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Personal Loans in Singapore

By Trinh Thanh
Head of Research
|
Updated 09 Mar 2026
|

Fact-checked

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Glossary

Useful Resources

By Trinh Thanh
Head of Research
Updated 09 Mar 2026
|

Fact-checked

Personal loans in Singapore let you borrow a fixed amount from banks, repaid in monthly instalments over 1 to 7 years. This page compares interest rates, eligibility requirements, alternatives, cashback offers and approval times from over 10 banks including DBS, OCBC, CIMB, Standard Chartered, GXS and Truts Bank.

A personal loan is an unsecured loan from a bank or licensed moneylender that you repay in fixed monthly instalments. Unlike credit cards, personal loans have fixed interest rates and repayment plans. Loan amounts from banks in Singapore typically range from $1,000 to $200,000 with tenures from 1 to 7 years. 

  • Singapore Citizens, PRs and select foreigner workers (EP & SP holders)
  • Minimum annual income: $20,000 to $30,000
  • Age: 21 to 65 years some banks might accept older applicants
  • Employed for at least 3 to 6 months
icon Credit score affects approval and interest rates
icon Undischarged bankrupts not eligible
  • NRIC (front and back) for Singaporeans and PRs
  • Latest 3 months payslips or income proof
  • Latest 12 months CPF contribution history
  • Latest Notice of Assessment (NOA) from IRAS
  • Bank statements (for self-employed applicants)
  • Employment Pass or S Pass for foreigners
Submit application 5 to 10 minutes
Bank review 1 to 3 working days
Approval decision Same day to 5 working days
Funds disbursed 1 to 3 days after approval
Digital banks (GXS/Trust) Within 24 hours
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MAS Regulated

All banks on this page are licensed and regulated by the Monetary Authority of Singapore (MAS).

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Interest Rates

Personal loan rates in Singapore range from 3.48% to 24% p.a. (EIR). Your actual rate depends on loan amount, tenure and credit score.

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Number of Lenders

Compare personal loans from 10+ banks. ROSHI partners with major banks for instant rate comparison and cashback offers.

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Borrowing
Limits

Borrow up to 10x your monthly income or $200,000 whichever is lower. Total debt servicing ratio (TDSR) limits apply for all unsecured credit.

Our Expert says

Should You Take a Personal Loan?

Personal loans offer lower interest rates than credit cards which typically range around 25% to 28% per year but still charge higher rates than secured loans such as home equity loans. Before applying, consider whether you actually need the money and can comfortably make monthly repayments. 

If you're borrowing less than $5,000 and repay within the month, a 0% instalment plan on your credit card might be cheaper. For larger amounts over $10,000 a personal loan usually makes more sense.

My advice, compare at least 3 different bank offers before deciding. Interest rates can vary by 2 to 3 percentage points between banks and cashback promotions can offset hundreds of dollars in costs. Also check if you qualify for a digital bank loan first such as GXS and Trust as they often have more competitive rates for smaller loan amounts. Quote Icon

Trinh Thanh
Trinh Thanh
Head of Research
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Expert Tips

Expert Tips for Getting the Best Personal Loan
Compare Effective Interest Rate.

EIR shows your true borrowing cost not advertised flat rates and makes comparison much easier.

Check your credit score before applying.

Multiple loan applications in a short period can lower your credit score. Use ROSHI to compare without impacting your credit.

Choose the shortest tenure you can afford.

Longer tenures mean lower monthly payments but significantly higher total interest payments.

Look for cashback and promotional rates.

Banks frequently offer $100 to $500 cashback rewards for new customers or limited time rate discounts.

Consider digital banks for smaller loans.

GXS FlexiLoan and Trust Instant Loan often have lower minimum income requirements and faster approval.

Read the fine print on early repayment.

Some banks charge 2 to 3% penalty for early settlement while others allow fee free early repayments.

