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Best Instant Approval Loans For Fast Cash In Singapore

One of the benefits of getting a personal loan is the fast funding and approval time. Indeed, some personal loans like DBS Personal Loan, OCBC Personal Loan, Standard Chartered CashOne Personal Loan and can give you instant approvals, allowing you to access the necessary funds quickly when you need the most, be it a wedding, dream vacation, or major purchase. If you're worried about the time it takes to get a personal loan, read on to find out about the best personal loans with the fastest approval!

 

Best Instant Approval Loans For Fast Cash in Singapore

One of the benefits of getting a personal loan is the fast funding and approval time. Indeed, some personal loans like DBS Personal Loan, OCBC Personal Loan, Standard Chartered CashOne Personal Loan and can give you instant approvals, allowing you to access the necessary funds quickly when you need the most, be it a wedding, dream vacation, or major purchase. If you're worried about the time it takes to get a personal loan, read on to find out about the best personal loans with the fastest approval!

 
  • Standard Chartered CashOne Personal Loan: Enjoy instant approval and get cash to your bank account within 15 minutes
  • DBS/POSB Personal Loan: Instant approval for existing cashline or DBS/POSB customers
  • UOB Personal Loan: Instant approval for online submissions 
  • OCBC Personal Loan: Instant approval and disbursement when you apply via Myinfo
  • Citi Quick Cash Loan: Instant for Citi accounts
  • HSBC Personal Loan: Approval in principal within 1 minute
  • CIMB Personal Loan: Apply online and get approval within 10 mins
Discover the best Travel Insurance plans and buy instantly

Personal Loans With The Fastest Loan Approvals

If you have an urgent cash need and need financial assistance, a personal loan can provide you with a much-needed lifeline. Below is a quick summary of the personal loans with the fastest approvals. 

Personal loan Approval time Interest rate and processing fee Tenures
Standard_Chartered_(2021) 1
Standard Chartered CashOne Personal Loan
Loan disbursement within 15 minutes of the bank's approval Interest rate: from 2.88% p.a. (EIR 5.84% p.a.)

Processing fee: S$199 for the first year, S$50 for subsequent years (waived if all payments are received before the due dates for the past 12 months)


1 to 5 years
DBS-Bank-logo (2) 1
DBS/POSB Personal Loan



Instant approval for existing DBS/POSB credit cardholders or Cashline accounts Interest rate: from 3.88% p.a. + 1% processing fee (EIR from 7.56% p.a.) 6 months to 5 years
UOB_Logo 1
UOB Personal Loan
Instant approval for online submissions Interest rate: from 2.88% p.a. (EIR from 5.43% p.a.)

Processing fees: none
1 to 5 years

logo_ocbcbank-horizontal
OCBC ExtraCash Personal Loan

Instant approval when you apply via MyInfo Interest rate: From 2.88% p.a. (EIR from 5.84% p.a.)

Processing fee: S$199 processing fee (first year only)
1 to 5 years

Citibank-Logo 1 (2)
Citi Quick Cash Loan

Instant for Citi accounts, 1 to 5 working days for non-Citi accounts Interest rate: from 3.45% p.a. (EIR 6.50% p.a.)

Processing fee: none
1 to 5 years

HSBC-Logo (1) 1
HSBC Personal Loan



Approval in-principal within 1 minute Interest rate: from 3.60% p.a. (EIR 6.50% p.a.)

Processing fee: 1% of approved loan amount, minimum of S$88 (waived for HSBC Premier customers)
1 to 7 years

CIMB-Logo
CIMB Personal Loan

Within 10 mins Interest rate: from 2.80% p.a. (EIR 5.28% p.a.)

Processing fee: none
1 to 5 years

How To Improve Your Chances Of Getting A Fast Loan Approval?

When it comes to personal loans, speed is paramount. Here are some tips to fast-track your personal loan approval time and getting your loan approved quickly. 

good credit score
loan eligibility
loan guarantor
bank enquiry for loan or credit card

Get A Good Credit Score


A high credit score increases your creditworthiness and can expedite the approval process. 

Some ways to improve or maintain your credit score include staying within your credit limits, repaying your credit card bills/loans on time, limiting the number of open credit facilities, avoiding taking on several loans in a short time frame, and never defaulting on your loans.

