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Personal Loan Calculator Singapore (July 2025)

Calculate your total and monthly repayments based on today’s personal loan rate trends. As of Wednesday, July 2nd, 2025 the lowest personal loan interest rate stands at 0.00% with an effective interest rate of 4.13% . Rates are not guaranteed and are based on each applicant's own credit risk.
More Info

Getting a personal loan can seem complicated with all the different options and rates. ROSHI’s user-friendly personal loan calculator aims to make it simple for you to estimate your potential loan costs.

Just input the loan amount you need, current interest rates, and your preferred loan tenure. Our calculator will provide a detailed breakdown, including current bank rates, total loan amount, total interest payable, and estimated monthly repayments.

With this, you can better compare personal loan packages and make an informed decision on what fits your budget. Play around with loan amount and tenure to match your unique financial situation.

Our goal is to empower Singaporeans seeking personal loans to clearly understand the total costs, interest charges, and monthly repayments. This allows you to confidently borrow at the lowest possible rates and terms.

Website Information Disclosure

ROSHI is one of Singapore's leading loan matching platforms. We specialise in connecting borrowers with lenders offering personal loans, home loans and refinancing options.

The information published on our site is intended to be accurate and up to date but should not be construed as financial advice and does not consider your personal needs or financial circumstances. While our website provides factual loan information and general guidance, it should not replace professional advice from a licensed financial advisor. Users should consider whether the loan products featured on ROSHI are appropriate for their specific needs.

Loans marked as "Sponsored" are prominently displayed at the top of each page or listing table. As a result of commercial partnerships, ROSHI may receive compensation from lenders when users click on application links, submit inquiries, or successfully secure loans. "Sponsored" loan options should not necessarily be considered the best available or most appropriate for your personal situation.

When our site links to particular loan products, we may receive a referral fee, commission, or payment when users click through our site, apply for, and successfully secure a loan.

Loans listed in our comparison tables are sorted based on various factors including interest rates, fees, features, and popularity. ROSHI provides various filters to help borrowers sort through options and identify benefits.

ROSHI takes an open and transparent approach to its loan matching services. Borrowers should be aware that while we operate independently, our platform does not include all available loan products in Singapore.

Some lenders may offer their loan products through multiple channels, brands, or associated companies, which can make it challenging to comprehensively compare them. ROSHI strives to help borrowers better understand available options through unbiased and well-researched loan information.

For more information about our services, please read our terms of use and privacy policy

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ROSHI Personal Loan

Limited Promotion

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Limited Promotion

1.88%Monthly Interest Rate

4 MonthsLoan Tenure (fixed)

$4000-$8000Loan Amount

5 Minutes Loan Approval

10 Minutes Cash Disbursement

Up to 1% Cashback*

$20 Grocery Voucher*

  • *Offer subject to approval by participating lenders.
Monthly Repayment $1,004 - $2,008
Apply Now
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GXS FlexiLoan

  • Minimum monthly repayments from 1% of loan amount
  • One-time low processing fee from 1.35% of loan amount

on GSX's website

Account Information

  • Base Interest Rate

  • AmountInterest Rate (p.a.)

Fees and Charges

Cheque Book Fee

Eligibility

  • Age requirement21 - 65 years old

Show More
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Trust Bank Instant Loan

  • Trust Instant Loan allows you to convert your unused credit card limit into cash
  • Limited time offer from as low as 2.79% p.a. (EIR 5.27% p.a.)
  • Get Instant Loan in 60 seconds with Trust credit card

Account Information

  • Base Interest Rate

  • AmountInterest Rate (p.a.)

Fees and Charges

Cheque Book Fee

Eligibility

  • Age requirement21 - 65 years old

Show More
Compare

OCBC Extra Cash

  • Borrow up to 6x monthly salary for annual income S$120,000 and above, 4x monthly salary for annual income S$30,000-S$119,999 and 2x monthly salary for annual income S$20,000-S$29,000

on OCBC's website

Account Information

  • Base Interest Rate

  • AmountInterest Rate (p.a.)

