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Rates shown are indicative and may vary by borrower profile and lender promotions.
Estimate your monthly payment
Adjust amount, tenure, and interest rate.
Loan amount
S$12,000
S$ 1,000S$ 200,000
Tenure (years)
years5
1 year5 years
Effective Interest Rate (EIR) p.a.
%3.2
1.0%20.0%
Your monthly payment
Estimated with 3.2% p.a. over 4 years
S$268
Total payable
S$ 12,864
Total interest
S$ 864
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* This calculator provides an estimate only and excludes fees, insurance, and promotional conditions.

Today's lowest personal rate

3.50%

p.a

Popular Tenure

2 - 5 years

Loan size

$5k - $50k+

Typical Approval

Within few days

Rates shown are indicative and may vary by borrower profile, vehicle age/valuation and lender criteria.

Top Personal Loan Offers

Indicative rates
Rates are indicative and may vary by borrower profile, vehicle details, and lender promotions.
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Loan Annual Interest Rate EIR
From 5.1%
EIR 2.1% p.a.
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From 4.5%
EIR 2.1% p.a.
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From 3.3%
EIR 2.1% p.a.
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From 3.2%
EIR 2.1% p.a.
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From 2.3%
EIR 2.1% p.a.
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From 1.2%
EIR 2.1% p.a.
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Who is eligible?

Quick self-check

You’re generally eligible if you:

  • Age requirements (lender-dependent)
  • Stable income (salaried or self-employed)
  • Acceptable credit standing
  • Can meet required downpayment
  • Manageable existing debts

What you’ll need

  • NRIC / FIN
  • Latest payslips or IRAS NOA
  • CPF contribution history
  • Option to Purchase / Sale & Purchase (for new purchase)
  • Existing loan statement (for refinancing)
Tip: Prepare documents early for faster processing.

Personal Loan FAQs

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