5 Minutes Approval & Up to 1% Cashback*
We Promise ...
Quick 5 Minutes Approval
$20 Grocery Voucher*
Up to 1% Cashback*
Choosing the right holiday loan company is key to stress-free travel financing. ROSHI stands out by offering competitive interest rates, flexible repayment terms, and a simple application process that takes under three minutes. With access to a network of reliable banks and licensed moneylenders, ROSHI ensures you get the best loan options tailored to your needs.
Their transparency in fees and user-focused approach makes them a trusted choice for holiday loans. Whether you’re planning a family getaway or a solo adventure, ROSHI’s expertise and customer support make them the ideal partner for funding your travel dreams responsibly.
Planning a memorable holiday doesn’t have to drain your savings. With our holiday loan app, you can access convenient financing options to fund your travels. Designed with simplicity in mind, the app lets you compare lenders, calculate repayment plans, and apply within minutes
Whether it’s a family vacation or a solo adventure, our app ensures you stay in control of your budget while enjoying the trip of a lifetime. Start planning stress-free, knowing that the best financial tools are at your fingertips.
Holiday loan interest rates can greatly affect your travel budget, but with ROSHI, you can rest assured you're getting competitive terms. ROSHI connects you with top banks and licensed moneylenders, allowing you to compare rates and find the best fit. They also provide clear information on effective interest rates (EIR), ensuring transparency in total costs.
Borrowers with strong credit scores can secure lower rates through ROSHI, while flexible repayment options make budgeting easier. By partnering with ROSHI, you can navigate the borrowing process confidently, ensuring your dream holiday doesn’t come with unexpected financial burdens.
| Lender | Annual Interest Rate | Effective Interest Rate | Processing Fee | Monthly Payment |
|---|---|---|---|---|
| Trust Bank | 1.56% | 3.00% | $0 | S$nan |
| Standard Chartered | 1.60% | 3.07% | $0 | S$nan |
| GXS | 1.60% | 3.00% | 1.35% of approved loan | S$nan |
| HSBC | 1.83% | 3.50% | $0 | S$nan |
| CIMB Bank | 1.86% | 3.56% | $0 | S$nan |
| OCBC Bank | 1.98% | 4.19% | 1.0% of approved loan | S$nan |
| DBS | 1.99% | 4.17% | $100 | S$nan |
| POSB | 1.99% | 4.17% | $100 | S$nan |
| Maybank | 2.86% | 5.24% | $200 | S$nan |
| Citibank | 3.45% | 6.50% | $0 | S$nan |
| OCBC Bank | 5.42% | 10.96% | $200 | S$nan |
Vacation loans are an excellent financing option for individuals looking to fund their dream getaway without immediate financial strain. These loans, typically ranging from S$1,000 to S$20,000, are offered by licensed lenders in Singapore and are designed to cover travel expenses such as flights, accommodations, and activities.
Unlike traditional bank loans, vacation loans do not always require collateral, making them accessible to a wider range of borrowers. However, interest rates may vary depending on the lender and repayment terms. The loan duration typically ranges from three (3) to twenty-four (24) months, allowing borrowers to plan their payments comfortably.
Licensed lenders provide clear terms and transparent agreements, ensuring borrowers can enjoy their vacations without financial worries. Before applying, compare different options to secure the best rates and repayment plans that align with your budget.
Holiday loans are where you borrow a pre-set amount of money and pay it back over a pre-set period; most lenders will charge a fixed rate of interest. Having this in place makes managing vacation expenses far easier compared to revolving credit facilities like credit cards.
It is an agreement between you and the lender where you get the loan amount upfront and agree to pay it back in installments, along with interest. While considering your application and deciding on interest rates, lenders look at your financial profile, including credit score and income level.
Shop around before taking out a holiday loan. Interest rates and terms vary greatly, so it is important to compare deals from banks and licensed moneylenders. While holiday loans generally have lower rates than credit cards, the total amount you can borrow may depend on your income and financial standing.
Holiday loans can be used for a number of purposes and come with different periods of repayment. Some are for short-term vacations, while others have more flexibility to be used toward bigger trips. Always check the terms, including interest rates and processing fees, to find the best fit for your situation.
Eligibility typically depends on your income, credit score, and employment status. Singaporeans aged 21 to 70 can apply with proof of identity, income, and residence. Foreigners may also qualify, provided they meet specific income criteria and submit required documentation.
If you can’t qualify through a bank, look to licensed moneylenders. Be sure you understand the terms thoroughly before signing an agreement. Borrow only what you have the ability to pay back—don’t bet the farm.
Taking out a holiday loan is a big financial decision, so take your time to evaluate whether it’s truly necessary. Assess your ability to manage the monthly repayments alongside your other financial obligations. If there’s any doubt that the loan might create financial strain, consider alternative ways to fund your trip.
