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Best Personal Loans For Low Income Earners In Singapore 2024

Banks and financial institutions are strict when it comes to giving personal loans to borrowers. For example, they require you to have a minimum annual income requirement, and also limit the amount you can borrow based on your annual income. However, if you need an urgent injection of funds, that's not to say you can't get a personal loan approved if you're a low-income earner. Unless you decide to look for financial assistance from the government.

If you're looking for a personal loan with a lower income requirement, here are the best personal loans to consider in Singapore.

 

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Banks and financial institutions are strict when it comes to giving personal loans to borrowers. For example, they require you to have a minimum annual income requirement, and also limit the amount you can borrow based on your annual income. However, if you need an urgent injection of funds, that's not to say you can't get a personal loan approved if you're a low-income earner. unless you decide to look for financial assistance from the government.

If you're looking for a personal loan with a lower income requirement, here are the best personal loans to consider in Singapore.

 
  • POSB Personal Loan: Borrow up to 10X your monthly salary
  • OCBC ExtraCash Loan:  Low minimum annual income requirement
  • Standard Chartered CashOne Loan: Lowest interest rate
  • CIMB Personal Loan: Borrow up to o early repayment fee, and processing fee waived off for loans S$5,000 and above
  • Citi QuickCash Loan: Low interest rates and no processing and administrative fees
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Best Personal Loans For Low-Income Earners

 

Here's an overview of the best personal loans with the lowest income requirements. Besides the income requirement, also take note of the interest rates, fees, loan limits, and tenure. 

Personal Loan Min. Annual Income Interest Rate And Fees Loan Limit And Tenure
posb
POSB Personal Loan

S$20,000 (Singapore citizens, PRs, and foreigners) From 3.88% p.a. + 1% processing fee
(EIR 7.56% p.a.)
Maximum loan: up to 10X your monthly income

Loan tenure: 1 to 5 years
Standard_Chartered_(2021) 1
Standard Chartered CashOne Personal Loan

S$20,000 (Singapore citizens and PRs)

S$60,000 (foreigners)
From 2.88% p.a. (EIR from 5.84% p.a.)

S$199 processing fee (first year only)
Maximum loan: up to 4X your monthly income

Loan tenure: 1 to 5 years
logo_ocbcbank-horizontal
OCBC ExtraCash Personal Loan

S$20,000 (Singapore citizens and PRs)

S$45,000 (foreigners)
From 2.88% p.a. (EIR from 5.84% p.a.)

S$199 processing fee (first year only)
Maximum loan: up to 6X your monthly income

Loan tenure: 1 to 5 years
CIMB-Logo
CIMB Personal Loan

S$20,000 (Singapore citizens and PRs) From 3.38% p.a. (EIR 6.32%)

1% processing fee for loan amount less than S$5,000; waived for loan amounts S$5,000 and above
Maximum loan: up to 8X your monthly income (with annual incomes of S$120,000 and above)

Loan tenure: 1 to 5 years 

Citibank-logo-01-300x173

Citi Quick Cash Loan

S$30,000 (Singapore citizens and PRs)

S$45,000 (foreigners)
From 3.45% p.a. (EIR 6.50% p.a.)

No processing fee
Maximum loan: up to 4X your monthly income 

Loan tenure: 1 to 5 years

 


What Is The Minimum Income For Personal Loans?

In general, most banks or financial institutions require you to have a minimum annual income of S$20,000 (for Singaporeans and Singapore PRs). For foreigners, the threshold is higher at S$40,000. However, this varies from bank to bank, and some may have higher annual income thresholds — S$30,000 for Singaporeans and Singapore PRs, and S$60,000 for foreigners.

 

Why Do banks Have A Minimum Salary Requirement For Personal Loans?


A personal loan is an unsecured loan, meaning you can borrow without any collateral. As such, to safeguard themselves, banks screen applicants according to their ability to repay the loan. One of those ways includes requiring applicants to have a minimum salary requirement.   

However, banks also consider other aspects like credit history and employment stability to make informed lending decisions.

Risk Mitigation


Banks evaluate the risk associated with lending money. By setting a minimum salary requirement, they aim to lend to individuals with a stable income, reducing the risk of default on loan payments.

Creditworthiness


The minimum salary requirement is often used as a proxy for assessing the creditworthiness of an individual. Higher income levels may be associated with better financial stability and a lower likelihood of default.

Loan Amount Considerations


The minimum salary requirement may vary based on the loan amount requested. Higher loan amounts may necessitate a higher income to ensure that the borrower can comfortably manage the repayment.

 

What Can You Use A Personal Loan For?

emergencies
study loan
wedding expenses
debt consolidation

Urgent Cash Needs


Since personal loans are processed and approved very quickly, they can be suitable for sudden emergency expenses that require urgent cash.

These include unexpected medical expenses, accidents, urgent repairs, family emergencies, etc. 

