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Personal Loans

Most banks will require you to be a Singapore Citizen or Permanent Resident, at the age of 21 or above. Foreigners can apply for personal instalment loans, but minimum income requirements are typically higher.

Most personal instalment loans require for you to earn at least S$30,000 a year to qualify. There are exceptions, such as POSB Personal Loan, which has a minimum annual income requirement of S$20,000.

As a borrower, you can get a personal loan of up to four times your monthly salary. This amount may vary based on the bank's policies and your credit history.

There is usually a minimum amount you must borrow to take the loan (e.g. S$1,000). If you need to borrow less, you should consider using a credit line instead.

Your personal loan's processing time depends on the bank or lender. Some banks send an approval-in-principle as quickly as an hour; others may take a day. Depending on the lender, the loans may be disbursed as soon as a day after approval.

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