Apply for a Loan, Say "YES" to Interest Free + Get Gifts Worth Up to S$1,749!*

*You will receive only one of the listed gifts + chance to win free interest.
Personal Loans, In #YourBestInterest
3 winners weekly + Get a S$10 Shopee Voucher with every eligible application. T&Cs apply.
Trust Bank Instant Loan
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2 Offers Available


Valid until
16 June 2025


+ 9 other gift options
Valid until
10 June 2025
- LOWEST Interest Rates in the Market from 2.22% p.a. (EIR 4.22%* p.a.) with no processing or hidden fees (until 30 Nov 2024).
- Flexible repayments. Choose your desired personal loan amount and tenure. Repay with fixed instalments over 3 to 60 months.
- Fast approval in 60 seconds.
- *EIR calculated based on loan amount of S$90,000 and tenure of 60 months from 1 Jan 2024. Maximum EIR may be up to 22.34% p.a. based on your personal credit profile.
- Deposit Insurance Scheme: SGD deposits of non-bank depositors are insured by the SDIC, for up to S$100,000 in aggregate per depositor per Scheme member by law.
- Min. age requirement: 21 years old
- Minimum annual income of S$30,000 for Singaporean citizen or PR or S$60,000 for foreigners with valid work pass
Gift Options
Loan Tenure From 36 month(s) and above 60 month(s) and above + loan amount from S$20,000 and above
- SingSaver #YourBestInterest Lucky Draw promotion runs from 13 May 2025, 3PM SGT to 16 June 2025.
- Promotion is valid for new and existing Trust Bank personal loan customers.
- Apply for a Trust Bank personal loan with min. amount of S$20,000 and min. tenure of 3 years to receive 2x Lucky Draw Chances.
- Lucky Draw winners will receive a reward based on their chosen reward package and approved loan amount:
- Renovation Package:
- (S$20,000 – S$29,999): S$1,000 Cash + S$1,000 IKEA Vouchers
- (S$30,000 – S$49,999): S$1,500 Cash + S$1,000 IKEA Vouchers
- (S$50,000 and above): S$2,000 Cash + S$1,000 IKEA Vouchers
- Wedding Package:
- (S$20,000 – S$29,999): S$1,000 Cash + S$1,000 SK Jewellery E-Vouchers
- (S$30,000 – S$49,999): S$1,500 Cash + S$1,000 SK Jewellery E-Vouchers
- (S$50,000 and above): S$2,000 Cash + S$1,000 SK Jewellery E-Vouchers
- Education Package:
- (S$20,000 – S$29,999): S$1,000 Cash + S$1,000 Best Denki Vouchers
- (S$30,000 – S$49,999): S$1,500 Cash + S$1,000 Best Denki Vouchers
- (S$50,000 and above): S$2,000 Cash + S$1,000 Best Denki Vouchers
- Renovation Package:
- Additionally, be one of the first 100 eligible applicants each week during the campaign period to receive S$10 Shopee Voucher on top of existing rewards.
- Terms and Conditions apply.
- Promotion is stackable with SingSaver Exclusive Offer (additional T&Cs apply).
Gift Options
Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$50,000 and above
Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$30,000 to S$49,999
Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$20,000 to S$29,999
Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$15,000 to S$19,999
Loan Tenure From 36 months to 60 months + loan amount from S$10,000 to S$14,999
Loan Tenure From 36 months to 60 months + loan amount from S$8,000 to S$9,999
- SingSaver Flash Deal promotion is valid until 10 June 2025.
- Promotion is valid for new and existing Trust Bank personal loan customers.
- Apply and get approved for a Trust Bank Instant Loan with a min. amount of S$8,000 and min. tenure of 3 years to be eligible for rewards.
- Choice of reward varies depending on approved loan amount:
- Loan amount of S$8,000 – S$9,999:
- New customers will receive S$100 Cash.
- Existing customers will receive S$80 Cash.
- Loan amount of S$10,000 – S$14,999:
- New customers will receive S$180 Cash.
- Existing customers will receive S$160 Cash.
- Loan amount of S$15,000 – S$19,999:
- New customers can receive S$150 Bonus Cash, plus S$310 Cash or a Dyson AM07 Tower Fan (worth S$459).
- Existing customers can receive S$150 Bonus Cash, plus S$270 Cash or a Dyson AM07 Tower Fan (worth S$459).
- Loan amount of S$20,000 – S$29,999:
- New customers can receive S$250 Bonus Cash, plus S$420 Cash or a Dyson Airstrait hair straightener (worth S$799).
- Existing customers can receive S$250 Bonus Cash, plus S$380 Cash or a Dyson Airstrait hair straightener (worth S$799).
- Loan amount of S$30,000 – S$49,999:
- New customers can receive S$350 Bonus Cash, plus S$640 Cash or a Xiaomi Robot Vacuum X20+ UK (worth S$899).
- Existing customers can receive S$350 Bonus Cash, plus S$600 Cash or a Xiaomi Robot Vacuum X20+ UK (worth S$899).
- Loan amount of S$50,000 and above:
- New customers can receive S$450 Bonus Cash, plus S$1,250 Cash or an Apple iPad Air (M3) 13" WiFi + Cellular 128GB (worth S$1,429).
- Existing customers can receive S$450 Bonus Cash, plus S$1,230 Cash or an Apple iPad Air (M3) 13" WiFi + Cellular 128GB (worth S$1,429).
- Loan amount of S$8,000 – S$9,999:
- Terms and Conditions apply.
The information displayed above is for reference only. The actual rates offered to you will be based on your credit score and is subject to the provider's approval.
-
Early repayment fee: S$ 15
-
Late repayment fee: S$ 100
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
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
DBS Personal Loan

