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Updated: 27 Jan 2026
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18 years old
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- Guaranteed interest rate, reviewed and approved upfront (risk-based pricing)
- 0% interest payday loans for eligible applicants
- Flexible repayment dates
- Apply in just 2 minutes using Singpass—fully digital, no paperwork
- Instant disbursement via PayNow or in cash upon approval
- Get approved in 30 minutes
- Trusted by over 3,000 customers with 5-star Google reviews
- Enjoy a quick digitalised loan process
- Subject to 8% admin fee
Eligibility
Minimum Age: 18 years old
Min. Annual Income: S$40,000
Key Features
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.
118 Credit Moneylender
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- Same-day approval
- The minimum age of applicants is 18 years old
- Easy loan application
- Licensed provider by the Ministry of Law
- Low interest rates up to 3.92%
- Provides a wide range of loan products
- No penalty fee for early settlement of personal loans
- Foreigners must have at least S$20,000 annual income to apply for personal loans.
- Subject to a 10% admin fee (to be deducted from the loan amount)
Key Features
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.
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Ready to spread your wings and fly off to your next vacay? With a growing list of 21 travel partners across airlines and hotels, the HSBC TravelOne (T1) Credit Card has a decent miles earn rate and provides lounge access — as well as travel insurance [https://www.singsaver.com.sg/travel-insurance] — for fuss-free journeys.
