Compare GXS Balance Transfer Personal Loans in Singapore (2026)
Updated: 31 Dec 2025
Find out how much you can save with GXS Balance Transfer Personal Loans in Singapore. Compare interest rates, repayment flexibility, and choose the best BT loan with SingSaver.
✅ Fast Approval, Disbursement & Flexible Loan Tenure
Loan | Annual Interest Rate | SingSaver Reward | Trending Reward | EIR | Monthly Repayment | |
|---|---|---|---|---|---|---|
 | From 0.00 % | - | - | From 4.13 % p.a. | S$1,500 |
GXS FlexiLoan (Balance Transfer)
Processing Fee
S$ S$
203Monthly Repayment
S$ S$
1,500EIR
From 4.13 % p.a.Interest Payable
S$ S$
01. Download the GXS app.
2. Click "Sign Up" for GXS FlexiLoan
3. Get your funds within minutes upon approval.
- Instant cash at 0% interest (EIR 4.13% p.a.)
- Low monthly repayments starting at as little as 1% of loan amount (min. S$15)
- Repay the remaining of your loan amount at the end of your loan tenure
- One-time low processing fee from 1.35% of your loan amount
- Flexible loan duration from 4 to 12 months
- Repay early anytime with no early repayment fee
- Note: EIR and processing fee is calculated with S$10,000 as principal drawn from 1 Jan 2024 with 1% monthly repayment and 4 month tenure
- Note: Actual rates and figures may differ from what is shown during the application. T&Cs apply.
Eligibility
Minimum Age: 21 years old
Min. Annual Income: S$20,000
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.
Pros
Fast and easy balance consolidation through app
0% interest rates
Low processing fees
Flexible tenures and repayment plans
Smart budgeting tools included in GXS app
Cons
May not be suitable for non-digital or offline users
Interest rates vary significantly based on risk profile
App-based application only; no in-person option
Why Trust SingSaver
Frequently Asked Questions about the GXS FlexiLoan
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GXS FlexiLoan – Balance Transfer Overview
Key Features
- Loan amounts from S$200 to S$150,000
- Zero paperwork, apply conveniently via the GXS app
- Balance consolidation: clear multiple credit card or personal loan balances in one go
- Instant fund disbursement after approval
- Flexible repayment options: weekly or monthly schedules
- No early repayment fee
How to Apply
- Download and log in to the GXS mobile app
- Check eligibility for Balance Transfer
- Select the loan amount and desired tenure
- Submit the request and receive funds into your designated account
Interest & Repayment
- 0% Interest rates
- Tenure: from 4 up to 12 months
- Repayment frequency: weekly or monthly
- No penalty for early repayment
- Low minimum monthly repayment starting from S$15 or 1% of the loan (whichever is higher)
Fees & Charges
- One time low processing fee starting from 1.35%
- No early repayment fees
- Late payment fees: S$20 per missed instalment
Pros & Cons
✅ Pros
- Fast and easy balance consolidation through app
- 0% interest rates
- Low processing fees
- Flexible tenures and repayment plans
- Smart budgeting tools included in GXS app
❌ Cons
- May not be suitable for non-digital or offline users
- Interest rates vary significantly based on risk profile
- App-based application only; no in-person option
Other Notable Features
- Top-up feature available after partial repayment
- Licensed by the Monetary Authority of Singapore (MAS)
- Use loan to pay off higher-interest debt across credit lines, cards, and loans
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