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Need cash urgently but not sure where to turn? Licensed moneylenders in Singapore can be a helpful option when you’re facing short-term financial stress.

Looking to unlock some of the value tied up in your property? A cash-out refinance lets you access cash by replacing your existing home loan with a new, larger one, using your private property as collateral.

A payday loan in Singapore is a short-term, high-cost loan from a licensed moneylender, meant to tide you over until your next salary. Interest is capped by law at 4% a month, and you must verify your identity in person before the loan is paid out.

Refinancing your mortgage can help reduce monthly payments, shorten your loan term, or give you access to your home's equity.

The best time to refinance your mortgage in Singapore is when your lock-in period is about to end. Start comparing packages about four months beforehand, since most banks need three months' notice. With fixed refinancing packages starting from around 1.40% to 1.45% p.a. in September 2026, refinancing is especially worth considering if you're now paying your bank's board rate.