Fees and Charges

Cheque Book Fee

Eligibility

  • Age requirement21 and above

Show More
Compare

DBS Renovation Loan

  • Minimum loan amount: $10,000
  • Maximum loan amount: $30,000 or 6x of monthly income (whichever is lower)

on DBS's website

Account Information

  • Base Interest Rate

  • AmountInterest Rate (p.a.)

Fees and Charges

Cheque Book Fee

Eligibility

  • Age requirement21 - 65 years old

Show More
Compare

Citibank Quick Cash Loan

  • Enjoy $0 processing fee and borrow up to 4x your monthly salary, with minimum loan amount of $100 for 24 months to 60 months loan tenure period.
  • Min Income for Singaporeans/PRs: S$30,000 p.a.

on Citibank's website

Account Information

  • Base Interest Rate

  • AmountInterest Rate (p.a.)

Fees and Charges

Cheque Book Fee

Eligibility

  • Age requirement21 - 65 years old

Show More
Compare

HSBC Personal Loan

  • Get 1-min in-principle approval on HSBC Personal Loan
  • Maximum loan amount of up to 4x your monthly income with an annual income from S$30,000 to S$120,000 and up to 8x with an annual income of S$120,000 or more, or up to S$200,000.

on HSBC's website

Account Information

  • Base Interest Rate

  • AmountInterest Rate (p.a.)

Fees and Charges

Cheque Book Fee

Eligibility

  • Age requirement21 - 65 years old

Show More
Compare

Standard Chartered CashOne Personal Loan

  • Enjoy flat interest rates from as low as 2.88% p.a. (EIR: 5.43% p.a.) and get instant approval and cash disbursement to your designated bank account when you apply via MyInfo.
  • Get a loan of up to 4x your monthly salary, capped at S$250,000.

on Standard Chartered's website

Account Information

  • Base Interest Rate

  • AmountInterest Rate (p.a.)

Fees and Charges

Cheque Book Fee

Eligibility

  • Age requirement21 - 65 years old

Show More
Compare

Maybank CreditAble Term Loan

  • Loan up to 2x of your monthly income (based on credit limit of your Maybank CreditAble account)
  • Min Income for Singaporeans/PRs: S$30,000 p.a.

on Maybank's website

Account Information

  • Base Interest Rate

  • AmountInterest Rate (p.a.)

Fees and Charges

Cheque Book Fee

Eligibility

  • Age requirement21 - 65 years old

Show More
Compare

CIMB Personal Loan

  • Interest rates starting from as low as 2.8%* p.a. (EIR from 5.28% p.a.).

on CIMB's website

Account Information

  • Base Interest Rate

  • AmountInterest Rate (p.a.)

Fees and Charges

Cheque Book Fee

Eligibility

  • Age requirement21 - 60 years old

Show More
Compare

POSB Personal Loan

  • With fixed interest rate from as low as 2.68% p.a. + 1% processing fee (EIR 5.43% p.a.)
  • Get cash up to 4x of your monthly salary or 10x if your annual income is S$120,000 and above.

on POSB's website

Account Information

  • Base Interest Rate

  • AmountInterest Rate (p.a.)

Fees and Charges

Cheque Book Fee

Eligibility

  • Age requirement21 - 75 years old

Show More
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By Dawn Chew Personal Loan Calculator

Updated July 2, 2025

Lowest Personal Installment Loans Interest Rates (July 2025)

*Loan Amount Example S$10,000 and Loan Tenure 2 years
Lender Annual Interest Rate Effective Interest Rate Processing Fee Monthly Payment
GXS 0.00% 4.13% 1.35% of approved loan S$417
DBS 1.99% 4.43% $100 S$433
POSB 1.99% 4.43% $100 S$433
OCBC Bank 2.66% 5.44% 1.0% of approved loan S$439
Trust Bank 2.79% 5.27% $0 S$440
CIMB Bank 2.80% 5.28% $0 S$440
Standard Chartered 2.88% 5.43% $0 S$441
HSBC 2.92% 5.50% $0 S$441
Maybank 3.28% 6.20% $200 S$444
Citibank 3.45% 6.50% $0 S$445
OCBC Bank 5.43% 11.47% $200 S$462
*Today's Personal Installment Loans Rates - 02 July 2025

