Promotions

MoneySmart Exclusive: Get S$100 Cash

MoneySmart Exclusive: Earn S$100 Bonus Cash when your loan gets approved. Minimum approved loan amount of S$20,000. Eligible for applications from 01-30 Apr 2019. Click here for promotion T&Cs
Important – Go to MoneySmart Claim Form to submit your (1) Contact Details and (2) Application Reference Number on the Thank You Page upon completion on or before 30 Apr 2019 to get your S$100 Cash Gift
If you meet all the conditions for eligibility, you will receive your Eligibility Email in minimum ten (10) weeks from the end of promotion date (30 Apr 2019) or after loan approval date, whichever is later, via the email you've provided in the Gift Redemption Page

3.88% p.a. guaranteed on all loan amounts + $199 Cashback

Apply through MoneySmart and you will be entitled to MoneySmart exclusive interest rate of 3.88% p.a. flat + $199 Cashback
All loan tenure and loan amount of S$1,000 and above are eligible for this MoneySmart exclusive interest rate; valid till 30 April 2019
This is applicable to annual income of S$30,000 and above
Click here for the 3.88% + $199 Cashback MoneySmart Exclusive promotion T&Cs and here for the Next Day Cash* promotion T&Cs

Key Features

MoneySmart Exclusive- 3.88% p.a. guaranteed
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
*Click here for more details.

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

Next Day Cash*

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

1st year annual fee waiver worth S$199

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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