Approval Chances

How to Improve Your Approval Chances:
Check your credit score first
and review your CBS report before applying. A score of 1813+ (AA to BB) significantly improves approval chances and gets you better rates. 5 to 10 minutes
Reduce existing debt
by paying down credit card balances and existing loans. Banks look at your Total Debt Servicing Ratio (TDSR) when assessing applications. 5 to 10 minutes
Apply only for what you really need
and can comfortably repay 5 to 10 minutes
Have stable employment
as most banks require at least 3 to 6 months with your current employer. 5 to 10 minutes
Prepare all documents
such as NRIC, payslips, CPF history and NOA ready before applying. 5 to 10 minutes
Use loan matching platforms like ROSHI
to compare first as an application with us doesn't impact your credit score. Only apply directly with banks where you're likely to be approved. 5 to 10 minutes

TDSR Explained

Everything you need to know about Total Debt Servicing Ratio
What is TDSR?
TDSR stands for Total Debt Servicing Ratio and is a framework introduced by the Monetary Authority of Singapore (MAS) in 2013 to prevent borrowers from taking on more debt than they can reasonably repay. It measures the percentage of a borrower's gross monthly income that goes toward servicing all existing debt obligations.
How is it calculated?

TDSR = (Total Monthly Debt Obligations ÷ Gross Monthly Income) × 100%

Total monthly debt obligations include repayments on housing loans, car loans, personal loans, student loans, renovation loans, credit card minimum payments and any other secured or unsecured borrowings.

What is the current TDSR limit?

The TDSR is capped at 55% of gross monthly income. This threshold was tightened from 60% in December 2021 as part of MAS cooling measures.

Example: A borrower earning $5,000 per month has a TDSR ceiling of $2,750. If existing monthly obligations such as a car loan ($800) and credit card minimum payments ($200) total $1,000, the maximum additional monthly repayment the borrower can take on is $1,750 before breaching the 55% threshold.

Does TDSR apply to personal loans from banks?
All banks and financial institutions regulated by MAS must apply the TDSR framework when assessing any loan application including personal loans. Before approving a personal loan the bank will calculate the borrower's existing monthly debt obligations against gross income. If adding the new loan repayment would push the borrower's TDSR above 55%, the application will either be declined or the approved amount reduced.
What counts toward the TDSR calculation?
All active debt obligations are included: mortgage repayments, car loan instalments, existing personal loan repayments, student loans, renovation loans, credit card minimum payments and any outstanding moneylender loans. Borrowers with multiple credit facilities across different banks and lenders should expect all of them to be factored in, as banks verify obligations through credit bureau records.
Does income type affect TDSR?
Banks count 100% of fixed income such as base salary. However, variable income such as commissions, bonuses, overtime, and allowances are only subject to a 30% haircut meaning only 70% of variable earnings are counted. Self employed borrowers and freelancers with irregular income streams should expect the same reduction applied to their assessed earnings.
How can I improve my TDSR before applying?
  • Pay down or close existing credit card balances and revolving credit lines.
  • Settle outstanding personal or car loan instalments where possible.
  • Avoid taking on new credit facilities in the months leading up to a loan application.
  • Cancel unused credit cards while no balance may be owed, some banks factor in available credit limits.
  • If applying with a spouse the combined income can raise the TDSR ceiling.

Interest Rate Trends

Below is an overview of current interest rate trends in Singapore:
Today's moneylender interest rate trends in Singapore
Today's moneylender interest rate trends in Singapore - As of 9 March 2026, licensed moneylenders are charging an average interest rate of approximately 3.98% per month just under the legal cap of 4%.
Monthly Interest Rate Trends (March 2026)
Research updated by Trinh Thanh on 4 March 2026 - In March 2026, Singapore’s personal loan market remains stable with no adjustments to statutory lending caps or major shifts in pricing behaviour. Demand continues to be supported by borrowers consolidating expenses, financing planned purchases or managing short‑term liquidity gaps. Rather than reacting to abrupt rate changes, lenders this month are maintaining consistent underwriting standards anchored in income verification and credit assessment.

