Interest Rate
(EIR 7.97% p.a.)

Total Amount Payable

Processing Fee

Available

Promotions

MoneySmart Exclusive: Guaranteed 3.88% i/r + S$359 Cashback + Instant Cash Disbursement!

Get 3.88% p.a. + S$199 Cashback: All loan tenure and loan amount of S$1,000 and above + annual income of S$30,000 and above are eligible for this interest rate; valid till 31 Oct 2019. Bank Terms & Conditions apply
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Min. loan repayment of 1 year to Max. of 5 years

Loan tenure period of minimum 1 year to a maximum of 5 years

Key Features

MoneySmart Exclusive- 3.88% p.a. guaranteed
Instant Approval and loan disbursement if you apply with MyInfo via MoneySmart
Applicable for all loan tenure and loan amount of $1,000 and above
1st year annual fee waiver worth S$199 (As cashback)
Apply and get cash the very next banking day*
Borrow up to 4x your monthly income, subject to a max loan amount of S$250,000
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Repayment Summary

Principal Loan Amount

$10,000

Loan Tenure

3 years

Interest Rate (p.a)

3.88%

Monthly Instalments

$310

Total Amount Payable

$11,164

Total Interest Payable

$1,164

Approval Duration

Instant Approval

Eligibility

Citizenship Status

Singaporean / PR

Age Requirement

21 - 65 years old

Employment Status

Salaried Employee, Variable/Commission-based Employees or Self Employed

Minimum Annual Income

$20,000

Fees & Charges

Processing Fee

1st year annual fee waiver worth S$199

Restructuring Fee

$50 for change of loan tenure

Late Payment Fee

$80

Partial Repayment Penalty

$150 or 3% of the outstanding principal, whichever is higher

Full Repayment Penalty

$150 or 3% of the outstanding principal, whichever is higher

See all personal loan

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).

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