Offer Available


Valid until
31 July 2025


Valid until
31 July 2025


Valid until
31 July 2025
- Enjoy personalised rates from as low as 1.99% p.a. (EIR 4.17% p.a.)
- Borrow up to 4x your monthly salary if you earn less than S$120,000 annually, or up to 10x if you earn more than S$120,000 annually
- Min. loan amount of S$500
- Tenure: 6 months to 5 years
- Min. income for Singaporeans/PRs: S$20,000 p.a.
- Apply via SingSaver and get your loan approved and disbursed instantly into your DBS/POSB account
- 1.99% p.a. loan rates only applicable for loan tenure of 36 months and above. Also for selected customers only.
- Processing fee: From 1% of the approved loan amount
- Early repayment fee: S$250
- Late payment fee: S$100 for personal loan on DBS/POSB credit card, S$120 for personal loan on DBS/POSB Cashline
Gift Options
Loan tenure from 36 months and above + loan amount from S$50,000 and above
Loan tenure from 36 months and above + loan amount from S$30,000 to S$49,999
Loan tenure from 36 months and above + loan amount from S$10,000 to S$29,999
- Exclusive Offer is valid until 31 July 2025.
- Promotion is valid for new and existing DBS/POSB personal loan customers.
- Apply and get approved for a DBS or POSB personal loan using promo code DBSSINGSAVER with min. amount of S$10,000 and min. tenure of 36 months to be eligible for reward.
- Reward amount varies depending on approved loan amount:
- (S$10,000 – S$49,999): 2% Cashback + S$50 Cashback
- (S$50,000 and above): 3% Cashback + S$50 Cashback
- Promotion is not stackable with other offers from SingSaver.
- Terms and Conditions apply.
-
Early repayment fee: S$ 250
-
Late repayment fee: S$ 100
1. Go to DBS site and click “Apply now” under Personal Loans
2. Log in using your card or ibanking details
3. Fill out and submit all required documents
4. An SMS will confirm if your loan has been approved
5. An approval letter will be mailed to you as well
Note: Applications can be done also via Singpass Myinfo on DBS' website
1. NRIC (Front & Back)
2. CPF contribution history statement (latest 12 months)
3. Latest 1 year Income Tax Notice of Assessment (NOA)
4. Latest computerised payslip or salary crediting into a DBS/POSB account
Standard Chartered CashOne Personal Loan