Personal loans occupy a broad segment of the consumer credit landscape, spanning both licensed moneylenders and banks. Pricing variations largely reflect differences in risk assessment models, loan tenure structures and borrower credit profiles. March conditions indicate continuity with lenders prioritising repayment sustainability over aggressive portfolio growth
Licensed Moneylenders
As of March 2026, licensed moneylenders regulated by the Registry of Moneylenders under Singapore’s Ministry of Law continue to provide personal loan options within clearly defined legal boundaries. Applied monthly interest rates generally average around 3.8%, remaining within the statutory maximum of 4% per month. These rates are typically associated with shorter‑term unsecured borrowing.

Loan eligibility is determined by verified income, employment stability and overall repayment capacity. Borrowers may qualify for amounts of up to six times their monthly income, subject to regulatory limits and affordability evaluation. Administrative fees remain capped at 10% of the principal and late payment charges generally do not exceed S$60 per month. While preliminary applications may be initiated online for convenience, regulations require borrowers to complete identity verification and sign loan contracts in person at a registered office before funds are disbursed. Following verification, approvals and disbursement are frequently completed within the same working day, making licensed moneylenders a practical option for time‑sensitive personal financing needs.
Banks
Banks continue to represent a major source of personal loans in Singapore, particularly for borrowers with established credit histories and stable income levels. Bank personal loans typically offer lower Effective Interest Rates when calculated on an annual basis, especially for longer repayment tenures. Promotional campaigns and digital application channels have further streamlined access for eligible applicants.

Despite these advantages, bank approval processes remain comparatively rigorous. Comprehensive credit bureau checks, minimum income thresholds and structured documentation requirements form part of standard underwriting practice. Processing timelines may extend over several business days, depending on complexity and verification needs. Consequently, bank personal loans are generally better suited for borrowers prioritising cost efficiency and structured repayment schedules rather than immediate funding.
ROSHI Expert Insight
In March 2026, Singapore’s personal loan environment reflects a balance between accessibility and pricing differentiation. Licensed moneylenders continue to provide regulated short‑term options at monthly rates near 3.8%, while banks compete primarily on lower annualised cost structures for qualified borrowers. The divergence lies less in regulatory change and more in borrower profile alignment.

From ROSHI’s perspective, selecting a personal loan requires careful consideration of tenure, total repayment amount and cash flow stability. Shorter‑term solutions may offer speed but longer tenures with lower annualised rates can reduce overall financing costs when eligibility permits. Through ROSHI’s licensed lender network, borrowers can evaluate regulated personal loan options with transparent terms and clear disclosure of fees.
What This Means for Borrowers
For March 2026, borrowers exploring personal loans will encounter a market defined by regulatory consistency and diversified lender options. Licensed moneylenders remain positioned for applicants who require faster decisions and flexible eligibility criteria, while banks continue to offer cost advantages to those who meet stricter approval standards.

Interest caps and fee limits ensure that personal loans issued by licensed providers remain within controlled parameters and mandatory in‑person verification reinforces contractual clarity before disbursement. Ultimately, borrowers should align loan size and tenure with realistic repayment capacity, taking into account both total interest cost and processing timelines. Within Singapore’s regulated framework, informed comparison remains the most effective way to balance speed, affordability and financial responsibility.

List of Personal Loans in Singapore

All lenders listed are verified with the Ministry of Law.
Compare rates and launch your application directly via ROSHI .
Banks Moneylenders
Loan amount must be between 500 and 100,000.
Tenure must be between 1 and 60 months.
More Filters
ROSHI Personal Loan
22.56%
Grocery Vouchers
Up to 1% Cashback
$1,021.33
$2,256.00
Check Eligibility
CIMB Personal Loan
1.86%
3.56%
Grocery Vouchers
$848.83
$186.00
Check Eligibility
Citibank Quick Cash Loan
3.45%
6.5%
$862.08
$345.00
Check Eligibility
GXS FlexiLoan
1.6%
3%
$846.67
$160.00
Check Eligibility
DBS Personal Loan
1.99%
4.17%
$849.92
$199.00
Check Eligibility
POSB Personal Loan
1.99%
4.17%
$849.92
$199.00
Check Eligibility
OCBC Extra Cash
5.42%
10.96%
$878.50
$542.00
Check Eligibility
SCB CashOne Personal Loan
1.6%
3.07%
$846.67
$160.00
Check Eligibility
HSBC Personal Loan
1.83%
3.5%
$848.58
$183.00
Check Eligibility
OCBC Personal Loan
1.98%
4.19%
$849.83
$198.00
Check Eligibility

All lenders verified against Ministry of Law registry. Last updated: March 9 2026.