Check Eligibility Criteria


Most banks require you to be at least 21 years of age and have a minimum annual income requirement. This amount is usually set at S$30,000 for Singapore citizens and PRs, or S$40,000 for foreigners. 

Aside from that, another factor that may affect your chances of securing a loan is your citizenship as some banks only offer loans to Singapore citizens or PRs. 

Get A Co-Signer Or Guarantor


If you don't meet the requirements for a personal loan, you can improve your chances of getting a loan approved with a co-signer or guarantor. When you apply with a co-signer or guarantor, their credit score, credit history, or income will be considered, allowing you to qualify for a loan that you otherwise wouldn't get on your own. 

Limit Your Enquiry Activity 


Each time you apply for a loan or credit card, an enquiry will be filed. Therefore, a high number of enquiries could signal that you're "credit hungry" or you're taking on a lot of debt. 

You can minimise this by applying a personal loan with a bank which you already have a credit card with as they would already have your records.

bank loan

Limit Your Loan Amount


You can improve your chances of securing a loan by applying for a smaller loan amount. This is because smaller loans are deemed to have a lower risk by banks and are easier to grant. Moreover, a smaller loan amount also helps prevent you from overleveraging, so that you can keep your debt manageable. 

singapore dollars cash

Convert Your Credit Card Limit


If you have any unused credit limit on your credit card, you can convert the unused credit into cash. This can be done instantly if you have a deposit account with a bank, or a few days if you don't. 

singpass

Apply With SingPass MyInfo


Applying via SingPass MyInfo allows a bank to pull your personal data such as your income, employment details, contact number, and identify. This negates the need of pre-filling forms, expediting your loan application and approval in the process. 

What Are The Types Of Loans With Fast Approvals

personal loan

Personal Loans

Personal loans are unsecured loans that often have a straightforward application process, and therefore have fast approval times. 

cash advance

Cash Advances

Cash advances enable you to turn your available credit card limit into cash, allowing you to receive the money immediately in your bank account from any ATMs locally or around the world. You can also receive the money online or from bank branches. However, note that this comes with high interest and fees.  

woman smilling at credit card and phone

Balance Transfers

 

Balance transfers are short-term cash facilities that allow you to convert your credit card card available limit to cash for up to 12 months, at 0% interest. The catch is that you'll be charged a one-time processing fee, and you'll be charged a high interest if you default the remaining payment at the end of the payment term. 

laptop and credit card

Credit Lines

Personal lines of credit is a revolving credit facility where you borrow up to a fixed amount (up to four times your monthly income) for emergencies. The interest is charged on the amount used. 


Common Reasons Your Fast Loan Approval Gets Rejected

When transferring credit card points to airline miles, prioritise maximising value. Consider transfer ratios, transfer times, and conversion fees. Choose cards compatible with frequent flyer programmes like KrisFlyer. Explore bonus categories and promotions to accumulate bonus miles more efficiently. Be mindful of miles' validity and expiry. 

Low Credit Score

Your credit score is a 4-digit number that indicates your financial health and how responsible you are when repaying debts. 

If you have a low credit score, lenders will view you as a "high-risk" client, making it harder for you to get the loan you need.

High Debt-to-Income Ratio

In Singapore, the Total Debt Servicing (TDSR) ratio is a framework that indicates the maximum amount you can spend on your monthly debt repayments. Your loan application may be declined if your TDSR is more than 55% of your gross monthly income.  

Unstable Employment History

Frequent job changes or a lack of stable employment history may raise concerns for lenders, affecting your loan approval chances.

Insufficient Income

Most banks require you to have a minimum annual income of S$30,000 for Singapore citizens or PRs, or S$40,000 for foreigners. If your income is below that threshold, it's likely that your loan may be declined. 

Bad Credit History


A history of late payments, defaults, or bankruptcies will also result in a bad credit history, which may lead to a loan rejection.

Lack Of Credit History Information


If you don't have a credit history, you likely don't have a credit score, which makes it hard for banks or financial institutions to evaluate you. 


Frequently Asked Questions

The fastest loans to obtain are personal loans, balance transfers, cash advances, and payday loans. However, it's crucial to exercise caution and carefully review terms, including interest rates and fees, before committing to any loan in Singapore.