2 Offers Available


Valid until
16 June 2025


+ 9 other gift options
Valid until
30 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
- SingSaver #YourBestInterest Lucky Draw promotion runs from 13 May 2025, 3PM SGT to 16 June 2025.
- Promotion is valid for new and existing Standard Chartered personal loan customers.
- Apply for a Standard Chartered personal loan with min. amount of S$20,000 and min. tenure of 3 years to receive 1x Lucky Draw Chance.
- Lucky Draw winners will receive a reward based on their chosen reward package and approved loan amount:
- Renovation Package:
- (S$20,000 – S$29,999): S$1,000 Cash + S$1,000 IKEA Vouchers
- (S$30,000 – S$49,999): S$1,500 Cash + S$1,000 IKEA Vouchers
- (S$50,000 and above): S$2,000 Cash + S$1,000 IKEA Vouchers
- Wedding Package:
- (S$20,000 – S$29,999): S$1,000 Cash + S$1,000 SK Jewellery E-Vouchers
- (S$30,000 – S$49,999): S$1,500 Cash + S$1,000 SK Jewellery E-Vouchers
- (S$50,000 and above): S$2,000 Cash + S$1,000 SK Jewellery E-Vouchers
- Education Package:
- (S$20,000 – S$29,999): S$1,000 Cash + S$1,000 Best Denki Vouchers
- (S$30,000 – S$49,999): S$1,500 Cash + S$1,000 Best Denki Vouchers
- (S$50,000 and above): S$2,000 Cash + S$1,000 Best Denki Vouchers
- Renovation Package:
- Additionally, be one of the first 100 eligible applicants each week during the campaign period to receive S$10 Shopee Voucher on top of existing rewards.
- Terms and Conditions apply.
- Promotion is stackable with SingSaver Exclusive Offer (additional T&Cs apply).
Gift Options
Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$50,000 and above
Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$30,000 to S$49,999
Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$20,000 to S$29,999
Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$15,000 to S$19,999
Loan Tenure From 36 months to 60 months + loan amount from S$10,000 to S$14,999
Loan Tenure From 36 months to 60 months + loan amount from S$8,000 to S$9,999
- SingSaver Exclusive Offer promotion is valid until 30 June 2025.
- Promotion is valid for new and existing Standard Chartered personal loan customers.
- Apply and get approved for a Standard Chartered CashOne personal loan with a min. amount of S$8,000 and min. tenure of 3 years to be eligible for reward.
- Choice of reward varies depending on approved loan amount:
- (S$8,000 – S$9,999): S$120 Cash via PayNow
- (S$10,000 – S$14,999): S$180 Cash via PayNow
- (S$15,000 – S$19,999): S$310 Cash via PayNow or Dyson AM07 Tower Fan (worth S$449)
- (S$20,000 – S$29,999): S$410 Cash via PayNow or Apple Watch Series 10 GPS 42mm (worth S$599)
- (S$30,000 – S$49,999): S$610 Cash via PayNow or Apple iPad A16 11” WiFi 256GB (worth S$649)
- (S$50,000 and above): S$1,200 Cash via PayNow or Apple iPhone 16 128GB (worth S$1,299)
- Terms and Conditions apply
The information displayed above is for reference only. The actual rates offered to you will be based on your credit score and is subject to the provider’s approval.
-
Early repayment fee: S$ 150
-
Late repayment fee: S$ 100
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
For SingPass holders applying with MyInfo, please prepare the following:
- Copy of Passport (with at least 6 months' validity), including the page with address displayed (where applicable)
- Copy of your Employment Pass
- Any ONE of the following documents:
- Latest utility bill, rates or tax bill
- Latest bank / credit card statement (e-Statements are accepted)
- Rental agreement showing your address
- Latest mobile phone statement or pay-TV statement
- Letter from employer stating current address
- Government-issued document stating current address (e.g. IRAS, CPF, ICA)
HSBC Personal Loan