Show All Lenders

What's the Difference between Bank, Digital Bank
and Licensed Moneylender Loans?

All three offer unsecured personal loans but with different
features, rates and eligibility:

Traditional Banks Digital Banks (GXS/Trust) Licensed Moneylenders
Interest rate (EIR)1.93% to 17.62% p.a.3.8% to 24% p.a.Up to 48% p.a.
Loan amount$1,000 to $200,000$200 to $20,000$500 to $20,000
Minimum income$20,000 to $30,000 per year$12,000 per yearNo minimum
Approval time1 to 5 working daysWithin 24 hoursSame day
Tenure1 to 7 years2 to 12 months1 to 12 months
ApplicationOnline or branchFully digitalIn-person at branch
DocumentationPayslips, CPF and NOASingpass MyInfoNRIC, proof of income
Credit score requiredAA to CC preferredYes but more flexibleNo strict requirement
Regulated byMASMASMinistry of Law
Best forLarge amounts and longer tenureSmall loans and fast cash neededUrgent cash with lower credit score

What are the Best Personal Loans in Singapore with the Lowest Interest Rates?

Finding the best personal loan isn't just about the lowest interest rate but approval speed, cashback
offers, customer service and flexible repayment terms. We've reviewed personal loans from
every major banks in Singapore and spoken to real borrowers to find out which banks
deliver the best experience. Here's what we found:
Trust Bank Instant Loan
EIR 4.22% p.a.
From 2.22%
Total Repayment
$10,888
Monthly Repayment
$302
The Trust Bank Instant Loan converts part of a borrower's Trust credit card limit into cash with interest rates starting from 2.22% p.a. and an EIR of 4.22% p.a. Approval can be done in minutes with funds deposited directly into your Trust savings account. No processing or hidden fees apply with flexible tenures from 3 to 60 months.
CIMB CashLite Personal Loan
EIR 5.28% p.a.
From 2.80%
Total repayment
$10,840
Monthly Repayment
$301
The CIMB CashLite Personal Loan offers a competitive interest rate of 2.80% p.a. and EIR of 5.28% p.a. for borrowers looking for an affordable bank loan option. It features zero processing fees and flexible repayments with loans available to Singaporeans, PRs and Employment Pass holders.
GXS FlexiLoan
EIR 2.02% p.a.
From 1.08%
Total repayment
$10,864
Monthly Repayment
$291
The GXS FlexiLoan is a digital personal loan backed by Grab and Singtel offering one of the lowest interest rates in the market starting from 1.08% p.a. (EIR 2.02% p.a.). There are no processing fees, no annual fees and no early repayment penalties. Borrowers can draw multiple loans from their credit line, choose tenures from 2 to 60 months and receive funds within minutes via the GXS app. Open to Singaporeans and PRs aged 21 to 65 with a minimum annual income of $20,000.
Note: The total repayment and monthly figures are illustrative based on a $10,000 loan over 36 months
Read Our Full Personal Loan Guide
img
  • No initial impact on credit score
  • Up to 1% Cashback & Vouchers
  • MAS registered lenders only

$1,000

$200,000

3 Months

72 Months

Total Cashback
10
Your Monthly Payment

337

* For a loan amount of $20,000, APR of 6.95%, 5 year, read more

How Much Does a Personal Loan Cost?