As personal loans are not secured by collateral—such as your home—banks generally limit the amount you can borrow to your income level.

Generally, the maximum loan you can borrow is 2X your monthly salary if your annual income is less than S$30,000 and 4X your monthly salary if your income is S$30,000 and above.

High-income earners earning S$120,000 or more annually can borrow up to 10X their monthly income.

EIR stands for Effective Interest Rate, which is the true cost of borrowing on a loan.

It considers the fees involved, including administrative and processing fees. It also takes into account the loan tenure and frequency of the repayments. As such, the EIR helps consumers compare different loan offers and make informed decisions.

SingSaver Exclusive: Travel Insurance Promotions in Singapore

Schengen Travel Insurance Plans

Best for COVID-19 coverage and adventure sports equipment cover: TIQ Travel Insurance

Exclusive Offer
Best Value

Tiq Travel Luxury

Tiq Travel Luxury

Cancellation coverage

S$
10,000

Medical Coverage (Overseas)

S$
1,000,000

Bags & Belongings Coverage

S$
3,000
See more
See less

獎勵

Use the promo code TIQSINGSAVER to get 47% off when you buy now. Valid till 17 April 2024. T&Cs apply.

Earn a total of 4 miles per S$1 spend on your premium. Valid till 2 May 2024 8:59 am. Travel Miles Campaign and Additional 2 Miles Travel Giveaway T&Cs apply.

Apply via SingSaver to get the best deal, guaranteed. Read more about our Best Deal Guarantee here.

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TIQ also distinguishes itself with its extensive coverage for COVID-19 and its inclusion of adventure sports protection. You can enjoy a peace of mind with COVID-19 coverage that extends up to S$500,000 for medical expenses related to the virus, ensuring you are well-protected in case you contract it during your trip or even before. 

Additionally, TIQ offers coverage of up to $5,000 for non-refundable expenses if you need to cancel or postpone your trip within 14 days of your departure date.

It's important to note that COVID-19 coverage is available as an add-on, starting at S$45 (for a 10-day trip to Germany). However, considering the substantial coverage it provides, the additional cost is well justified.

For travellers planning adventurous activities, TIQ has you covered. They offer an optional sports equipment cover that provides protection for equipment such as golf clubs, diving gear, fishing equipment, bicycles, ski gear, snowboards, and climbing equipment, with coverage extending up to S$4,000.

SingSaver's Exclusive TIQ Travel Insurance Promotion: Use the promo code TIQSINGSAVER to get 47% off when you buy now. Valid till 17 April 2024. T&Cs apply. Plus, earn a total of 4 miles per S$1 spend on your premium. Valid till 2 May 2024 8:59 am. and T&Cs apply.

Key in the promo code under the coupon code section on the next page after selecting your destination and dates. The prices shown are before discounts.

Receive coverage for trip cancellations, medical expenses, and more when you purchase the COVID-19 Rider. T&Cs apply.


Real User Reviews of Tiq Travel Luxury Travel Insurance Plan

"Claim process online was easy and fast."

What others are saying about this plan?

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What others are saying about this card?

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Rating Group - 5
Reviewed by Seedly User, ZiHan Foong

[Claims Process]

Lost baggage claim when I’m back to Singapore. Claim process online was easy and fast. Received the claim amount within a day via etiqa online account upon submission of all required documents

Rating Group - 5
Reviewed by Seedly User, Gerry

i bought the annual insurance last sep 2019 before i went for my trip. the claims are really fast and i am talking about hours in claim processing. I sent in my invoice at 1pm and the money was cashed in at 4pm!!! also, customer service is pretty fats in responding as well!!! of coz i did a lot of the things in app as to online i can’t comment.

 


Best for families: Direct Asia Travel Insurance

Popular

Direct Asia Travel Insurance - DA500

Direct Asia Travel Insurance - DA500

Cancellation coverage

S$
15,000

Medical Coverage (Overseas)

S$
500,000

Bags & Belongings Coverage

S$
5,000
See more
See less

獎勵

Enjoy 40% discount when you buy now. Valid till 30 April 2024. T&Cs apply.