2 Offers Available


Valid until
16 June 2025


+ 9 other gift options
Valid until
30 June 2025
- One of the lowest interest rates from 2.20% p.a (EIR 4.00% p.a) for those earning min. S$30,000 annually. Rates provided are customised and might differ from what’s displayed here.
- No processing fees
- Instant disbursement upon approval to an HSBC bank account
- Get a 1-minute in-principle approval on your HSBC Personal Loan
- Max. loan amount equal to 90/95% of approved credit limit at time of application
- Min. loan amount of S$1,000
- Option to borrow at a slightly longer loan tenure of 7 years
- Early repayment fee: 2.5% of the repayment amount
- Overdue interest: 2.5% + prevailing interest on overdue amount
- Late payment fee: S$75 for each monthly repayment that is not received in full by the monthly due date
Gift Options
Loan Tenure From 36 month(s) and above + loan amount from S$20,000 and above
- SingSaver #YourBestInterest Lucky Draw promotion runs from 13 May 2025, 3PM SGT to 16 June 2025.
- Promotion is valid for new and existing HSBC personal loan customers.
- Apply for an HSBC personal loan with min. amount of S$20,000 and min. tenure of 3 years to receive 1x Lucky Draw Chance.
- Lucky Draw winners will receive a reward based on their chosen reward package and approved loan amount:
- Renovation Package:
- (S$20,000 – S$29,999): S$1,000 Cash + S$1,000 IKEA Vouchers
- (S$30,000 – S$49,999): S$1,500 Cash + S$1,000 IKEA Vouchers
- (S$50,000 and above): S$2,000 Cash + S$1,000 IKEA Vouchers
- Wedding Package:
- (S$20,000 – S$29,999): S$1,000 Cash + S$1,000 SK Jewellery E-Vouchers
- (S$30,000 – S$49,999): S$1,500 Cash + S$1,000 SK Jewellery E-Vouchers
- (S$50,000 and above): S$2,000 Cash + S$1,000 SK Jewellery E-Vouchers
- Education Package:
- (S$20,000 – S$29,999): S$1,000 Cash + S$1,000 Best Denki Vouchers
- (S$30,000 – S$49,999): S$1,500 Cash + S$1,000 Best Denki Vouchers
- (S$50,000 and above): S$2,000 Cash + S$1,000 Best Denki Vouchers
- Renovation Package:
- Additionally, be one of the first 100 eligible applicants each week during the campaign period to receive S$10 Shopee Voucher on top of existing rewards.
- Terms and Conditions apply.
- Promotion is stackable with SingSaver Exclusive Offer (additional T&Cs apply).
Gift Options
Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$50,000 and above
Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$30,000 to S$49,999
Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$20,000 to S$29,999
Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$15,000 to S$19,999
Loan Tenure From 36 months to 60 months + loan amount from S$10,000 to S$14,999
Loan Tenure From 36 months to 60 months + loan amount from S$8,000 to S$9,999
- SingSaver Exclusive Offer promotion is valid until 30 June 2025.
- Promotion is valid for new and existing HSBC personal loan customers.
- Apply and get approved for an HSBC Personal Loan with a min. amount of S$8,000 and min. tenure of 3 years to be eligible for rewards.
- Choice of reward varies depending on approved loan amount:
- (S$8,000 – S$9,999): S$100 Cash via PayNow
- (S$10,000 – S$14,999): S$130 Cash via PayNow
- (S$15,000 – S$19,999): S$210 Cash via PayNow or Apple Airpods Pro Gen 2 With Magsafe Charging Case (worth S$349)
- (S$20,000 – S$29,999): S$280 Cash via PayNow or Apple Watch Series 10 GPS 42mm (worth S$599)
- (S$30,000 – S$49,999): S$450 Cash via PayNow or Dyson Airstrait hair straightener (worth S$799)
- (S$50,000 and above): S$1,100 Cash via PayNow or Apple iPhone 16 Pro 256GB (worth S$1,749)
- Terms and Conditions apply.
The information displayed above is for reference only. The actual rates offered to you will be based on your credit score and is subject to the provider’s approval.
-
Early repayment fee: 2.5 %
-
Late repayment fee: S$ 75
1. Go to HSBC's website and click “Apply Now” under Personal Loans
2. Fill out an application and submit the required documents
3. Wait for approval from HSBC
1. NRIC (Front & Back)
2. 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)
3. For self-employed persons: Last 2 years’ Income Tax Notice of Assessment
CIMB Personal Loan