See exactly what you'll pay for popular loan amounts:
Smaller Amounts Common Amounts Larger Amounts
Loan Amount
$5,000
Processing fee (1%)
$50
Repay in 1 year
$5,350
(monthly payment)
$446 per month
Loan Amount
$10,000
Processing fee (1%)
$100
Repay in 1 year
$10,700
(monthly payment)
$892 per month
Loan Amount
$15,000
Processing fee (1%)
$150
Repay in 1 year
$16,050
(monthly payment)
$1,338 per month
Loan Amount
$20,000
Processing fee (1%)
$200
Repay in 3 years
$23,800
(monthly payment)
$661 per month
Loan Amount
$25,000
Processing fee (1%)
$250
Repay in 3 years
$29,750
(monthly payment)
$826 per month
Loan Amount
$30,000
Processing fee (1%)
$300
Repay in 3 years
$35,700
(monthly payment)
$992 per month
Loan Amount
$50,000
Processing fee (1%)
$500
Repay in 5 years
$65,500
(monthly payment)
$1,092 per month
Loan Amount
$80,000
Processing fee (1%)
$800
Repay in 5 years
$104,800
(monthly payment)
$1,747 per month
Loan Amount
$100,000
Processing fee (1%)
$1,000
Repay in 5 years
$131,000
(monthly payment)
$2,183 per month
Sample rate 6% p.a. EIR. Actual rates might differ

Actual Interest Rate Ranges By Credit Profile

Here's what borrowers are typically offered based on their credit score:
Credit ProfileCBS GradeTypical EIR RangeWhat to Expect
ExcellentAA1.93% to 4% p.a.Qualify for advertised rates, highest loan amount and best terms
GoodBB to CC4% to 8% p.a.Competitive rates and standard loan amounts
AverageDD to EE8% to 12% p.a.Higher rates but may face lower loan limits
Below AverageFF12% to 18% p.a.Limited bank options maybe consider digital banks
PoorGG to HH18% to 24% p.a.Banks likely to decline, digital banks may approve at max rates

Advertised vs Actual Personal Loan Interest Rates

Banks advertise their lowest promotional rates to attract customers but most borrowers don't qualify for
these headline rates. Actual rates depend on applicants credit score, monthly recurring income,
requested loan amount and tenure.

Traditional banks

Advertised EIR From 3% p.a.
Actual EIR 3% to 15% p.a.

Digital banks

Advertised EIR From 3% p.a.
Actual EIR 3% to 15% p.a.

Moneylenders

Advertised EIR From 22.56% p.a.
Actual EIR 22.56% to 48% p.a.
warning Advertised rates are for borrowers with excellent credit, CBS grade AA
but most applicants will be offered rates somewhere in the middle of the range .

How Your Credit Score Affects Your Personal Loan?

Your credit score directly affects whether you get approved and the interest rate you're offered. In Singapore,
Credit Bureau Singapore (CBS) assigns scores from 1000 to 2000 based on your credit history,
payment behaviour and existing debts. Here's how each score range impacts your personal loan application:
Range & Grade
Default Probability
Impact on Personal Loan
AA
SCORE RANGE 1911 - 2000
≤ 0.27%
Best rates from 3.48% p.a., with highest approval chances and access to maximum loan amounts
BB
SCORE RANGE 1844 to 1910
0.27% to 0.67%
Competitive rates and strong approval chances with most banks
CC
SCORE RANGE 1825 to 1843
0.67% to 0.88%
Mid-range rates probably most banks will approve
DD
SCORE RANGE 1813 to 1824
0.88% to 1.03%
Higher interest rates might require additional documents or guarantor
EE
SCORE RANGE 1782 to 1812
1.03% to 1.58%
Limited bank options with lower loan amounts offered
FF
SCORE RANGE 1755 to 1781
1.58% to 2.28%
Most banks will decline, consider digital banks or licensed moneylenders
GG
SCORE RANGE 1724 to 1754
2.28% to 3.46%
Banks will decline but licensed moneylenders may still approve
HH
SCORE RANGE 1000 to 1723
≥ 3.46%
Highest risk, banks will decline and moneylenders might only approve small amount at high rate
warning You can request your CBS credit report online at creditbureau.com.sg for $6.42. If you've
recently applied for a loan or credit card, you may be eligible for a free report within 30 days.

