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Compare Banks for Personal Loans
Standard Chartered, HSBC, and Citibank offer personal loans with the lowest interest rates and most competitive terms.
HSBC Personal Loan
S$0
3.20%
Interest rate*
EIR: 6%
Processing Fees
Key Features
- One of the lowest interest rates from 3.2% p.a (EIR 6% p.a) for those earning min. S$30,000 annually. - No processing fees - 1 min in-principle approval - Min. loan amount of SGD1,000 - P.A. EIR ranges from 6% to 14% - Fixed monthly repayments with choice of tenor between 1 and 7 years - Min. income for salaried Singaporeans/PRs: S$30,000 p.a. Min. income for foreigners residing in Singapore and self-employed/commissioned-based earner Singaporeans: S$40,000 p.a. - Early repayment fee: 2.5% of the repayment amount - Overdue interest: 2.5% + prevailing interest on overdue amount - Late payment fee: S$75 for each monthly repayment that is not received in full by the monthly due date *Note that the rates provided to you are customised and might differ from what is displayed here.
Citi Bank Quick Cash
S$0
3.45%
Interest rate*
EIR: 6.5%
Processing Fees
Key Features
- Instant processing within 60 seconds upon verification of loan application - No processing fees - Borrow up to 4x your monthly salary at S$0 processing fee, for a min. loan amount of S$1,000 - Convert unutilised credit limit to cash deposited in your Citi deposits account in under a minute Min. income for Singaporeans/PRs: S$30,000 p.a. Min. income for foreigners: S$42,000 p.a. - Instant loan disbursement available only for Citi deposit accounts displayed in the 'funds disbursement option' field - Cancellation fee: 3% of outstanding unbilled principal amount or S$100, whichever is higher - If min. payment amount is overdue for two consecutive months, the loan will be terminated and the total outstanding amount will be billed *Note that the rates provided to you are customised and might differ from what is displayed here.
SC Cash One
3.48%
Interest rate*
EIR: 6.95%
S$0
Processing Fees
Key Features
- Get up to S$3,100 Cashback upon approval - Enjoy interest rates from as low as 3.48% p.a. (EIR: 6.95% p.a.) for longer tenures. Get instant loan approval and cash disbursement in as quick as 15 minutes to your designated bank account. - Enjoy a 5-year annual fee waiver on your Standard Chartered Platinum Visa credit card - Min. loan amount of SGD1,000. Max. loan amount of up to 4X monthly salary, capped at SGD250,000 - Waiver of S$50 annual fee (from 2nd year till expiry of loan) if all instalments for the year are paid on or before the due date - First year annual fee: S$199 - Early repayment fee: S$150 or 3% of the outstanding principal, whichever is higher - Change of tenor: S$50 per change - Late payment fee: S$100 *Note that the rates provided to you are customised and might differ from what is displayed here.
Compare personal loans with the lowest interest rates and most competitive terms
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