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Best Personal Loans For Foreigners In Singapore

If you're a foreigner seeking a personal loan in Singapore, you might find it more challenging to qualify for one. That's because banks in Singapore typically have stricter eligibility requirements for foreigners, such as higher annual income requirements. 

However, that's not to say that you can't get a personal loan in Singapore. Indeed, many banks in Singapore offer personal loans to foreigners. If you're a foreigner looking to get a personal loan in Singapore, check out the best personal loans for foreigners in Singapore below. 

 

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: Borrow up to 4x of your monthly salary, or up to S$250,000
  • DBS/POSB Personal Loan: Minimum annual income of just S$20,000 
  • OCBC ExtraCash Personal Loan: Borrow up 6x of your monthly salary
  • Citi Quick Cash Loan: Get up to 8x of your monthly income 
  • HSBC Personal Loan: Minimum annual income requirement of just S$40,000
Discover the best Travel Insurance plans and buy instantly

Best Personal Loans For Foreigners In Singapore

A personal loan can be useful in various situations, such as for emergencies, large expenses, or when you're facing cashflow issues. Below is a quick summary of the best personal loans for foreigners in Singapore. 

Personal loan Minimum annual income requirement Interest rate and processing fee Repayment tenures Maximum loan amount
Standard_Chartered_(2021) 1
Standard Chartered CashOne Personal Loan
S$60,000 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 Up to 4x your monthly salary
DBS-Bank-logo (2) 1
DBS/POSB Personal Loan



S$20,000 Interest rate: from 3.88% p.a. + 1% processing fee (EIR from 7.56% p.a.) 6 months to 2 years Up to 10x your monthly salary

logo_ocbcbank-horizontal
OCBC ExtraCash Personal Loan

S$45,000 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 Up to 6x your monthly salary

Citibank-Logo 1 (2)
Citi Quick Cash Loan

S$42,000 Interest rate: from 3.45% p.a. (EIR 6.50% p.a.)

Processing fee: none
1 to 5 years Up to 4x your monthly income (or up to 8x your monthly income if your annual income is at least S$120,000)

HSBC-Logo (1) 1
HSBC Personal Loan

S$40,000 Interest rate: from 3.60% p.a. (EIR 6.50% p.a.)

Processing fee: 1% of the approved loan amount, or a minimum of S$88 (waived for HSBC Premier customers)
1 to 7 years Up to 1x your monthly income, capped at S$200,000

Eligibility Requirements And Documents For Foreigners To Apply For A Personal Loan

To be eligible for a personal loan as a foreigner in Singapore, you typically need to meet the following criteria: 

good credit score
loan eligibility
loan guarantor
singapore passport

Minimum Age


You should be between the ages of 21 and 70 years old to be eligible for a personal loan.

Annual Income


For foreigners, banks typically require you to have annual incomes ranging from S$40,000 to S$60,000 as an income criterion to be eligible for a personal loan. 

Valid Employment Pass Or Work Permit


You'll also need a valid Employment Pass or Work Permit with a validity period of at least 6 months from loan approval and at least 1 year from loan disbursement date. 

Supporting Documents


For foreigners, you need a copy of your passport, Employment Pass, Work Permit, residential address, employment letter, and proof of income (computerised payslips). 


Frequently Asked Questions

The maximum amount a foreigner can borrow for a personal loan in Singapore is generally 4 to 6 times his or her monthly salary. However, if your annual income is at least S$120,000, you can borrow up to 8 to 10 times your monthly salary. 

Foreigners need a valid Employment Pass or Work Permit, proof of employment, proof of income, and their passports to apply for a personal loan in Singapore. 

Thus, if you're a Long-Term Visit Pass (LTVP) holder in Singapore, you may face challenges when applying for loans as you don't meet these criteria.

That said, some lenders may consider other factors, such as the applicant's credit history, assets, and ability to repay the loan. It's advisable for LTVP holders to inquire directly with banks or financial institutions to understand their eligibility for loans and explore alternative options if needed.

Besides personal loans, you can also consider balance transfers, personal lines of credit, and debt consolidation plans if you need options for managing and paying off debt. 

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
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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
  • Croatia
  • Czech Republic
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Greece
  • Hungary
  • Iceland
  • Italy
  • Latvia
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • Malta
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Slovakia
  • Slovenia
  • Spain
  • Sweden
  • Switzerland

 


How to choose the best Schengen Travel Insurance?

To choose the best travel insurance in Europe, identify your needs, compare providers for coverage and costs, and ensure it aligns with your plans. Balance affordability with the right level of protection.

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Coverage limits

Ensure that the insurance coverage meets or exceeds the minimum requirements set by the Schengen consulates, which typically include coverage for medical expenses, repatriation, and emergency evacuation.

Medical coverage

Europe is known for its high-quality healthcare systems, but access can be costly for travellers. Comprehensive medical coverage ensures you can receive the necessary treatment without worrying about exorbitant expenses. For instance, if you fall ill and require hospitalisation in Europe, adequate coverage ensures you get proper care without financial strain.

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Destination of coverage

The insurance should cover the entire duration of your stay in the Schengen Area. Some policies may offer coverage on a daily, monthly, or annual basis.

Compliance with Schengen Visa requirements

Verify that the insurance policy explicitly states that it complies with Schengen visa requirements. The policy should include a specific statement indicating coverage for medical expenses, repatriation, and emergency evacuation up to the required limits.

 


What's the difference between a Schengen Travel Insurance and a Schengen Visa?

The main difference is that Schengen travel insurance is a financial protection product that you purchase to cover potential risks during your travels, while a Schengen visa is an entry permit issued by a Schengen country that regulates your stay within the Schengen Area.


What are the travel requirements specific to Schengen Countries in Europe?

Schengen Visa
Obtain a Schengen visa for short stays, allowing free travel within 27 member countries. Include required documents like travel insurance, accommodation proof, and itinerary.
 
However, this is not mandatory but it does allow for a more seamless and hassle-free travel experience between the other European countries.
Schengen Travel Insurance

You're only required to get a Schengen travel insurance if you're applying for a Schengen visa.  You'll have to purchase a policy that offers at least €30,000 (~S$44,000) for medical expenses and repatriation.

Valid passport
Your passport has to be issued within the previous 10 years and valid for at least 3 months after the date you intend to leave the EU.
ETIAS Entry Authorisation