GXS Personal Loan Singapore - Fast Approval & Flexible Repayments (2025)
Updated: 11 Sept 2025
Loan | Annual Interest Rate | Monthly Repayment | SingSaver Reward | Trending Reward | Total Cost of Loan | EIR | ||
|---|---|---|---|---|---|---|---|---|
 | Starting from 1.88 % | S$440 | S$400 | S$846 | Starting from 3.47 % p.a. |
- No Fees Interest Rates from 1.88% p.a. (EIR from 3.47% p.a.). Promotional rate valid until 31 July 2025.
- Apply in-app and get your funds in minutes
- A standby revolving credit line which you can draw multiple loans from, from as low as S$200
- Customisable loan tenure from 2 to 60 months depending on loan amount selected
- Flexibility to select your preferred repayment date
- No early repayment fee, plus save on interest when you repay early
- Interest is computed on a daily non-compounding basis
- In-app reminders to repay on time and avoid late interest charges
- Effective Interest Rate (EIR) is calculated based on an average loan amount of S$10,000 with a 36-month repayment period, from 1 Jan 2023 to 1 Jan 2026. T&Cs apply.
- Late interest is chargeable upon late repayment
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.
⚡ SingSaver Flash Deal⚡
Apply and get approved for a GXS FlexiLoan (minimum loan amount S$15,000, 36-month tenure) to unlock up to S$500 Bonus Cash on top of existing rewards, total rewards up to S$1,700 Cash!
💰 S$50,000 and above S$1,200
+ S$500 Bonus
💰 S$30,000 – S$49,999 S$600
+ S$300 Bonus
💰 S$20,000 – S$29,999 S$400
+ S$200 Bonus
💰 S$15,000 – S$19,999 S$300
+ S$100 Bonus
💰 S$10,000 – S$14,999 S$180
💰 S$8,000 – S$9,999 S$120
🎯 How to Qualify
- Offer valid from 1 Sep to 14 Sep 2025
- Apply for a GXS FlexiLoan with a minimum loan amount of S$15,000
- Choose a tenure of at least 36 months
- Get cash rewards via PayNow based on your approved loan amount
- Open to new and existing GXS FlexiLoan customers
GXS FlexiLoan Details
Key Features
- Loan amounts from S$200 to S$150,000
- No paperwork needed, apply directly in the GXS app
- Receive funds within minutes upon approval
- Flexible repayment, choose your repayment schedule (weekly or monthly)
- No early repayment fee
- Loan top-up feature available after repayment
How to Apply
- Download and open the GXS mobile app
- Check loan eligibility in-app
- Select your loan amount and tenure
- Submit application and receive funds upon approval
Interest & Repayment
- Interest rate: Starting from 1.88% based on borrower profile
- Tenure options: 2 to 60 months based on your loan amount
- Repayment schedule: choose weekly or monthly
- Pay early anytime - no penalty
Fees & Charges
- No processing fees
- No early repayment fees
- Late payment fees: S$20 per missed instalment
Other Notable Features
- Top-up feature lets you add funds once you’ve paid down part of the loan
- Built-in reminders and budgeting tools in the app
- Licensed by the Monetary Authority of Singapore (MAS)
Repayment summary
-
Principal loan amount: S$10,000
-
Loan tenure: 1 year
-
Interest rate: 2.99% p.a.
-
EIR: 5.46% p.a.
-
Total interest payable: S$299
-
Total amount payable: S$10,299
-
Monthly instalment: S$858.25
-
Maximum loan tenure: 5 years
-
Processing fee: S$0
Eligibility
-
Citizenship status: Singaporeans and PRs
-
Age requirement: 21-65 years old
-
Minimum annual income: S$20,000
Pros & cons
Pros
Quick application and disbursement via app
No hidden fees or early repayment penalties
Caters to low-income borrowers and gig workers
Flexible loan amounts and short tenures
Cons
Low loan limit (max S$150,000)
High interest rates for some borrowers with bad credit profile
Requires GXS app and smartphone access
How to apply for the GXS Personal Loan
-
Click the “Apply Now” button on this page
-
Download and open the GXS mobile app
-
Check loan eligibility in-app
-
Select your loan amount and tenure
-
Submit application and receive funds upon approval
-
Receive your rewards via Singsaver within 4-12 weeks
Comparison to other loans
|
Loan |
Monthly Repayment |
Annual Interest Rate |
Total Cost of Loan |
EIR |
|
GXS FlexiLoan |
S$293 |
1.88 % |
S$564 |
3.47 % p.a. |
|
UOB Personal Loan |
S$293 |
1.85 % |
S$555 |
3.40 % p.a. |
|
Standard Chartered CashOne Personal Loan |
S$291 |
1.60 % |
S$480 |
3.07 % p.a. |
|
Trust Bank Instant Loan |
S$294 |
1.99 % |
S$597 |
3.80 % p.a. |
|
DBS Personal Loan |
S$294 |
1.99 % |
S$597 |
3.80 % p.a. |
|
CIMB Personal Loan |
S$291 |
1.56 % |
S$468 |
2.99 % p.a. |
|
HSBC Personal Loan |
S$296 |
2.20 % |
S$660 |
4.00 % p.a. |
|
EZ Loan |
S$377 |
11.88 % |
S$3,564 |
11.88 % p.a. |
|
Cash Direct |
S$374 |
11.60 % |
S$3,480 |
11.60 % p.a. |
|
Credible.sg Personal Loan |
S$378 |
12.00 % |
S$3,600 |
14.00 % p.a. |
|
JD Credit Pte Ltd |
S$402 |
14.88 % |
S$4,464 |
14.88 % p.a. |
|
POSB Personal Loan |
S$294 |
1.99 % |
S$597 |
3.80 % p.a. |
Frequently Asked Questions about the GXS Personal Loan
You must earn at least S$20,000 annually to be eligible for a GXS FlexiLoan.
If you're eligible, your GXS FlexiLoan application is typically approved in under 3 minutes.
The minimum monthly repayment for a FlexiLoan Balance Transfer is either S$15 or 1% of the loan, whichever is higher.
Applicants must be between 21 and 65 years old to qualify for a GXS FlexiLoan.
Related pages
Personal loan pages
Loan providers
