Best Personal Loans with Low Interest Rates & Fast Approval in Singapore 2025

Looking for the lowest personal loan interest rates in Singapore? Find & compare today! Read More
20,000 personal loan Paid over 1 year
S$
We found 20 Personal Loans for you!
GXS FlexiLoan

Per Month ²

S$1,715

Per Month ²
MoneySmart Exclusive
Low Rates, No Fees, Flexible Borrowing!
Interest Rates ¹
EIR: From 3.47% p.a.
From 1.88% p.a.
Total Amount Payable
S$20,576
Processing Fee ²
S$0
Per Month ²
S$1,715

[FLASH DEAL | Up to S$1,700 Cash | Lower Interest Rate Promo]
Get up to S$500 CASH BONUS on top of up to S$1,200 Cash via PayNow or attractive gifts worth up to S$1,499 (Apple 13-inch MacBook Air) and get them in AS FAST AS 2-3 MONTHS when you apply for a min. loan of S$8,000!
 
PLUS from 21 May - 31 July 2025, enjoy 1% OFF your Interest Rate (awarded in the form of cashback) when you apply for a S$10,000 loan with 12 month tenure with the code MSDEALT&Cs apply.

Valid until 31 Jul 2025 - See more details below
Standard Chartered CashOne

Per Month

S$1,698

Per Month
MoneySmart Exclusive
Attractive Gifts! | STACKABLE Online Promo
Promotion ends in
Interest Rate
EIR*: From 3.63% p.a.
From 1.90% p.a.
Total Amount Payable
S$20,380
Processing Fee
S$0
Per Month
S$1,698

Choose from up to S$1,200 Cash via PayNow or gifts such as the Apple 13-inch MacBook Air (worth S$1,499), Apple 11-inch iPad Air 128GB (worth S$899), Sony PS5 (SLIM) Digital Edition (worth S$669) and more! T&Cs apply
 
[STACKABLE SCB Pinball Sure Win Promotion]
Apply for an eligible SCB Personal Loan and unlock sure-win prizes like a Paris Getaway for Two (flights, hotels and iconic experiences), Samsonite luggage, FairPrice/ Klook vouchers, and more worth S$12,000 or more! T&Cs apply.

Valid until 08 Jul 2025 - See more details below
Trust Instant Loan

Per Month

S$1,700

Per Month
MoneySmart Exclusive
LOAN APPROVAL IN 60 SECONDS!
Interest Rate*
EIR: From 3.80% p.a.
From 1.99% p.a.
Total Amount Payable
S$20,398
Processing Fee
S$0
Per Month
S$1,700

Get up to S$1,200 Cash via PayNow or up to 14,335 SmartPoints (which you can use to redeem gifts like an Apple iPhone 16 Plus, Apple iPad Air, Sony PS5 (SLIM) Digital and more on our Rewards Store!) T&Cs apply.
 
PLUS get S$10 FairPrice E-Vouchers from Trust when you sign up with the referral code MONEYSMT. Valid for New-To-Trust customers only. T&Cs apply.

Valid until 31 Jul 2025 - See more details below
UOB Personal Loan

Per Month

S$1,698

Per Month
MoneySmart Exclusive
FASTEST FULFILMENT | AS FAST AS 4 WEEKS*
Interest Rate*
EIR: From 3.40% p.a.
From 1.85% p.a.
Total Amount Payable
S$20,370
Processing Fee
S$0
Per Month
S$1,698

[FLASH DEAL | FASTEST GIFT FULFILMENT]
Get up to S$1,200 Cash or attractive gifts worth up to S$1,399 like an Apple iPhone 16 Plus 128GB in AS FAST AS 4 WEEKS, when you apply for UOB Loan.
 
PLUS get additional up to S$500 Cash Bonus on top of your baseline gifts! T&Cs apply.

Valid until 08 Jul 2025 - See more details below
GXS FlexiLoan (Balance Transfer)

Per Month

From S$100

Per Month
MoneySmart Exclusive
No lock-in period
Interest Rate ¹
EIR : 4.13% p.a
0% p.a.
Total Amount Payable
S$20,000
Processing Fee ²
From 1.35%
Per Month
From S$100

[FASTEST GIFT FULFUILMENT}
Get up to S$250 Cash via PayNow or an Apple AirPods Pro 2 (worth S$349) in AS FAST AS 4 WEEKS* when you apply for a GXS Balance Transfer loan with a min. of S$8,000 with a min loan tenure of 10 months. T&Cs apply.

Valid until 31 Jul 2025 - See more details below
CIMB Personal Loan

Per Month

S$1,711

Per Month
MoneySmart Exclusive
Loan up to 8x monthly income
Interest Rate
EIR*: From 5.06% p.a.
From 2.68% p.a.
Total Amount Payable
S$20,536
Processing Fee
S$0
Per Month
S$1,711

Choose from up to S$1,220 Cash via PayNow or attractive gifts like an Apple 13-inch MacBook Air (worth S$1,499), Apple iPhone 16e (worth S$949), Sony PS5 (SLIM) Digital Edition (worth S$669), and more! T&Cs apply.

