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STEP 2

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Personal Loan

What is a personal loan ?

A personal loan is an unsecured facility which you do not need guarantor and collateral. It is a discipline solution with fixed monthly installment catered to individual needs. It provides you with the flexibility of up to 7 years repayment tenor.

Advantages of applying with us :

  1. Applying process – Our friendly tele executive will assist throughout the whole application.
  2. Personal courier services – We provide personal courier services to your door step.
  3. Fulfillment – Our professional fulfillment officer will ensure all documentation are in place for smoother processing.

What personal loan do i qualify for ?

Most lenders will look at your annual income, credit history, and credit history to see if you qualify for a personal bank loan. These requirements can vary from bank to bank, and according to your residency status.

Personal Loan Requirements for Singaporeans and Permanent Residents

Here are some of the requirements Singaporeans and Permanent Residents need to fulfill before they can get a bank personal loan. In general, as long as you are employed or self-employed and meet the annual income requirement, has a free for you to apply the loan.

  • Eligibility 21 – 65 years old
  • Have a minimum annual income of S$30,000 above.
  • Photocopy of your NRIC, front and back
  • E-CPF submission
  • Latest Income Tax Notice of Assessment
  • Latest 3 months computerized/electronic payslip
 

Personal Loan Requirements for Foreigners

Here are some of the requirements foreigners need to fulfill before applying for a personal loan. In general, foreigners need to be Employment Pass  and S Pass holders to qualify for a bank personal loan.

  • Have a minimum annual income of S$40,000 above
  • An employment pass, with at least 1 year validity
  • Latest 3 months computerized/electronic payslip
  • Latest proof of billing
Highlights
Personal Loan
Exclusive low interest rate from 6.5% p.a (EIR 12% p.a)
Loan amount of up to 8 times your monthly income*
Longest loan tenor of up to 7 years*
Fixed monthly repayments
Processing take between 7-14 working days
Terms and condition apply
EIR refers to the maximum Effective Interest
For approved applications submitted via online. The customers must also consent to receive direct marketing and promotional materials from indicator on the letter of instruction.Rate.
Highlight
Credit Card
Best for families
Best for cashback on all your spending
Best for rewards on online and dining spending
Processing take between 7-14 working days
Terms and condition apply
For approved applications submitted via online. The customers must also consent to receive direct marketing and promotional materials from indicator on the letter of instruction.
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Credit Card

What is credit card ?

Credit cards allow account holders to make purchases on credit without having to put up cash at the point of sale. The amount of a credit card, usually called a credit limit, is determined by the card holder’s credit score and income.

Advantages of applying with us :

  1. Get 5% cash rebate on your family spend
  2. Earn Rewards points on all spend
  3. Earn Cash Back

What credit card do i qualify for ?

Most lenders will look at your annual income and needs on each credit card. These requirements can vary from bank to bank, and according to your residency status.

Credit Card Requirements for Singaporeans and Permanent Residents

Here are some of the requirements Singaporeans and Permanent Residents need to fulfill before they can get a credit card. In general, as long as you are employed or self-employed and meet the annual income requirement, has a free for you to apply.

  • Eligibility 21 – 65 years old
  • Have a minimum annual income of S$30,000 above.
  • Photocopy of your NRIC, front and back
  •  Latest 12 months CPF Contribution History Statement
  • Latest Income Tax Notice of Assessment
  • Latest 3 months computerized/electronic payslip
  • Photocopy of passport
 

Credit Card Requirements for Foreigners

Here are some of the requirements foreigners need to fulfill before applying. In general, foreigners need to be

  • Eligibility 21 – 65 years old
  • Have a minimum annual income of S$40,000 above
  • An employment pass, with at least 6 month validity
  • Latest computerized payslip or salary crediting to your bank account (in Singapore dollars)
  • Latest proof of billing computerized/electronic payslip
  • Photocopy of passport