2 Offers Available


Valid until
16 June 2025


+ 9 other gift options
Valid until
30 June 2025
- Receive cash instantly upon approval
- Enjoy attractive interest rates from as low as 2.80% p.a. only and zero processing fees* (EIR from 5.28% p.a.) for 3-5 years
- Min. loan amount of S$2,000
- Min. income for Singaporeans/PRs: S$20,000 p.a.; Min. income for Malaysians (Non-PR): S$30,000
- Early termination fee: 3% of outstanding loan amount or S$250, whichever is higher
- Late payment fee: S$100
Gift Options
Loan Tenure From 36 month(s) and above + loan amount from S$20,000 and above
- SingSaver #YourBestInterest Lucky Draw promotion runs from 13 May 2025, 3PM SGT to 16 June 2025.
- Promotion is valid for new and existing CIMB personal loan customers.
- Apply for a CIMB personal loan with min. amount of S$20,000 and min. tenure of 3 years to receive 1x Lucky Draw Chance.
- Lucky Draw winners will receive a reward based on their chosen reward package and approved loan amount:
- Renovation Package:
- (S$20,000 – S$29,999): S$1,000 Cash + S$1,000 IKEA Vouchers
- (S$30,000 – S$49,999): S$1,500 Cash + S$1,000 IKEA Vouchers
- (S$50,000 and above): S$2,000 Cash + S$1,000 IKEA Vouchers
- Wedding Package:
- (S$20,000 – S$29,999): S$1,000 Cash + S$1,000 SK Jewellery E-Vouchers
- (S$30,000 – S$49,999): S$1,500 Cash + S$1,000 SK Jewellery E-Vouchers
- (S$50,000 and above): S$2,000 Cash + S$1,000 SK Jewellery E-Vouchers
- Education Package:
- (S$20,000 – S$29,999): S$1,000 Cash + S$1,000 Best Denki Vouchers
- (S$30,000 – S$49,999): S$1,500 Cash + S$1,000 Best Denki Vouchers
- (S$50,000 and above): S$2,000 Cash + S$1,000 Best Denki Vouchers
- Renovation Package:
- Additionally, be one of the first 100 eligible applicants each week during the campaign period to receive S$10 Shopee Voucher on top of existing rewards.
- Terms and Conditions apply.
- Promotion is stackable with SingSaver Exclusive Offer (additional T&Cs apply).
Gift Options
Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$50,000 and above
Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$30,000 to S$49,999
Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$20,000 to S$29,999
Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$15,000 to S$19,999
Loan Tenure From 36 months to 60 months + loan amount from S$10,000 to S$14,999
Loan Tenure From 36 months to 60 months + loan amount from S$8,000 to S$9,999
- SingSaver Exclusive Offer promotion is valid until 30 June 2025.
- Promotion is valid for new and existing CIMB personal loan customers.
- Apply and get approved for a CIMB Personal Loan with a min. amount of S$8,000 and min. tenure of 3 years to be eligible for rewards.
- Choice of reward varies depending on approved loan amount:
- (S$8,000 – S$9,999): S$130 Cash via PayNow
- (S$10,000 – S$14,999): S$200 Cash via PayNow
- (S$15,000 – S$19,999): S$330 Cash via PayNow or Apple iPad (A16) 11" WiFi 128GB (worth S$499)
- (S$20,000 – S$29,999): S$440 Cash via PayNow or Dyson Supersonic™ hair dryer (worth S$599)
- (S$30,000 – S$49,999): S$680 Cash via PayNow or Apple Watch Series 10 GPS + Cellular 42mm (worth S$739)
- (S$50,000 and above): S$1,350 Cash via PayNow or Apple iPhone 16 Pro 128GB (worth S$1,599)
- Terms and Conditions apply.
The information displayed above is for reference only. The actual rates offered to you will be based on your credit score and is subject to the provider's approval.
-
Early repayment fee: S$ 250
-
Late repayment fee: S$ 100
- Click "Apply Now" on CIMB Personal Loan Listing
- Complete the application via Singpass Myinfo and submit the required documents
- Wait for approval for CIMB
- NRIC (Front & Back)
- Salaried Employees: Latest computerised payslip or latest CPF/NOA statements
- Self-Employed: Latest 2 years' NOA
- Commissioned/Variable Income Earners: Latest CPF/NOA statements
For Malaysians, you will need to provide the following supporting documents in the application:
- Malaysian NRIC
- Passport (minimum 6 months validity
- latest 3 months pay slip
- Foreign Exchange Notice Declaration Form
HSBC Personal Loan

