Sometimes you need fast cash, and it’s out of your control. Whether it's a surprise medical bill, a last-minute opportunity, or just trying to get through the month, we’ve all faced the dreaded cash flow issues once or twice. But in a high-cost city like ours, quick access to funds can be tricky – especially if you’re worried about falling into debt or being scammed.

This guide walks you through legitimate, safe ways to get quick cash in Singapore, from selling items to borrowing money responsibly. We'll also answer common questions like whether you can borrow from CPF, how many lenders you can approach, and which banks offer the fastest approval. And remember, don’t go to ah long – fast cash is never worth the long-term risk.

1. Give your pre-loved electronics a new home

Got a laptop from your polytechnic days? An old iPhone gathering dust? Electronics tend to hold resale value, especially if they’re in decent condition. You can list them on platforms like Carousell or sell them to trade-in stores.

It’s fast, simple, and gives someone else a chance to reuse what you no longer need. If you’re in a rush, some brick-and-mortar trade-in kiosks even offer same-day payouts.

2. Regift your gift cards

You might have received a S$100 shopping voucher for a store you never go to – but someone else will pay cash for it. Online marketplaces let you sell unwanted gift cards at a slight discount.

It’s not a full-cash conversion, but it’s still better than letting it expire unused. Just make sure to use secure platforms with buyer and seller protection.

3. Pawn something valuable

If you have gold jewellery, designer bags, or even watches, pawnbrokers can give you a short-term loan using your item as collateral.

Licensed pawnbrokers offer a regulated alternative to risky loans, and you can redeem your item once the loan is repaid – interest rates are capped by law.

>> MORE: 11 places to sell stuff online

4. Start a side hustle

Got time? Offer food delivery, freelance services, or help others move house. Apps like Grab, Foodpanda, and Upwork let you pick up tasks that fit your schedule.

You won’t make a fortune overnight, but with consistent effort, it adds up – and you get to choose when and how much you want to earn.

>> MORE: Ways to make money online, offline and even at home

5. Reach out to community organisations and government agencies

For those in dire straits, help is available. ComCare offers short- to medium-term assistance for Singaporeans with sudden loss of income or financial hardship.

It may take some time to process, but it’s a safe and legal way to get help without repayment obligations.

>> MORE: How to get financial help from the government in Singapore

6. Use a credit card advance, carefully

If you already have a credit card, a cash advance is a quick way to get funds – but beware. Interest charges apply immediately, and they’re often higher than a personal loan. 

Only use this as a last resort, and pay it off as soon as you can to avoid spiralling debt.

>> MORE: 5 reasons why you shouldn’t use a cash advance 

7. Apply for a payday alternative loan

Some banks and licensed lenders offer small loans designed to tide you over till your next paycheck. These loans are typically under S$2,000, with short tenures.

They’re more affordable than payday loans, and can be useful if your income is stable and you just need a short-term fix.

8. Apply for a personal loan

Banks and licensed moneylenders offer personal loans with quick approval and disbursal. Some banks even approve and credit your loan within minutes if you’re an existing customer. The Maribank credit card loan, for example, can loan you up to S$100,000, with monthly repayments of S$1,906.67 at an interest rate of 0.24% per month (EIR 5.43% p.a.).

SingSaver’s Take

The MariBank Instant Loan, accessible through the Mari Credit Card, offers a swift and flexible solution for individuals seeking quick cash in Singapore. As a digital-only product, it aligns with the needs of users who prefer managing their finances via mobile applications.

Interest rates are significantly lower than payday or cash advances, and you can choose repayment periods from 1 to 5 years

9. Debt consolidation

If you’re juggling multiple loans or credit card debts, consolidating them into one monthly payment may help reduce interest and simplify repayment.

This isn’t a way to get “new” cash, but it can free up your budget in the short term and prevent further financial strain.

>> MORE: What is a debt consolidation plan and how does it work

10. Refinance your school loans

MOE loans, student loans, and education financing can often be refinanced with better rates. This could reduce your monthly repayments.

