Compare and Apply Online for Unsecured Personal Loans Singapore
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Personal Loans in Singapore
There are a few type of personal loans available in Singapore.
Line of credit is a personal loan facility comes with an allocated fund reserved for your perusal. Interest is charged only on the amount that you utilised.
Term loan is a fixed amount loan with a short repayment tenure between 1 to 5 years. You are normally required to make a fixed monthly repayment on this loan.
Whereas express loan provides you with fast cash within 24 hours. This loan is handy especially for emergency cash purpose.
Since these are unsecured personal loan, where no guarantor or collateral required, the amount of loan disburse is normally depends on your monthly income.
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You can enjoy greater flexibility on monthly repayments.
Get extra cash of two times your salary or up to S$100,000 whichever is lower
Attractive interest rate as low as 1.88% p.a. for six months+ when you transfer funds(applies to new HSBC's personal line of credit customer)
Repay as low as 3% of your outstanding amount or $15 per month, whichever is higher
Convenient access to cash at any of the 23 Cold Storage group of stores, HSBC's ATMs, shared atm network in Singapore and over one million PLUS ATMs worldwide
Enjoy one year annual fee waiver
Application requirements
All applicants must be between 21 - 55 years of age.
For Singaporeans and Singapore Permanent Residents:
Minimum annual income of S$30,000.
For self-employed or commission-based earners, minimum annual income of S$40,000.
For foreigners residing in Singapore:
Minimum annual income of S$40,000.
Employment pass validity of at least two years for personal loan and one year for personal line of credit.
ANZ MoneyLine is a flexible line of credit that empowers you to do more with a term loan, overdraft facility or both. This unique 2-in-1 facility gives you the power of extra cash for whenever you need it for all your lifestyle choices.
Features & benefits of MoneyLine
Extra cash of up to S$100,000
Support your lifestyle choices with extra cash of up to 4 times your monthly income.
Low monthly payments
Just S$12 or 3% of monthly balance whichever is higher. Pay only when you use, only the minimum amount needed.
Low interest rates of 1.44% per month
Attractive interest rate at just 1.44% per month or 17.28% per annum.
No guarantor or collateral required
Totally hassle-free, easy application.
Additional benefits
Earn Interest On Credit Balances
Earn interest on credit balances, just like a savings account with no minimum balance required.
2-year Annual Fee Waiver
We will waive the annual fee of $55 for your first two years.
Bank Anywhere, Anytime
Perform banking transactions conveniently and securely with 24-hour Phone and Internet Banking services.
Free Cheque Book
Enjoy free and unlimited cheque usage for all your desired purchases.
Global Access To Cash
Easy access to funds from over 100 ATMs island-wide and at more than 600,000 Cirrus ATMs worldwide with your ATM Card.
Complimentary Credit Card
Access all the privileges available to our Credit Cardmembers.
Need faster access to cash? Get the power of instant cash within the day with MoneyLine Express. You no longer have to wait for your cheque book and ATM card to have immediate cash access.
Application processed and approved within the same day
Simply submit your application with supporting documents*, before 10.45am on a business day (Monday to Friday excluding Public Holidays)
Access to your cash within 24 hours
Withdraw your cash on the same day – or opt for cash disbursement via fund transfer on the next business day
For quick cash to fulfill nearly every lifestyle need you might have, apply immediately online.
* The maximum credit limit will be up to two times your monthly income. Supporting documents required are:
For Salaried Employees:
-NRIC, Latest computerised/electronic payslip OR
-Last 6 months' CPF statement OR
-Latest Income Tax Notice of Assessment
For Commission-Based Earners:
-NRIC, last 3 months' computerised/electronic payslips OR
-Last 2 years Income Tax Notice of Assessment.
For Self-Employed:
-NRIC and last 2 years' Income Tax Notice of Assessment.
Receive up to $200 worth of Isetan vouchers* upon approval.
ANZ MoneyLine is a flexible line of credit that empowers you to do more with a term loan, overdraft facility or both. This unique 2-in-1 facility gives you the power of extra cash for whenever you need it for all your lifestyle choices.
Enjoy low monthly repayments with MoneyLine Term Loan.
MoneyLine Term Loan is a personal loan that gives you
Greater savings with low interest rates
5.8% p.a. for 12 months (Effective interest rate: 11.98% p.a.)
6.8% p.a. for 24 months (Effective interest rate: 13.27% p.a.)
7.8% p.a. for 36 months (Effective interest rate: 14.66% p.a.)
8.8% p.a. for 48 months (Effective interest rate: 15.99% p.a.)
Choose to repay on a 12, 24, 36 or 48-month term in fixed and equal monthly instalments.
Longer repayment tenure of up to 48 months
Greater control over your cash with a fixed monthly repayment plan
Extra cash of up to S$100,000^ to fulfill all your needs and desires
Enjoy the flexibility of paying just 3% of your outstanding balance or $12 (whichever is higher) at any time or the full instalment amount.
Interest is calculated on a front end add-on method. A one-time upfront processing fee of S$80 applies for each approved MoneyLine Term Loan application. An early repayment fee of S$150 is applicable for full repayment before end of loan tenure.
The effective interest rate (EIR) is calculated taking into consideration the S$80 processing fee and based on approved loan amount of S$10,000
*Terms and conditions apply
^ Credit limit is subject to a maximum of up to 4 times monthly income.
Loans and advances in Singapore
As at December 2010, credit card advances in Singapore is amounted to SGD$6,888.9 millions, an increase of SGD$739.2 millions or 12.03% compares to SGD$6,146.7 millions as at December 2009.
It is interesting to note that credit card advances is always at peak during Quarter 4 of the year.
Loan for other private purposes in Singapore is amounted to SGD$51,467.2 millions as at December 2010, an increase of SGD$6,253.6 millions or 13.83% compares to SGD$45,213.6 millions as at December 2009.
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All card applications are strictly confidential.
You are allowed to apply for more than one card.
Your application is safe and secure with SSL encryption technology.
Safe and secure online application with SSL encryption technology.
All card applications are strictly confidential.