2 Offers Available


Valid until
16 June 2025


+ 9 other gift options
Valid until
30 June 2025
- One of the lowest interest rates from 2.20% p.a (EIR 4.00% p.a) for those earning min. S$30,000 annually. Rates provided are customised and might differ from what’s displayed here.
- No processing fees
- Instant disbursement upon approval to an HSBC bank account
- Get a 1-minute in-principle approval on your HSBC Personal Loan
- Max. loan amount equal to 90/95% of approved credit limit at time of application
- Min. loan amount of S$1,000
- Option to borrow at a slightly longer loan tenure of 7 years
- Early repayment fee: 2.5% of the repayment amount
- Overdue interest: 2.5% + prevailing interest on overdue amount
- Late payment fee: S$75 for each monthly repayment that is not received in full by the monthly due date
Gift Options
Loan Tenure From 36 month(s) and above + loan amount from S$20,000 and above
- SingSaver #YourBestInterest Lucky Draw promotion runs from 13 May 2025, 3PM SGT to 16 June 2025.
- Promotion is valid for new and existing HSBC personal loan customers.
- Apply for an HSBC personal loan with min. amount of S$20,000 and min. tenure of 3 years to receive 1x Lucky Draw Chance.
- Lucky Draw winners will receive a reward based on their chosen reward package and approved loan amount:
- Renovation Package:
- (S$20,000 – S$29,999): S$1,000 Cash + S$1,000 IKEA Vouchers
- (S$30,000 – S$49,999): S$1,500 Cash + S$1,000 IKEA Vouchers
- (S$50,000 and above): S$2,000 Cash + S$1,000 IKEA Vouchers
- Wedding Package:
- (S$20,000 – S$29,999): S$1,000 Cash + S$1,000 SK Jewellery E-Vouchers
- (S$30,000 – S$49,999): S$1,500 Cash + S$1,000 SK Jewellery E-Vouchers
- (S$50,000 and above): S$2,000 Cash + S$1,000 SK Jewellery E-Vouchers
- Education Package:
- (S$20,000 – S$29,999): S$1,000 Cash + S$1,000 Best Denki Vouchers
- (S$30,000 – S$49,999): S$1,500 Cash + S$1,000 Best Denki Vouchers
- (S$50,000 and above): S$2,000 Cash + S$1,000 Best Denki Vouchers
- Renovation Package:
- Additionally, be one of the first 100 eligible applicants each week during the campaign period to receive S$10 Shopee Voucher on top of existing rewards.
- Terms and Conditions apply.
- Promotion is stackable with SingSaver Exclusive Offer (additional T&Cs apply).
Gift Options
Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$50,000 and above
Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$30,000 to S$49,999
Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$20,000 to S$29,999
Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$15,000 to S$19,999
Loan Tenure From 36 months to 60 months + loan amount from S$10,000 to S$14,999
Loan Tenure From 36 months to 60 months + loan amount from S$8,000 to S$9,999
- SingSaver Exclusive Offer promotion is valid until 30 June 2025.
- Promotion is valid for new and existing HSBC personal loan customers.
- Apply and get approved for an HSBC Personal Loan with a min. amount of S$8,000 and min. tenure of 3 years to be eligible for rewards.
- Choice of reward varies depending on approved loan amount:
- (S$8,000 – S$9,999): S$100 Cash via PayNow
- (S$10,000 – S$14,999): S$130 Cash via PayNow
- (S$15,000 – S$19,999): S$210 Cash via PayNow or Apple Airpods Pro Gen 2 With Magsafe Charging Case (worth S$349)
- (S$20,000 – S$29,999): S$280 Cash via PayNow or Apple Watch Series 10 GPS 42mm (worth S$599)
- (S$30,000 – S$49,999): S$450 Cash via PayNow or Dyson Airstrait hair straightener (worth S$799)
- (S$50,000 and above): S$1,100 Cash via PayNow or Apple iPhone 16 Pro 256GB (worth S$1,749)
- Terms and Conditions apply.
The information displayed above is for reference only. The actual rates offered to you will be based on your credit score and is subject to the provider’s approval.
-
Early repayment fee: 2.5 %
-
Late repayment fee: S$ 75
1. Go to HSBC's website and click “Apply Now” under Personal Loans
2. Fill out an application and submit the required documents
3. Wait for approval from HSBC
1. NRIC (Front & Back)
2. 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)
3. For self-employed persons: Last 2 years’ Income Tax Notice of Assessment
UOB Personal Loan