Before settling on a holiday loan, explore and compare different offers. Each loan has its own terms, fees, and interest rates. Even if the first offer seems attractive, ensure it meets your needs and provides the best value. Don’t rush—thorough research will save you money in the long run.
Your credit score plays a significant role in determining your loan eligibility and interest rates. A higher score, typically above 750, increases your chances of approval and lowers your borrowing costs. If your credit score is lower, you might still qualify, but at a higher interest rate or for a smaller loan. Work on improving your score for better options in the future.
If your credit score is low, lenders may view you as a higher risk, resulting in steeper interest rates. If you’re confident you can manage the repayments despite the higher costs, the loan might still be worth it. Additionally, consistent repayment of this loan can help improve your credit score over time.
Interest rates are one of the most critical aspects of a holiday loan. Even a small reduction in the rate can save you a substantial amount over the repayment period. While comparing options, prioritize loans with the most competitive rates.
Before applying, confirm that you meet the lender’s criteria. Many lenders charge application fees, so applying for a loan you don’t qualify for can lead to unnecessary expenses. Carefully review the requirements to avoid wasting time and money.
Pre-payment options allow you to save on interest costs by paying off your loan early. Speak with your lender about pre-payment terms before committing to a loan to understand how it might benefit you.
Holiday loans are where you borrow a pre-set amount of money and pay it back over a pre-set period; most lenders will charge a fixed rate of interest. Having this in place makes managing vacation expenses far easier compared to revolving credit facilities like credit cards.
It is an agreement between you and the lender where you get the loan amount upfront and agree to pay it back in installments, along with interest. While considering your application and deciding on interest rates, lenders look at your financial profile, including credit score and income level.
Shop around before taking out a holiday loan. Interest rates and terms vary greatly, so it is important to compare deals from banks and licensed moneylenders. While holiday loans generally have lower rates than credit cards, the total amount you can borrow may depend on your income and financial standing.
The application process can vary by lender. Generally, online applications are processed quickly, with approvals possible within hours, and funds can be disbursed on the same day or within a few days.
Yes, individuals with existing debt can still qualify for an investment loan, provided they meet the lender’s credit and income requirements. It’s important to demonstrate the ability to manage additional debt responsibly.
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
.Don't be a fool! #roshi #singapore #lending #borrowing
Trust the original! #roshi #singapore #lending #borrowing
.Don't be a fool! #roshi #singapore #lending #borrowing
Trust the original! #roshi #singapore #lending #borrowing
.Don't be a fool! #roshi #singapore #lending #borrowing
Excellent! ROSHI has found 28 that suit your criteria.
ROSHI Personal Loan
Limited Promotion
Limited Promotion
From 1.88%Monthly Interest Rate
24 MonthsLoan Tenure
$170 - $340Loan Amount
5 Minutes Loan Approval
10 Minutes Cash Disbursement
Up to 1% Cashback*
$20 Grocery Voucher*
GXS FlexiLoan
Account Information
Base Interest Rate
AmountInterest Rate (p.a.)
Fees and Charges
Cheque Book Fee
Eligibility
Age requirement21 - 65 years old
Trust Bank Instant Loan
Account Information
Base Interest Rate
AmountInterest Rate (p.a.)
Fees and Charges
Cheque Book Fee
Eligibility
Age requirement21 - 65 years old
OCBC Extra Cash
Account Information
Base Interest Rate
AmountInterest Rate (p.a.)
Fees and Charges
Cheque Book Fee
Eligibility
Age requirement21 and above
DBS Renovation Loan
Account Information
Base Interest Rate
AmountInterest Rate (p.a.)
Fees and Charges
Cheque Book Fee
Eligibility
Age requirement21 - 65 years old
Citibank Quick Cash Loan
Account Information
Base Interest Rate
AmountInterest Rate (p.a.)
Fees and Charges
Cheque Book Fee
Eligibility
Age requirement21 - 65 years old
HSBC Personal Loan
Account Information
Base Interest Rate
AmountInterest Rate (p.a.)
Fees and Charges
Cheque Book Fee
Eligibility
Age requirement21 - 65 years old
Standard Chartered CashOne Personal Loan
Account Information
Base Interest Rate
AmountInterest Rate (p.a.)
Fees and Charges
Cheque Book Fee
Eligibility
Age requirement21 - 65 years old
Maybank CreditAble Term Loan
Account Information
Base Interest Rate
AmountInterest Rate (p.a.)
Fees and Charges
Cheque Book Fee
Eligibility
Age requirement21 - 65 years old
CIMB Personal Loan
Account Information
Base Interest Rate
AmountInterest Rate (p.a.)
Fees and Charges
Cheque Book Fee
Eligibility
Age requirement21 - 60 years old
POSB Personal Loan
Account Information
Base Interest Rate
AmountInterest Rate (p.a.)
Fees and Charges
Cheque Book Fee
Eligibility
Age requirement21 - 75 years old
