What is a personal loan?

A personal loan is a loan that is given without any collateral involved. Borrowers must have an acceptable credit history in order to get a fast personal legal loan approval in Singapore. A personal loan can really come in handy especially if you would need a large sum of cash on hand to fund a project, a wedding, an air ticket, etc.

Get an Instant Cash Loan in Singapore Today

If you require cash urgently, you need not worry as in Unilink Credit, our financial experts are here to help. Regardless of whether you need an instant cash loan in Singapore for your bills, vacations, small purchases or emergency use, you can count on us to provide you an instant cash loan in Singapore at your convenience. Our personal loan is one of the easiest loans to apply for and at a reasonable interest rate. As long as you satisfy the legal eligibility criteria and credit checks, you can rely on us to provide you a legal loan package with a flexible repayment schedule on a case-by-case basis. Our legal repayment schedule comes in the form of weekly, fortnightly or monthly payment, depending on your current situation. Furthermore, if you established an excellent credit rating with us, you will be eligible for a legal personal loan in Singapore of up to four times your monthly salary.

Personal Loan Eligibility

  • Full time employment
  • At least 21-63 years old
  • Must be a Singaporean or Permanent Resident

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Personal Term Loan Vs. Personal Credit Line

A personal term loan is a sum of money that has a fixed repayment plan with a fixed interest rate that will be agreed on before you undertake this plan. A term loan is helpful especially for buying fixed assets on a monthly basis. This will help you to plan out your finances and to stretch the repayment of a particular asset over a period of time. Usually term loans have a lower interest rate.

A personal credit line, which is often referred to as a flexible repayment loan is an amount of money that you agree to cash out in part or in whole. However, you would need to pay back that amount as soon as you can as the interest rates might vary. A credit line is helpful for unpredictable expenses and you would need to access cash from your credit line. As long as you do not exceed the maximum contract amount, you would not need to bear with high interest rates.

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