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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
Get Your Loan Options →
* 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.

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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