Promotions

MoneySmart Exclusive: 4.98% p.a. Interest Rate (EIR from 9.29% p.a.) + S$50 Online Cashback

Apply through MoneySmart and you will be entitled to MoneySmart exclusive interest rate of 4.98% p.a. (EIR from 9.29% p.a.)
Loan amounts S$50,000 and above are eligible for this MoneySmart exclusive interest rate
Loan amounts below S$50,000 will have interest rate of 5.68% p.a. (EIR from 10.74% p.a.)
This is applicable to annual income of S$30,000 and above
Loan must be applied through MoneySmart and approved between 8 Jun - 31 Aug 2018 to enjoy the S$50 Cashback
Click here for the full MoneySmart Exclusive promotion T&Cs and here for the Next Day Cash promotion T&Cs

Get S$199 Cash Credit

Applicable only for new and approved applications
To offset first year annual fees
Valid till 31 Aug 2018

Key Features

MoneySmart Exclusive - 4.98% p.a. interest rate (EIR from 9.29% p.a.) and S$50 online cashback
Enjoy $199 credit to offset the 1st year annual fee
Apply and get cash the very next banking day.Click here for more details.
Borrow up to 4x your monthly income, subjected to a max loan amount of S$250,000

Repayment Summary

Principal Loan Amount

$10,000

Loan Tenure

3 years

Interest Rate (per annum)

5.68%

Monthly Instalments

$325

Total Amount Payable

$11,704

Total Interest Payable

$1,704

Approval Duration

1 - 2 weeks

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

$30,000

Fees & Charges

Processing Fee

N.A.

Restructuring Fee

$50 for change of loan tenure

Late Payment Fee

$80

Partial Repayment Penalty

$250 or 3% of the outstanding principal, whichever is higher

Full Repayment Penalty

$250 or 3% of the outstanding principal, whichever is higher

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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