Valid until 13 Jul 2025 - See more details below
HSBC Personal Loan

Per Month

S$1,703

Per Month
MoneySmart Exclusive
Quick Application via MyInfo, Instant Disbursement
Interest Rate*
EIR: From 4.00% p.a.
From 2.20% p.a.
Total Amount Payable
S$20,440
Processing Fee
S$0
Per Month
S$1,703

Get up to S$1,100 Cash via PayNow or earn up to 13,320 SmartPoints! Use SmartPoints earned to redeem any product of your choice from our Rewards StoreT&Cs apply.

Valid until 31 Jul 2025 - See more details below
Citi Quick Cash Program with Ready Credit

Per Month

S$1,726

Per Month
MoneySmart Exclusive
Interest Rate
EIR: From 6.50% p.a.
From 3.45% p.a.
Total Amount Payable
S$20,712
Processing Fee
S$0
Per Month
S$1,726

Get S$50 Cash or 500 SmartPoints when you apply for a loan of min. S$8,000 with min 1 year tenure through MoneySmart! T&Cs apply.

Valid until 31 Jul 2025 - See more details below
Trillion Credit Solutions Personal Loan

Per Month

S$2,121

Per Month
Interest Rate
EIR*: From 30.91% p.a.
From 27.24% p.a.
Total Amount Payable
S$25,448
Processing Fee
S$2,000
Per Month
S$2,121
Credible.sg Personal Loan

Per Month

S$1,900

Per Month
Interest Rate
EIR*: From 14.93% p.a.
From 14% p.a.
Total Amount Payable
S$22,800
Processing Fee
S$0
Per Month
S$1,900
Friday Finance Personal Loan

Per Month

S$2,027

Per Month
Interest Rate
EIR*: From 23.87% p.a.
From 21.6% p.a.
Total Amount Payable
S$24,320
Processing Fee
S$1,600
Per Month
S$2,027
DBS Eco-aware Renovation Loan

Per Month

S$1,748

Per Month
Interest Rate
EIR*: From 5.96% p.a.
From 4.88% p.a.
Total Amount Payable
S$20,976
Processing Fee (Approved Loan)
S$400
Per Month
S$1,748
DBS Renovation Loan

Per Month

S$1,751

Per Month
Interest Rate
EIR*: From 6.16% p.a.
From 5.08% p.a.
Total Amount Payable
S$21,016
Processing Fee (Approved Loan)
S$400
Per Month
S$1,751
OCBC ExtraCash Loan

Per Month

S$1,759

Per Month
Interest Rate*
EIR: From 10.96% p.a.
From 5.42% p.a.
Total Amount Payable
S$21,108
Processing Fee
S$200
Per Month
S$1,759
Maybank CreditAble Term Loan

Per Month

S$1,714

Per Month
Interest Rate
EIR: From 5.24% p.a.
2.86% p.a.
Total Amount Payable
S$20,572
Processing Fee
Waived for: Online
S$0
Per Month
S$1,714
DBS Personal Loan

Per Month

S$1,711

Per Month
Interest Rate*
EIR: From 4.17% p.a.
From 1.99% p.a.
Total Amount Payable
S$20,536
Processing Fee
From 1% of Approved Loan Amount
Per Month
S$1,711
POSB Personal Loan

Per Month

S$1,711

Per Month
Interest Rate*
EIR: From 4.17% p.a.
From 1.99% p.a.
Total Amount Payable
S$20,536
Processing Fee
From 1% of Approved Loan Amount
Per Month
S$1,711
OCBC FRANK Education Loan

Per Month

S$1,742

Per Month
Interest Rate
EIR: From 5.17% p.a.
From 4.5% p.a.
Total Amount Payable
S$20,900
Processing Fee
S$500
Per Month
S$1,742
POSB Further Study Assist (Local)

Per Month

S$1,740

Per Month
Interest Rate
From 4.38% p.a.
Total Amount Payable
S$20,876
Processing Fee
S$500
Per Month
S$1,740
HSBC Renovation Loan

Per Month

S$1,703

Per Month
MoneySmart Exclusive
Quick Application via MyInfo, Instant Disbursement
Interest Rate*
EIR: From 4.00% p.a.
From 2.20% p.a.
Total Amount Payable
S$20,440
Processing Fee
S$0
Per Month
S$1,703

Get up to S$1,100 Cash via PayNow or earn up to 13,320 SmartPoints! Use SmartPoints earned to redeem any product of your choice from our Rewards StoreT&Cs apply.

Valid until 31 Jul 2025 - See more details below

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