2 Offers Available


Valid until
16 June 2025


+ 9 other gift options
Valid until
30 June 2025
- Enjoy interest rates as low as 2.88% p.a (EIR from 5.43% p.a.)
- No processing fees
- Get instant approval and cash disbursed into your UOB accounts for applications submitted between 8am and 9pm
- Min. loan amount of S$1,000
- Min. income for Singaporeans/PRs: S$30,000 p.a.
- Read our full review of the UOB Personal Loan
- Foreigners are not eligible for UOB Personal Loan
- Cancellation fee: S$150 or 3% of outstanding approved loan amount, whichever is higher
Gift Options
Loan Tenure From 36 month(s) and above + loan amount from S$20,000 and above
- SingSaver #YourBestInterest Lucky Draw promotion runs from 13 May 2025, 3PM SGT to 16 June 2025.
- Promotion is valid for new and existing UOB personal loan customers.
- Apply for a UOB personal loan with min. amount of S$20,000 and min. tenure of 3 years to receive 1x Lucky Draw Chance.
- Lucky Draw winners will receive a reward based on their chosen reward package and approved loan amount:
- Renovation Package:
- (S$20,000 – S$29,999): S$1,000 Cash + S$1,000 IKEA Vouchers
- (S$30,000 – S$49,999): S$1,500 Cash + S$1,000 IKEA Vouchers
- (S$50,000 and above): S$2,000 Cash + S$1,000 IKEA Vouchers
- Wedding Package:
- (S$20,000 – S$29,999): S$1,000 Cash + S$1,000 SK Jewellery E-Vouchers
- (S$30,000 – S$49,999): S$1,500 Cash + S$1,000 SK Jewellery E-Vouchers
- (S$50,000 and above): S$2,000 Cash + S$1,000 SK Jewellery E-Vouchers
- Education Package:
- (S$20,000 – S$29,999): S$1,000 Cash + S$1,000 Best Denki Vouchers
- (S$30,000 – S$49,999): S$1,500 Cash + S$1,000 Best Denki Vouchers
- (S$50,000 and above): S$2,000 Cash + S$1,000 Best Denki Vouchers
- Renovation Package:
- Additionally, be one of the first 100 eligible applicants each week during the campaign period to receive S$10 Shopee Voucher on top of existing rewards.
- Terms and Conditions apply.
- Promotion is stackable with SingSaver Exclusive Offer (additional T&Cs apply).
Gift Options
Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$50,000 and above
Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$30,000 to S$49,999
Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$20,000 to S$29,999
Loan Tenure From 36 month(s) to 60 month(s) + loan amount from S$15,000 to S$19,999
Loan Tenure From 36 months to 60 months + loan amount from S$10,000 to S$14,999
Loan Tenure From 36 months to 60 months + loan amount from S$8,000 to S$9,999
- SingSaver Exclusive Offer promotion is valid until 30 June 2025.
- Promotion is valid for new and existing UOB personal loan customers.
- Apply for a UOB personal loan with a min. amount of S$8,000 and min. tenure of 3 years to be eligible for reward.
- Choice of reward varies depending on approved loan amount:
- (S$8,000 – S$9,999): S$120 Cash via PayNow
- (S$10,000 – S$14,999): S$180 Cash via PayNow
- (S$15,000 – S$19,999): S$330 Cash via PayNow or an Apple iPad (A16) 11" Wi-Fi 128GB (worth S$499)
- (S$20,000 – S$29,999): S$440 Cash via PayNow or a Dyson Supersonic™ hair dryer (worth S$599)
- (S$30,000 – S$49,999): S$660 Cash via PayNow or a Dyson Airstrait™ hair straightener (worth S$799)
- (S$50,000 and above): S$1,300 Cash via PayNow or an Apple Macbook Air M4 256GB (worth $1,499)
- Terms and Conditions apply
The information displayed above is for reference only. The actual rates offered to you will be based on your credit score and is subject to the provider’s approval.
-
Early repayment fee: S$ 150 or 3% of the outstanding Approved Loan Amount, whichever is higher
-
Late repayment fee: S$ 100
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
- 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
Citi Quick Cash Program with Ready Credit

2 Offers Available


Valid until
16 June 2025


Valid until
30 June 2025
- Flexible line of credit up to 4X your monthly income or up to 8X your monthly income if your annual income is S$120,000 and above. (Subject to Citibank's approval)
- Enjoy an interest rate from as low as 3.45% p.a. (EIR 6.50% p.a.) by converting your available credit limit to a loan with Citi Quick Cash on Ready Credit. Terms and Conditions apply. EIR 6.50% p.a. is applicable to new Citibank Ready Credit customers only.
- No processing fees
- Minimum loan of S$1,000
- Tenure: 1 year to 5 years
- Annual fee: S$120 (First year free) on Citibank Ready Credit
- Late Payment charge: S$120*
- Overlimit fee: S$40*
Gift Options
Loan Tenure From 36 month(s) and above + loan amount from S$20,000 and above
- SingSaver #YourBestInterest Lucky Draw promotion runs from 13 May 2025, 3PM SGT to 16 June 2025.
- Promotion is valid for new and existing Citi personal loan customers.
- Apply for a Citi Quick Cash Personal Loan with min. amount of S$20,000 and min. tenure of 3 years to receive 1x Lucky Draw Chance.
- Lucky Draw winners will receive a reward based on their chosen reward package and approved loan amount:
- Renovation Package:
- (S$20,000 – S$29,999): S$1,000 Cash + S$1,000 IKEA Vouchers
- (S$30,000 – S$49,999): S$1,500 Cash + S$1,000 IKEA Vouchers
- (S$50,000 and above): S$2,000 Cash + S$1,000 IKEA Vouchers
- Wedding Package:
- (S$20,000 – S$29,999): S$1,000 Cash + S$1,000 SK Jewellery E-Vouchers
- (S$30,000 – S$49,999): S$1,500 Cash + S$1,000 SK Jewellery E-Vouchers
- (S$50,000 and above): S$2,000 Cash + S$1,000 SK Jewellery E-Vouchers
- Education Package:
- (S$20,000 – S$29,999): S$1,000 Cash + S$1,000 Best Denki Vouchers
- (S$30,000 – S$49,999): S$1,500 Cash + S$1,000 Best Denki Vouchers
- (S$50,000 and above): S$2,000 Cash + S$1,000 Best Denki Vouchers
- Renovation Package:
- Additionally, be one of the first 100 eligible applicants each week during the campaign period to receive S$10 Shopee Voucher on top of existing rewards.
- Terms and Conditions apply.
- Promotion is stackable with SingSaver Exclusive Offer (additional T&Cs apply).
Gift Options
Loan Tenure From 12 months to 60 months + loan amount from s$ 8,000 and above
- SingSaver Exclusive Offer promotion is valid until 30 June 2025.
- Promotion is valid for new and existing Citibank Ready Credit customers.
- Apply for a Citi Quick Cash Personal Loan with a min. amount of S$8,000 and tenure of and tenure of 12 to 60 months to be eligible for reward.
- Promotion does not stack with other welcome offers from Citibank.
- Terms and Conditions apply.
- *Disclaimer on Fees: Refer to Citibank's Website > Banking Information (Footer) > Fees and Rates
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.
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
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
POSB Personal Loan