Study Loans and Fees


You can use a personal loan to fund your education and school fees or when a study loan isn't available. 

Wedding Expenses

Weddings can be costly affairs, so a personal loan can help alleviate some of the burden and help make your wedding expenses more manageable. 

Debt Consolidation


You can also take a personal loan for debt consolidation, where you combine all your high-interest debts, such as credit cards, into one fixed monthly instalment.

This not only helps to streamline your payments, but the interest is also much lower compared to the aggregated interest rates across all your debts. 


What Should Low-Income Earners Look Out For When Applying For A Loan?

interest rate

Interest Rates

When it comes to personal loans, there are two types of interest rates: advertised interest rate and effective interest rate (EIR).

The advertised interest rate only looks at the interest you're charged; it doesn't consider other costs and assumes that the loan principal is the same throughout the loan tenure. 

Meanwhile, the EIR reflects other costs, such as administrative or processing fees. It also takes into account the reduced principal balance over the loan tenure. In other words, the EIR is the true cost of borrowing. 

fees and charges

Fees And Charges

Interest rate isn't the only factor to consider; you should also look out for additional fees and charges.

Examples include application fees, processing fees, early repayment fees, late payment charges, and changes in tenure fees. These fees can significantly impact the overall cost of the loan.

repayment terms

Repayment Terms

Review the repayment terms, including the monthly instalment amount and the loan tenure.

Ensure that you have the means to afford and repay the loan within the loan tenure.

loan amount

Loan Amount

Banks will evaluate different factors before deciding on the borrowing amount. These include your credit score, monthly income, and relationship with a bank.

In general, you can borrow up to 4x your monthly salary if your annual income is S$30,000 to S$120,000, while someone earning S$30,000 or less is limited to 2X of their monthly income.

credit card and phone

Credit Score Impact

If you take on more debts unnecessarily, banks or financial institutions may perceive that you're over-extending yourself, resulting in a lower credit score.

Moreover, your credit score will also be affected if you don't repay your loans on time.

 

magnifying glass and spectacles

Eligibility

You should be at least 21 years old and a Singapore citizen or PR with a minimum annual income of S$20,000.

While some banks don't offer loans to foreigners, there are some that do. But this usually comes with higher income requirements.

woman calculator loans with calculator

Loan Purpose

Take a personal loan only after you've assessed your financial health and existing loan commitments. Ensure that you're able to pay the monthly repayments. 

loan on laptop

Debt-to-Income Ratio

In Singapore, lenders use the Total Debt Servicing Ratio (TDSR) framework when evaluating your personal loan eligibility. 

Your TDSR is the portion you can use to service your debt repayments and should be less than or equal to 55% of your gross monthly income.  

 

How To Make It Easier To Secure A Loan For Low-Income Earners?

Securing a loan can be challenging for low-income earners, but there are steps you can take to improve your chances and make the process easier. Here are some tips:

Good Credit History

Your credit score affects your loan eligibility, so focus on building and maintaining a good credit history.

These include paying your credit card bills/loans on time, staying within your credit limit, limiting the number of open credit facilities, and avoiding overleveraging. A good credit score can enhance your loan eligibility and may result in more favorable terms.

Check Your Eligibility

 

Banks typically require you to have a minimum annual income of S$30,000 if you're a Singapore citizen or PR.

For foreigners, this amount is set at S$40,000. Moreover, some banks only limit their offers to Singapore citizens and PRs.

Co-Signer Or Guarantor

You can bolster your chances of securing a personal loan by having a co-signer or guarantor.

Be sure to select a financially stable co-signer with a good credit history. This helps to give confidence to your lender, which can boost your chances of approval.

Small Loan Amounts

Start with a small loan amount. Banks are more willing to approve smaller loans, especially for individuals with lower incomes.



Frequently Asked Questions

If you don't qualify for a personal loan or find it too expensive, consider alternatives like credit cards, credit unions, home equity loans, and government assistance programs. Additionally, you can seek assistance from family and friends, or financial counseling services. It's crucial to carefully evaluate terms and reputations to avoid potential pitfalls in these alternative lending sources.

If your personal loan application is denied, you can reapply and qualify by taking the right steps. These include getting the basic requirements in order, improving your credit score, finding a co-signer, reducing your debt, managing your cash flow, and increasing your income.





It can be challenging to secure a personal without proof of income. Still, you can improve your chances by providing the relevant documents, making a joint application with someone with a good credit score, improving your credit score, and opting for a co-signer.

Missed payments will result in additional interest charges, late fees, and penalties. Moreover, it will also impact your credit score negatively.

Most personal loans require a minimum annual income of S$30,000. However, you can look for options with lower annual income requirements.

You can provide your payslips (usually within the last two months), the latest CPF contribution history, and the latest Notice of Assessment. You might also need your letter of employment as proof.

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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