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If you’re bringing your kids along on your trip with you, Direct Asia Travel Insurance might be your new go-to travel insurance because, firstly, it offers complimentary coverage for up to 4 children.

Though most family plans offered by insurers come at a fixed price no matter how many kids you have, they might still have extra costs beyond just paying for 2 adults. But for Direct Asia, your’re just paying for 2 adults if you opt for a family plan.

On top of that, the coverage for each child and adult is the same, meaning that your children are still able to claim up to the same claim limit as you, up to the limit set by the family plan. If you compare to other travel insurance plans, some offer much lower coverage for children. This gives you the peace of mind of knowing that your children are sufficiently covered as well!

When it comes to medical expenses, Direct Asia offers coverage for treatment received overseas and when you’re back in Singapore. They even cover Traditional Chinese Medicine (TCM) treatment up to S$750 which not many other plans offer — great for those who are strong believers of TCM and their benefits.

Direct Asia Travel Insurance Promotion: Enjoy 40% discount when you apply NOW! Valid till 30 Apr 2024. T&Cs apply.


Best value-for-money: FWD Travel Insurance

Exclusive Offer
Best Value

FWD First

FWD First

Cancellation coverage

S$
15,000

Medical Coverage (Overseas)

S$
1,000,000

Bags & Belongings Coverage

S$
7,500
See more
See less

獎勵

The right policy for you if you want:

  • Hassle-free claims so you get reimbursed easily and quickly
  • Affordable comprehensive coverage for worry-free travel
  • 50% reimbursement, even if you have to cancel your trip for any reason
  • Enhanced benefits with add-ons for pet care, home content cover, sports equipment and more

Use promo code TRAVEL25 to get 25% off on your plan. Valid till 15 April 2024. T&Cs apply.

Earn a total of 4 miles per S$1 spend on your premium. Valid till 2 May 2024 8:59 am. Travel Miles Campaign and Additional 2 Miles Travel Giveaway T&Cs apply.

Purchase via SingSaver to get the best deal, guaranteed.

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If you subscribe to the belief that "having some coverage is better than having none" and prioritise affordability, FWD Travel Insurance could be an excellent choice for you. Their plans kick off at just S$60.72 for a 10-day trip to Germany, making them the most budget-friendly option available.

However, when it comes to comparing the extent of coverage, it doesn't fall short. They provide substantial overseas medical coverage, allowing claims of up to S$1,000,000. Additionally, their coverage for trip cancellation is quite generous, offering up to S$15,000 in protection.

The only drawback is that the plan doesn't include COVID-19 coverage as a standard feature, but you can opt for an add-on rider at an additional cost of S$21.54 (for a 10-day trip to Germany). This rider offers coverage of up to S$200,000 for medical expenses related to COVID-19, a daily overseas quarantine allowance of S$50 for a maximum of 14 days, and trip disruption coverage of up to S$5,000.

Beyond its cost-effectiveness, FWD Travel Insurance boasts a hassle-free claims system and efficient customer service. You can easily submit your claims via the FWD SG App and seek assistance if needed.

Also, FWD just added coverage for trip cancellation, postponement or curtailment for any reason, up to S$6,000. This is only applicable if you purchase the add-on within 7 days from the initial trip deposit for your trip.

 

SingSaver's Exclusive FWD Promotion: Use the promo code TRAVEL25 to get a 25% discount on Single Trip and Annual Trip plans! Valid till 15 April 2024. T&Cs apply.

Earn a total of 4 miles per S$1 spend on your premium. Valid till 2 May 2024 8:59 am. and T&Cs apply.


Real User Reviews of FWD Travel Premium Plan

"Purchasing a FWD travel was simple and fuss free."

What others are saying about this plan?

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What others are saying about this card?

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Rating Group - 5
Reviewed by Seedly User, Roger

[The process to purchase insurance was seamless and easy. Payment was convenient as well and able to pay using Paynow and grabpay even. Recommended!