What Are the Pros & Cons of Loans from Moneylenders?

PROS

  • Lower interest rates than credit cards
  • Fixed monthly repayments
  • Large loan amounts of up to $200,000 available
  • No collateral required
  • Flexible tenure of 1 to 7 years
  • Cashback and promotional offers available

CONS

  • Higher interest rates than secured loans such as home equity
  • Minimum income requirement of $20,000 to $30,000 per year
  • Credit score affects approvals and rate offered
  • Early repayment penalties of 2 to 3% may apply
  • Multiple applications can hurt your credit score
  • Takes 1 to 5 days for approval

When Should You Take a
Personal Loan?

Home Renovation

Home Renovation

Major renovation projects costing $20,000 to $100,000

Medical Expenses

Medical Expenses

Hospital bills, surgery costs or medical treatment not covered by insurance

Education Costs

Education Costs

Tuition fees, overseas study expenses or professional certifications

Wedding Expenses

Wedding Expenses

Wedding costs including venue, catering and honeymoon

Big Purchases

Big Purchases

Large planned purchases like furniture, electronics or family car

Debt Consolidation

Debt Consolidation

Combine multiple high-interest debts into one lower rate loan

Not Recommended For
Not Recommended For

warning Daily expenses or regular bills warning Speculative investments or trading warning Gambling warning Paying off other loans without a clear repayment plan warning Luxury purchases such as watches, bags or holidays

LOAN APPLICATION PROCESS

How to Get a Personal Loan with ROSHI?

5 min
•

Apply Online

Apply in under 30 seconds using Singpass or our simple multi-step form and select the exact amount you need.

30 min
•

Get Matched

See which lenders are likely to approve you before your in-person assessment.

Same Day
•

Receive Your Funds

Connect with your preferred lender, finalise all paperwork and receive your funds.

How to find the right Personal Loan (FAQs)

How do I compare personal loan interest rates?

Compare using Effective Interest Rate not flat rate or advertised rate. EIR includes all fees and shows your true annual borrowing cost. A loan with 6% flat rate may have a higher EIR than one advertised at 7% due to different fee structures.
Minimum income requirements vary by lender and loan type. Generally, lenders require a minimum income of around $3,000 per month for a basic personal loan. However, some lenders may require higher incomes for larger loan amounts or specific loan types.
Minimum income requirements vary by lender and loan type. Generally, lenders require a minimum income of around $3,000 per month for a basic personal loan. However, some lenders may require higher incomes for larger loan amounts or specific loan types.
Minimum income requirements vary by lender and loan type. Generally, lenders require a minimum income of around $3,000 per month for a basic personal loan. However, some lenders may require higher incomes for larger loan amounts or specific loan types.
Minimum income requirements vary by lender and loan type. Generally, lenders require a minimum income of around $3,000 per month for a basic personal loan. However, some lenders may require higher incomes for larger loan amounts or specific loan types.
Minimum income requirements vary by lender and loan type. Generally, lenders require a minimum income of around $3,000 per month for a basic personal loan. However, some lenders may require higher incomes for larger loan amounts or specific loan types.
Minimum income requirements vary by lender and loan type. Generally, lenders require a minimum income of around $3,000 per month for a basic personal loan. However, some lenders may require higher incomes for larger loan amounts or specific loan types.
Minimum income requirements vary by lender and loan type. Generally, lenders require a minimum income of around $3,000 per month for a basic personal loan. However, some lenders may require higher incomes for larger loan amounts or specific loan types.
Minimum income requirements vary by lender and loan type. Generally, lenders require a minimum income of around $3,000 per month for a basic personal loan. However, some lenders may require higher incomes for larger loan amounts or specific loan types.

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Today's Application
Numbers
and Time To Offer Average

LAST UPDATE
9 Mar 2026

Application Submitted

in the last 30 days
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Time to Offer

average
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Compare Personal Loan Providers & Types

Browse various personal loan products, types and calculators
or use ROSHI to compare lenders across Singapore.

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