Offer Available


Valid until
31 July 2025


Valid until
31 July 2025


Valid until
31 July 2025
- Enjoy personalised rates from as low as 1.99% p.a. (EIR 4.17% p.a.)
- Borrow up to 4x your monthly salary if you earn less than S$120,000 annually, or up to 10x if you earn more than S$120,000 annually
- Min. loan amount of S$500
- Tenure: 6 months to 5 years
- Min. income for Singaporeans/PRs: S$20,000 p.a.
- Apply via SingSaver and get your loan approved and disbursed instantly into your DBS/POSB account
- Processing fee: From 1% of the approved loan amount
- Early repayment fee: S$250
- Late payment fee: S$100 for personal loan on DBS/POSB credit card, S$120 for personal loan on DBS/POSB Cashline
Gift Options
Loan tenure from 36 months and above + loan amount from S$50,000 and above
Loan tenure from 36 months and above + loan amount from S$30,000 to S$49,999
Loan tenure from 36 months and above + loan amount from S$10,000 to S$29,999
- Exclusive Offer is valid until 31 July 2025.
- Promotion is valid for new and existing DBS/POSB personal loan customers.
- Apply and get approved for a DBS or POSB personal loan using promo code DBSSINGSAVER with min. amount of S$10,000 and min. tenure of 36 months to be eligible for reward.
- Reward amount varies depending on approved loan amount:
- (S$10,000 – S$49,999): 2% Cashback + S$50 Cashback
- (S$50,000 and above): 3% Cashback + S$50 Cashback
- Promotion is not stackable with other offers from SingSaver.
- Terms and Conditions apply.
-
Early repayment fee: S$ 250
-
Late repayment fee: S$ 100
1. Download an application form on POSB's website
2. Fill it out and apply online or in-person at one of the bank's branches
3. Wait for an offer from POSB
1. NRIC (Front & Back)
2. Salaried employees: Latest 9 months’ CPF contribution history statement OR latest 1 year Income Tax Notice of Assessment or latest computerised payslip or salary crediting into DBS/POSB account
3. Self-employed individuals: Latest 1 year Income Tax Notice of Assessment
Apply Now and Stand A Chance to Win Your Free Interest — in 3 Easy Steps!
From now till 2 Jun 2025: Stand a chance to be one of 3 lucky winners every week to have your full interest covered on us (worth up to S$3,000), on top of existing rewards!

Step 2:
Please complete the redemption form sent to your email within 3 days of your application.

Step 3:
Once approved, you’ll receive your reward — plus, a chance to have your full interest covered!
💬 Real Stories
Every goal starts with a step — hear how personal loans helped real people take control of what’s next.
Career Switch
"I needed to upskill but didn’t have the savings for course fees. A SingSaver loan gave me the head start I needed — I landed a new role within months."
— Nicholas, 32
Emergency Ready
"A family medical bill came up unexpectedly. I was stressed, but SingSaver helped me find a loan quickly — I could focus on my family, not finances."
— Sarah, 40
Milestone Moments
"We had a baby on the way and needed to prep the nursery fast. The loan gave us room to breathe — and design a space filled with love."
— Wei Ying, 29
Need help with personal loan?
We know diving into a personal loan can feel overwhelming—that’s why we’ve answered your most common questions and broken down each step, so you can apply with confidence.
📘 Glossary of Personal Loan Terms
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?
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?
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?
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?
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?
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.