Speak with your bank or look for financial institutions offering lower interest for education loan refinancing – especially if you’ve started earning.

>> MORE: Guide to refinancing student loans in Singapore

11. Rent out a spare room

Have an extra room in your HDB or condo? You could rent it out short-term (with proper approval) or list it for long-term tenants.

Platforms like PropertyGuru or Facebook groups are great places to find renters – and the recurring income can provide ongoing financial support.

>> MORE: 4 ways to make extra money off your flat

12. Become a pet-sitter

Love animals? Pet-sitting can be a fun and rewarding way to earn money. Apps like Pawshake connect you with pet owners looking for trusted care.

It’s flexible, often pays by the hour or per session, and can even lead to repeat clients if you build up good reviews.

13. Become a rideshare or delivery driver

Grab, Gojek, Deliveroo, and Foodpanda all offer side income opportunities. You can work full-time or part-time, and start earning almost immediately after activation.

It’s best suited for those with a driving licence or bike – but some platforms now offer walking delivery gigs too.

14. Ask if you can pay your bills at a later date

If you’re temporarily short on cash, some utility providers and service companies will allow deferred payment or instalment plans.

Call them before your due date to explain your situation. It’s not guaranteed, but many will appreciate the proactive communication.

15. Compare and switch to a cheaper insurance plan

You might be overpaying for your insurance. Use comparison tools to find more affordable premiums without sacrificing key benefits.

Review your health, travel, or even car insurance annually – switching to a better deal could save you hundreds per year.

16. Swap to a budget-friendly phone plan

If you’re still on an expensive postpaid plan, consider switching to a SIM-only option or prepaid plan.

You’ll save every month – and you won’t be locked into a long contract, which gives more control over your spending.

>> MORE: Best SIM-Only mobile plans in Singapore (2025)

17. Request for your pay in advance

Some employers allow salary advances, especially in emergencies. This is not the same as borrowing – it’s just accessing your money earlier.

If your HR department allows it, this can be a safe and cost-free solution for temporary cash needs.

18. Withdraw from your CPF in emergencies

CPF is primarily for housing and retirement, but in very limited cases – such as terminal illness or severe medical emergencies – you can apply to withdraw funds.

Approval depends on your circumstances and may take time, so this is only viable in specific situations.

>> MORE: A complete guide to CPF in Singapore

19. Borrow against your life insurance

If you have a whole life policy with accumulated cash value, you may be able to borrow against it.

This is typically arranged through your insurer. It’s not free – you’ll pay interest – but it won’t affect your credit score.

>> MORE: What’s an insurance policy loan, and when should you cash in on it?

Everyone’s financial situation is different — and the best way to access fast cash will depend on factors like age, income, credit history, and existing commitments. The following examples illustrate how we might approach urgent financial needs.

Young Working Adult (Age 25): First Job, Emergency Medical Bill

Joel, a fresh graduate who just started his first job, finds out his mother has been hospitalised unexpectedly. Although the bill is subsidised, he still needs to fork out S$1,800 in cash upfront. His savings are limited because he just started work.

Mid-Career Parent (Age 40): Urgent School Fee Payment

May is a single mother of two, working full-time. She was managing okay until her son received an offer to join a school overseas programme costing S$3,500, due in 2 weeks. She doesn’t have that kind of liquidity on short notice.

Retiree (Age 65): Urgent Home Repair

Mr Tan is a retiree living on CPF payouts and some savings. A burst pipe floods his flat, and the repair costs S$2,000, which he hadn’t budgeted for.

When you’re desperate, it can be tempting to borrow from anyone who promises “instant cash, no questions asked.” But loan sharks and unlicensed lenders charge sky-high interest, harass you, and can ruin your credit and peace of mind.

If it sounds too good to be true, it probably is. Always borrow from licensed lenders regulated by the Ministry of Law, and compare rates carefully.

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