Rating Group - 5
Reviewed by Seedly User, Seah

Purchasing a FWD travel was simple and fuss free. You could simply purchase on their website and adjust the coverage you need without an agent. Q&A is promptly replied by their customer service support

 

Best for comprehensive coverage: Singlife Travel Insurance

Exclusive Offer
Best Value

Singlife Travel Prestige

Singlife Travel Prestige

Cancellation coverage

S$
20,000

Medical Coverage (Overseas)

Unlimited

Bags & Belongings Coverage

S$
8,000
See more
See less

Exclusive SingSaver Promotion

The right policy for you if you want:

  • Comprehensive coverage for frequent flyer points
  • Comprehensive coverage for outdoor activities

  • 50% reimbursement, even if you have to cancel or change your travel dates

  • Additional discounts for MINDEF/MHA/POGIS policyholders

Use the promo code TRAVEL25 to get 25% off when you buy now. Valid till 30 April 2024. T&Cs apply.

Earn a total of 4 miles per S$1 spend on your premium. Valid till 2 May 2024 8:59 am. Travel Miles Campaign and Additional 2 Miles Travel Giveaway T&Cs apply.

Purchase via SingSaver to get the best deal, guaranteed.

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For those seeking the most comprehensive travel insurance package, Singlife offers an exceptional all-encompassing policy that provides extensive coverage, even for unique scenarios such as the loss of bridal accessories, inclement weather conditions, and trip cancellations for any reason.

With Singlife's Travel Prestige plan, you can benefit from an impressive feature that includes unlimited coverage for medical expenses, a rarity among insurers. 

Their coverage for travel cancellations extends up to S$15,000, while trip cancellation for any reason is capped at S$5,000 for Travel Plus and Travel Prestige Plans. This means you have the flexibility to cancel your plans due to conflicting events, changes in your itinerary, or simply a change of heart. However, the caveat is you have to purchase your policy within seven days of booking your flights or hotels to qualify for a claim.

Singlife also provides a unique benefit of rainfall coverage, offering compensation of up to S$150 in the event of rainfall exceeding 6.4mm within a 24-hour period, should it disrupt your travel plans. Furthermore, their coverage extends to adventurous activities like white-water rafting, jet skiing, and kayaking, making it an ideal choice for those seeking overseas sports adventures.

Notably, this plan includes COVID-19 coverage, providing up to S$200,000 for overseas medical expenses.

Singlife Travel Insurance Promotion:

Single Trip: Enjoy a 25% discount when you use the promo code TRAVEL25 for Single Trip. Valid till 30 April 2024. T&Cs apply.

Annual Trip: Use promo code ANNUAL20 to get 20% off Annual Trip plans and get up to SGD 100 UNIQGIFT Vouchers from Singlife. Valid till 14 April 2024. T&Cs apply.

Earn a total of 4 miles per S$1 spend on your premium. Valid till 2 May 2024 8:59 am. and T&Cs apply.


Real User Reviews of Singlife Travel Prestige

"When we have outpatient medical claims e.g. kids fall ill... Singlife is always quite prompt..."

What others are saying about this plan?

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What others are saying about this card?

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Rating Group - 5
Reviewed by Seedly User, Rachel

[Customer Service]
Claims executive that handled my case was professional and efficient. 
[Claims Process]
It was a pleasant experience having my claim processed.
 

Rating Group - 5
Reviewed by Seedly User, Da Ben

Claiming is easy and fast. They transfer the claims directly via PayNow which is convenient and faster than sending Cheques and having to bank them in. 
 
 
 

 

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What kind of coverage does Schengen Travel Insurance typically offer?

Schengen Travel Insurance typically offers similar coverage to standard travel insurance, consisting medical expenses, hospitalisation, baggage loss, delayed flights etc. The only difference is that Schengen Travel Insurance Policies offer at least €30,000 (~S$44,000) of medical coverage, which must include repatriation of remains, to meet the Schengen Agreement requirements. Reviewing the policy terms is important so you can understand the coverage and exclusions.


How different are the exclusions for Schengen Travel Insurance?

While there may be some similarities, the exclusions for Schengen Travel Insurance can be specific to visa requirements and the Schengen Area. Common exclusions, such as pre-existing conditions and hazardous activities, might align with those in standard travel insurance, but it's essential to check policy details as there can be variations.


What are the list of countries in the Schengen area?

Generally, Schengen insurance is required for travellers visiting countries within the Schengen Area, which consists of 27 European countries that have abolished passport control at their mutual borders.

  • Austria
  • Belgium