here to help you understand your options and find a solution that suits your needs.
Explore suitable personal financing options with FinStrategy Advisory.
We help you understand your financing needs and connect you with suitable banks and financial institutions based on your profile and requirements.
Whether you need funds for personal expenses, debt consolidation, or other financial needs, our advisors can guide you through the available options and application process.
Speak with our financing advisor today to explore your options.
Personal loans offer flexibility, allowing you to access funds for a variety of personal financial needs.
Renovation
Education
Wedding
Emergency Family Expenses
Credit Card Bills
Fund a Start-up
Your eligible loan amount depends on factors such as your annual income, existing financial commitments, credit profile and the lender’s assessment criteria.
Please refer to the table below for an indicative guide to the maximum personal loan amount you may qualify for based on your income.
| Annual Income | Banks | Licensed Moneylender |
|---|---|---|
| < S$20,000 | -- | Max S$3,000 |
| S$20,000 - S$30,000 |
-- | X6 |
| > S$30,000 | X2 | |
| > S$40,000 | X4 | |
| > S$120,000 | X8 |
Our financing advisors are here to help you understand your options and find a solution that suits your needs.
Personal loan tenures typically range from 1 to 5 years, depending on the lender and your eligibility.
Licensed Moneylender usually is up to 24 months.
The interest rate offered depends on the lender, loan amount, tenure and your financial and credit profile. Always review the Effective Interest Rate (EIR) and applicable fees when comparing financing options.
Personal instalment loans generally have a fixed interest rate over the agreed tenure, subject to the lender's terms and conditions.
Processing time varies depending on the lender, completeness of the required documents and the complexity of the application. For eligible applications with complete documentation, approval may be obtained within 24 hours, subject to the lender’s assessment and approval.
A formal credit application may result in a credit enquiry being recorded. Multiple applications within a short period may also be reflected in your credit report.
Understand your personal financing options before you apply.
Loan amount, interest rate and repayment tenure vary depending on your income, existing financial commitments, credit profile and the lender’s assessment criteria. Our financing advisors can help you understand the available options and guide you through the application process.
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