Personal Loan
Nothing beats our best personal loan offers when you have emergency financial issues troubling you.
The Loan You Not Only Deserved But Personalised To Your Needs
One never knows the misfortune that awaits ahead. Whether it is a sudden medical emergency, ballooning of high-interest rate debts, or the struggle to sustain our daily expenses.
It is life, it is normal, and it is understandable. Nonetheless, if you are in such a position, if you are looking for the best personal loan Singapore, we are here to help you.
Experience financial freedom with 365 Credit’s personal loans, offering up to 6x your monthly salary for any purpose, from emergencies to home renovations.
Benefit from competitive personal loan interest rates as low as 1% per month and flexible repayment terms that fit your life.
Applying is quick and secure – complete our simple online form and, with the necessary documents, you could receive funds the same day. Our expert loan officers are ready to guide you, ensuring a transparent and responsible borrowing experience.
Trust in our licensed services, compliant with the Ministry of Law, to move forward with your financial goals. Apply the best personal loans in Singapore with 365 Credit today and join countless satisfied borrowers who have found their financial solution with us.
Benefits of Choosing 365 Credit Solutions
Instant Cash
Secure funds in less than an hour. Because time is money.
Tailored For You
Best rates in a plan designed just for you.
Safe & Secure
Your data, our responsibility. Your information is safe with us.
Zero Hidden Charges
What you see is what you get. Honesty in every transaction.
Flexible Repayments
Custom plan that suits your financial needs. Tenures of up to 12 months.
Want to Get a
Personal Loan
With Us?
Follow These Simple Steps Below!
Apply Online
Fill out our quick application form.
Await A Call
Our loan officer will contact you for eligibility questions.
Receive Funds
If eligible, you can collect your cash at our office after discussing terms and signing the contract.
Eligibility
At Least 21 Years Old
Minimum Salary of SGD2,000
for Singaporean Locals & PRs
Minimum Salary of SGD3,000
for Foreigners Working in Singapore
Requirements
Singaporean Locals & PRS
- Identity Card / NRIC
- Proof of residence (utility bill, a letter addressed to you, and or tenancy agreement)
- Proof of employment (certificate of employment if your job is less than 3 months)
- Recent 3 months payslip
- SingPass (to log into CPF, HDB, IRAS website)
Foreigners Working in Singapore
- Passport
- Work permit / S-Pass / Employment pass
- Proof of residence (utility bill or tenancy agreement)
- Proof of employment (certificate of employment if your job is less than 3 months)
- Recent 3 months payslip
- Proof of income (bank or account statement)
- Singpass (to log into IRAS website)
Frequently Asked Questions
A personal loan is an unsecured loan that offers borrowers a lump sum of money, often up to 6 times their monthly salary, for various personal expenses. Repayment is typically structured into fixed installments, typically spanning 6 to 12 months, over an agreed-upon period.
Personal loans can offer several benefits:
- Financial Flexibility : Personal loans provide you with the flexibility to use the funds for various purposes, whether it’s covering unexpected emergencies, making home improvements, or addressing other personal needs.
- Structured Repayment Plans: Personal loans typically come with structured repayment plans, making it easier to budget and manage your finances. You’ll know exactly when and how much you need to repay each month.
- Potentially Lower Interest Rates: In many cases, personal loans may have lower interest rates compared to credit cards, which can help you save on interest costs over time.
By utilizing a personal loan wisely, you can gain the financial flexibility needed to meet your goals and address your financial needs efficiently.
Before taking out a personal loan in Singapore, it’s crucial to make an informed decision that aligns with your financial well-being. Consider the following factors to ensure you’re on the right track:
- Know Your Finances: Understand your income, expenses, and existing debts to determine a manageable loan amount.
- Define Your Purpose: Clearly identify the purpose of the loan, whether it’s for education, medical expenses, home improvements, etc.
- Compare Interest Rates: Shop around for competitive interest rates from different lenders in Singapore.
- Check Fees and Terms: Be aware of any additional fees and understand the loan terms, including repayment schedules.
- Assess Repayment Ability: Borrow only what you can comfortably repay to avoid financial strain.
In order to qualify a personal loan from us, you’ll need to
- At Least 21 Years Old
- Minimum Salary of SGD2,000 for Singaporean Locals & PRs
- Minimum Salary of SGD3,000 for Foreigners Working in Singapore
For Singaporean Locals & PRS:
- Identity Card / NRIC
- Proof of residence (utility bill, a letter addressed to you, and or tenancy agreement)
- Proof of employment (certificate of employment if your job is less than 3 months)
- Recent 3 months payslip
- Singpass (to log into CPF, HDB, IRAS website)
For Foreigners:
- Passport
- Work permit / S-Pass / Employment pass
- Proof of residence (utility bill or tenancy agreement)
- Proof of employment (certificate of employment if your job is less than 3 months)
- Recent 3 months payslip
- Proof of income (bank or account statement)
- Singpass (to log into IRAS website)
Loan amounts and loan tenures are often determined based on your eligibility, financial circumstances, and the lender’s policies.
Your loan amount will depend on the legal requirement and your qualification. Here’s the list of loanable amount that you can loan:
| Borrower’s annual income | Singapore Citizens and Permanent Residents | Foreigners residing in Singapore |
|---|---|---|
| Less than SGD10,000 |
SGD3,000 |
SGD500 |
|
At least SGD10,000 and less than SGD20,000 |
SGD3,000 | |
| At least SGD20,000 | 6 times monthly income | 6 times monthly income |
Very quickly indeed! We pride ourselves on giving you excellent service with quick and high approval rates. Once you’ve submitted all the necessary documents along with your loan application, it would only take us half an hour to approve your application.
You could even receive your money within the hour in some cases!
Applying for a personal loan with 365 Credit is a straightforward process. Here are the steps to get started:
Step 1: Submit Online Application: Simply fill up the loan application form. It takes only 2 minutes.
Step 2: Receive Application Status: Receive a call and schedule an appointment for your loan application.
Step 3: Loan Disbursement: Visit our office, sign the loan contract, and receive your approved loan amount instantly.
Yes, reputable licensed money lenders like 365 Credit prioritizes data security. We use encryption and follow industry best practices to safeguard your personal information.
Yes, we allow early repayment without penalties. We also offer discounts if you pay in advance. Please contact your loan officer to learn more about our early repayment policy.
Yes, it is possible to obtain a personal loan from us even if you have existing loans with other lenders. However, your eligibility and approval may depend on your current financial obligations and creditworthiness.
Yes, you can still get a loan from us even if you have a low credit score. We take into consideration your income and capability to repay the loan. However, it’s always best to consider improving your credit history to get the best loan rates.
