Personal Loans – Finspire

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WHAT IS A LOAN?

Short-term loans let you borrow money for a short period—typically a few months up to a year—with monthly repayments that include interest.

In Singapore, the loan amount and term depend on the licensed moneylender or bank, but you could borrow up to S$3,000 or more, depending on your income and credit profile.

Interest rates are usually higher than standard personal loans because short-term loans carry more risk.

These are typically unsecured personal loans, meaning no collateral is needed. Some lenders may offer guarantor loans if you have a low credit score or haven’t built much credit history yet.

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WHAT CAN YOU DO WITH A LOAN?

Loan for home renovations

Whether it’s upgrading your kitchen, splashing out on a new bathroom or planning an extension, a personal loan can help cover your home improvements.

Loan for a car

A car loan can make purchasing a vehicle more manageable. Plus, it can help you buy one through a private sale rather than using a finance option from a dealership.

Loan for consolidating debt

You can combine the debts from multiple loans and credit cards into one personal loan, so you’ll just have a single payment to make each month.

Loan for a wedding

A loan can help you to cover big-ticket items for your wedding day like the venue and the dress, not to mention photography, flowers, and the cake.

Loan for emergency expenses

Sudden unexpected costs, like needing a new boiler or private medical treatment, might be another reason for you to take out a loan.

Loan for moving house

From surveys and conveyancing to removal companies and storage, you might need a loan to help cover the costs of buying a new home.

Loan for occasions and family events

You might need a little extra to help pay for major family events like big birthdays, weddings, special anniversaries and funerals.

WHAT WILL MY LOAN COST?

The cost of the loan will depend on a few different things:

Loan amount

How much you want to borrow.

Loan term

How long you need to repay the loan in full. The shorter the loan term, the less interest you’ll need to repay, therefore the cheaper it is overall. But that will mean higher monthly repayments than if you were to spread the loan over a longer term.

Interest rate

This will not necessarily be the advertised interest rate for the loan. The lender calculates how much interest it’ll charge based on your income and credit score.

LOAN CALCULATOR: HOW MUCH CAN I BORROW?

With personal loans in Singapore, the amount you can borrow depends on the lender. Most offer loans from S$1,000 up to S$250,000, but that doesn’t mean you’ll qualify for the maximum amount.

Lenders will assess your income, credit score, and whether the loan is secured or unsecured before making an offer.

Use our loan calculator to estimate your monthly repayments based on your desired loan amount, tenure, and interest rate.