Personal Loan Total Interest Payments Overview ($10,000)

Types of Personal Loans

Personal Loans
Debt Consolidation Plans
Foreigner Loans
Renovation Loans
Wedding Loans
Investment Loans
Vacation Loans
Medical Loans
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Borrow Money Online
Taxi Driver Loans
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$10,000 Loans
$15,000 Loans
$20,000 Loans
$25,000 Loans
$30,000 Loans
$50,000 Loans
$80,000 Loans
$100,000 Loans
$200,000 Loans
Explore Loan Types

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Personal Loan Calculator
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Cost Of Living in Singapore
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  • Calculations Basic

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Calculate Your Personal Loan Repayments

Compare up to 4 loan options side-by-side and submit an application directly on the ROSHI marketplace. Borrow up to
S$200,000 to finance major expenses or consolidate debt.

How Our Calculator Works

Our personal loan calculator enables you to estimate your monthly loan repayments, tenure and total interest
expenses. Simply adjust loan amount and repayment tenure. The calculator will automatically update different loan
options which are currently available in the market.

After obtaining an estimate, click the plus button on each option to view and compare loan offers from our panel of
lenders. Review interest rates, fees, and terms from all major banks and financial institutions to identify the most
suitable loan for your financial circumstances.

Benefits of Utilising a Personal Loan Calculator
Accurate Estimations
Receive accurate estimations of your total interest expenses and monthly repayments over the loan tenure,
enabling proper budgeting and avoiding repayment difficulties
Clear Cost Overview
Clearly view all costs linked to the loan, including origination fees, processing fees, late payment fees, and
early repayment penalties
Effortless Comparison
Compare multiple loan products from different lenders to locate the optimum interest rate and repayment terms
for your needs

Take control of your finances with our free, easy-to-use personal loan calculator. Within seconds, you can view loan options matching your needs and budget.

Input accurate figures
Provide correct details on the loan amount, interest rate, loan tenure, and any fees to get a true estimate of
repayment costs.
Adjust the parameters
Play around with filters for loan amount, tenure, and rate to see the impact on monthly payments. This helps you
find affordable options.
Note the total interest payable
Check how much extra you’ll pay over the life of the loan at different rates. Opt for the lender with lower
total interest
Watch out for hidden fees
Some fees may not be reflected in the calculator. Read the fine print or contact lenders to inquire about
additional costs.
Compare options
Use the calculator to get estimates from multiple lenders. Contrast the repayment costs and terms to find the
most suitable loan product.
What information do I need to provide to use this calculator?

You only need to input your desired loan amount and preferred loan tenure in months. The calculator will then show
you available offers.

How does the calculator show me different loan options?

Based on the amount and tenure you input, the calculator will display personalised loan offers that match, ranked
from lowest interest rate to highest.

Can I further filter or sort the loan offers?

Yes, you can use the filters to sort and compare loans by total repayment amount, total interest payable, or monthly
repayments from lowest to highest.

What should I look at when comparing the loan offers?

Focus on the total interest payable, monthly instalments, and any fees to find the most cost-effective loan offer
that fits your budget.

How do I apply for a loan offer that I’m interested in?

Click the “Apply Now” button on any loan offer to provide your details and submit an application directly to that
lender for quick processing.

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Read Our Borrowing Guide
Borrow Wisely

Mastering your loan moves starts with understanding the real cost of borrowing. We believe in empowering you with the right knowledge to make smart financial choices, not quick fixes that lead to debt traps. Our commitment is helping you borrow wisely and stay in control of your money. 

Read Our Borrowing Guide
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ROSHI strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product website. All financial products and services are presented without warranty. When evaluating offers, please review terms and conditions of respective financial institution or service provider. Pre-qualified offers are not binding.

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