No more endless searching! Let the best loan offers come to you. With our carefully selected partners, we connect you to banks and licensed providers, ensuring you have the power to compare, choose, and borrow smarter, All in one place.
Stop searching for loan offers and let them come to you. We match you with personalised loan offers from over 50 banks and licensed providers, so you have the power to choose. The best part? Our platform is absolutely free.
We work closely with our partners to bring you the real cost of borrowing, ensuring no hidden fees and the lowest possible rates. Our goal? Empowering you with financial knowledge to make smart decisions, not quick fixes that lead to debt traps.
We flip the script by letting lenders compete for you, not the other way around. Only the most competitive offers are put forward, so you can choose the one that’s right for you.
We match you with personalised loan offers without hurting your credit score or exposing your personal data. Our reverse auction model lets banks compete to offer you the best rate—while you sit back and wait.
Getting a loan should be simple. That’s why we’ve helped over many Singaporeans secure the funds they need. Sometimes in as little as 20 minutes.
When searching for the most affordable personal loans in Singapore, comparing interest rates from different banks is critical. Some of the most competitive annual interest rates for personal loans range from around 3.4% to 5.4%, with effective interest rates (EIR) from approximately 6.3% to 12.1%, depending on the lender and loan terms.
If you’re looking for the best $10,000 personal loans in Singapore, consider options from banks such as DBS, CIMB, OCBC, Citibank, and Standard Chartered, which offer competitive interest rates. You can expect annual interest rates ranging from about 3.4% to 4.0% for a 2-year $10,000 loan from these banks.
Banks are a popular choice for personal loans in Singapore, offering credibility and competitive interest rates. Some of the best banks for personal loans include DBS, CIMB, OCBC, HSBC, Standard Chartered, Maybank, and Citibank. These banks offer personal loan interest rates ranging from approximately 3.4% to 5.4% per annum.
The loan amount you can qualify for in Singapore depends on several factors, primarily your annual income. Banks typically extend personal loans up to 4 times your monthly salary. For example, if your annual income is $30,000 (or $2,500 per month), you may be eligible for a personal loan of up to $10,000 from a bank.
Take control of your finances with MoneyRight—because the right loan makes all the difference
| Lender | Annual Interest Rate | Effective Interest Rate | Processing Fee | Monthly Payment |
|---|---|---|---|---|
| OCBC Extra Cash | 5.43% | 11.47% | $200.00 | S$336 |
| OCBC Personal Loan | 5.43% | 5.44% | 1% of approved loan | S$305 |
| POSB Personal Loan | 1.99% | 4.43% | $100.00 | S$300 |
| DBS Personal Loan | 2.68% | 5.43% | $100.00 | S$305 |
| Maybank CreditAble Term Loan | 3.28% | 6.2% | $200.00 | S$311 |
| Standard Chartered CashOne Personal Loan | 2.88% | 6.20% | N/A | S$305 |
| HSBC Personal Loan | 2.92% | 5.50% | N/A | S$302 |
| Citibank Quick Cash Loan | 3.45% | 6.50% | N/A | S$306 |
| Trust Bank Instant Loan | 2.79% | 5.27% | N/A | S$301 |
| GXS FlexiLoan | 0.00% | 4.13% | N/A | S$296 |
| CIMB Personal Loan | 2.80% | 5.28% | N/A | S$301 |
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MoneyRight is a digital loan-matching platform that helps users find and compare personalised loan offers from multiple banks and licensed moneylenders in Singapore. With just one application using Singpass, our system matches you with the best offers based on your verified profile—without you needing to contact each lender individually.
A personal loan is an unsecured loan, meaning it doesn’t require any collateral. It can be used for almost any purpose—such as weddings, renovations, emergencies, debt consolidation, or business expenses. Since there’s no collateral, approval depends mainly on your credit score, income, and financial stability.
Applying through MoneyRight saves you time and protects your credit score. When you apply to multiple lenders directly, each application leaves a mark on your credit report. With MoneyRight, you submit one application and get real personalised offers from multiple lenders—without multiple credit checks. This means better comparison, better rates, and no unnecessary credit score impact.
MoneyRight is not a lender and therefore does not require a moneylending license. We are a fintech company that connects borrowers with licensed financial institutions and lenders regulated by the Monetary Authority of Singapore (MAS) or the Ministry of Law.
Each lender has its own criteria, but most look for:
Meeting these general criteria gives you a higher chance of receiving better offers through our platform.
MoneyRight is a digital loan-matching platform that helps users find and compare personalised loan offers from multiple banks and licensed moneylenders in Singapore. With just one application using Singpass, our system matches you with the best offers based on your verified profile—without you needing to contact each lender individually.
A personal loan is an unsecured loan, meaning it doesn’t require any collateral. It can be used for almost any purpose—such as weddings, renovations, emergencies, debt consolidation, or business expenses. Since there’s no collateral, approval depends mainly on your credit score, income, and financial stability.
Applying through MoneyRight saves you time and protects your credit score. When you apply to multiple lenders directly, each application leaves a mark on your credit report. With MoneyRight, you submit one application and get real personalised offers from multiple lenders—without multiple credit checks. This means better comparison, better rates, and no unnecessary credit score impact.
MoneyRight is not a lender and therefore does not require a moneylending license. We are a fintech company that connects borrowers with licensed financial institutions and lenders regulated by the Monetary Authority of Singapore (MAS) or the Ministry of Law.
Each lender has its own criteria, but most look for:
Meeting these general criteria gives you a higher chance of receiving better offers through our platform.
The loan terms and interest rates offered to you will be based on your financial profile—such as your income, credit history, existing debts, and employment status. MoneyRight helps you compare real personalised offers, not just advertised rates, so you can choose what suits you best.
The application is quick and easy. You log in with Singpass, and we retrieve the necessary documents (like income and CPF history) securely and instantly. Based on this data, lenders can generate personalised offers for you within minutes. If you prefer, you can also apply manually by uploading the required documents.
Once you accept an offer from a licensed bank, you may receive the funds as fast as within 15 minutes. If you choose a licensed moneylender, regulations may require you to visit their office for identity verification before disbursement.
Yes, personal loans are flexible. You can use them for anything from household expenses and weddings to emergencies, education, or consolidating other debts. How you use the funds is entirely up to you.