Updated 16 December 2018
Get the latest Personal Loan interest rates for Singapore on MoneySmart.sg. See how personal loans compares against other banks and apply instantly online.
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4.55%
Interest Rate (EIR 8.50% p.a.)
0%
Processing Fee
$316
Per Month
| Citizenship Status | Singaporean / PR |
| Minimum Annual Income | $30,000 |
| Maximum Loan Tenure | 5 years |
| Processing Fee | 0% |
| Principal Loan Amount | $10,000 |
| Monthly Instalments | $316 |
| Interest Rate (per annum) | 4.55% |
| Loan Tenure | 3 years |
| Total Amount Payable | $11,365 |
| Total Interest Payable | $1,365 |
3.88%
Interest Rate (EIR 7.97% p.a.)
0%
Processing Fee
$310
Per Month
| Citizenship Status | Singaporean / PR |
| Minimum Annual Income | $30,000 |
| Maximum Loan Tenure | 5 years |
| Processing Fee | 0% |
| Principal Loan Amount | $10,000 |
| Monthly Instalments | $310 |
| Interest Rate (per annum) | 3.88% |
| Loan Tenure | 3 years |
| Total Amount Payable | $11,164 |
| Total Interest Payable | $1,164 |
3.88%
Interest Rate (EIR 7.90% p.a.)
1% of loan amount
Processing Fee
$310
Per Month
| Citizenship Status | Singaporean / PR |
| Minimum Annual Income | $20,000 |
| Maximum Loan Tenure | 5 years |
| Processing Fee | 1% of loan amount |
| Principal Loan Amount | $10,300 |
| Monthly Instalments | $310 |
| Interest Rate (per annum) | 3.88% |
| Loan Tenure | 3 years |
| Total Amount Payable | $11,164 |
| Total Interest Payable | $1,164 |
3.88%
Interest Rate (EIR 7.90% p.a.)
1% of loan amount
Processing Fee
$310
Per Month
| Citizenship Status | Singaporean |
| Minimum Annual Income | $20,000 |
| Maximum Loan Tenure | 5 years |
| Processing Fee | 1% of loan amount |
| Principal Loan Amount | $10,300 |
| Monthly Instalments | $310 |
| Interest Rate (per annum) | 3.88% |
| Loan Tenure | 3 years |
| Total Amount Payable | $11,164 |
| Total Interest Payable | $1,164 |
4.80%
Interest Rate (EIR 9% p.a.)
$88
Processing Fee
$318
Per Month
| Citizenship Status | Singaporean / PR |
| Minimum Annual Income | $30,000 |
| Maximum Loan Tenure | 7 years |
| Processing Fee | $88 |
| Principal Loan Amount | $10,000 |
| Monthly Instalments | $318 |
| Interest Rate (per annum) | 4.80% |
| Loan Tenure | 3 years |
| Total Amount Payable | $11,440 |
| Total Interest Payable | $1,440 |
5.80%
Interest Rate (EIR 12.12% p.a.)
2% of loan amount
Processing Fee
$326
Per Month
| Citizenship Status | Singaporean / PR |
| Minimum Annual Income | $20,000 |
| Maximum Loan Tenure | 5 years |
| Processing Fee | 2% of loan amount |
| Principal Loan Amount | $10,600 |
| Monthly Instalments | $326 |
| Interest Rate (per annum) | 5.80% |
| Loan Tenure | 3 years |
| Total Amount Payable | $11,740 |
| Total Interest Payable | $1,740 |
MoneySmart lists personal loan products that range between a minimum of 1 to a maximum of 7 years. The effective interest rate (EIR) of loan products on our site range from 8.5% p.a. to up to 20.0% p.a. The EIR of your loan will be dependent on the loan you apply for as well as your personal financial needs.
For example, you would need to pay S$316/month for a S$10,000 personal loan with a loan tenure of 3 years. This would equate to a total payment of S$11,376 over 3 years. Please view each personal loan product in detail for a full breakdown of the interest rate chargeable, minimum and maximum loan tenure as well as processing fees (if applicable).
