Personal Loan Finder

Apply Personal Loan in Singapore

Attractive repayment scheme up to 12 months!!!
Attractive repayment scheme
 up to 12 months!!!
+-Terms and conditions apply
+-Terms and conditions apply.

How to Apply for a Personal Loan

Staff posing

Personal loans are unsecured debts that usually involve smaller amounts of money, usually for personal use. After you have given much thought about it, and finally decided that you need to acquire a personal loan, then there are several options to consider. In this day and age, there are countless channels from which to acquire loans for personal use.

Be Ready

Remember that you’ll be borrowing a significant amount of money, and you must have some way of paying it all back eventually. The first thing you have to make sure is that you have a stable job, at least for the time it takes to pay the loan. You also need to have proof of identification and capacity to pay. Most moneylender companies prefer government issued IDs as these make you more identifiable in the grid. It also helps to have a high salary. Companies don’t have to think twice about your financial capacity, and loan approval takes only a few hours.


Lastly, make sure you provide means for the companies to easily contact you. They may call you from time to time to remind you of payment details, and to make an set a specific date for payment. Companies who’ve had a difficult time contacting you may mark you with a bad credit score. Always have your mobile phone on hand when you’re expecting them to give you a call.

Personal Loan Channels

There are several types of loan channels that you can access, provided you satisfy their requirements. Banks are a primary example. A Personal loan in Singapore is among the easiest types of loan to acquire from banks. Each bank differs in their requirements and rates. It is up to you to consider loans with requirements that you satisfy, and the amortization rates that you can afford. Disadvantages of banks are the ton of paperwork required, as well as the processing period and approval that may take some time, depending on the amount borrowed.

There are also companies that offer money lending services, and these are a great alternative to banks. This type of channel may require less paperwork, and sometimes offer much cheaper rates than banks do. There are also online channels that require simple registration. These channels evaluate your credit score using the power of social networks. The more contacts or followers one has that can vouch for him or her for a personal loan, the easier it will be for that person to have his loan approved. Lenders evaluate prospective borrowers with a simple click or tap of a button.

Payment Channels

Once you get approved by your loan provider, it is very important to take note of valid payment channels. Banks are the primary payment channels, so there’s little need to worry about how to pay them back. Smaller companies may have their own preferred payment channels. Some use banks, others use payment centers, and still others use mobile banking. Don’t hesitate to ask and clarify what your payment channel is. If there are multiple options, stick to the one that you find the most convenient.

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Looking for a Bank?

  • ANZ Bank
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  • CITI Bank
  • DBS Singapore
  • HSBS Singapore
  • MAY Bank
  • OCBC Bank Singapore
  • RHB Bank
  • Standard Chartered Bank
  • UOB Bank

What we do?


Andy Lim
2015-09-08, 06:31
This website helps me find the right moneylender i need. I'm able to get the personal loan in the affordable rates i can afford. Thanks
2015-09-03, 07:19
I have found this website from google. This website is really good...tons of informations
2015-09-02, 03:52
All in one place for loans in Sg


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