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Whatever your reason for borrowing, our personal loans in Singapore are designed to support a wide range of financial needs; from medical bills to weddings, further education, home upgrades or travel.
A personal loan is generally unsecured borrowing ; no collateral is required ; where you repay the principal, interest and any applicable fees according to an agreed repayment schedule. Before accepting a personal loan, make sure you understand the loan amount, interest rate, applicable fees, repayment schedule, loan tenure and total amount payable.
Eligibility for a fast personal loan in Singapore may depend on factors such as your age, employment status, income, residency status, existing financial commitments and supporting documents. Meeting these factors does not automatically guarantee approval ; all applications remain subject to assessment and applicable requirements.
You’ll need to provide information about your employment status and income ; such as recent payslips or CPF contribution records — as part of your application. This helps us assess your ability to meet your repayments; employment alone does not guarantee approval.
Applicants must be between 21 and 63 years old at the time of application.
You must be a Singapore Citizen, Permanent Resident, or hold an eligible work pass (such as an S Pass or Work Permit) to apply. Meeting this criterion does not automatically guarantee approval ; for foreign nationals, we also offer dedicated foreigner loan services.
Unilink Credit is licensed by the Ministry of Law’s Registry of Moneylenders (Licence No. 143/2024). You can verify any moneylender, including us, against the official list of licensed moneylenders in Singapore.
As required of all licensed moneylenders, we meet every borrower in person at our office to verify your identity against your original identification document before any loan is granted — see our guide on borrowing from licensed moneylenders in Singapore for what to expect.
Before you accept a loan, we set out your interest rate, loan tenure, administrative fees, late fees, any early settlement charges, and your full repayment schedule and total amount payable, so there’s nothing hidden in your contract.
Every application is assessed on factors such as your income, existing financial commitments, requested loan amount and ability to meet your repayment obligations ; not simply approved on request.
A legal personal loan gives you access to funds for a variety of life events and financial needs, with the added protection of borrowing from a moneylender licensed by the Ministry of Law (Licence No. 143/2024); so your loan terms, interest rate, and repayment schedule are all regulated and disclosed upfront, unlike an unlicensed lender.
“Our personal loan interest rates start from 1% per month* and are capped at 4% per month under the Ministry of Law’s Moneylenders Rules; the same statutory ceiling that applies to every licensed moneylender in Singapore. Your actual rate depends on your loan amount, income, and eligibility.
*Terms and conditions apply.”
Our personal loan process is quick and straightforward. Here’s how it works, from application to disbursement.
We’ve answered the most frequent questions about our personal loan services, making it easier for each individual to decide with peace of mind.
Our personal loan interest rates are competitive and kept as low as possible, in line with Singapore’s regulations for licensed moneylenders. Rates may vary based on your loan amount, tenure, and financial profile.
In many cases, we can approve your loan within minutes once all required documents are submitted. For urgent applications, reach out to our money lender team in Singapore directly for faster processing.
Typically, you’ll need your NRIC, recent payslips, CPF statements, income tax documents, and a recent utility or phone bill. If unsure, contact us today and our team will guide you.
No, our personal loans are unsecured, meaning no collateral is required.
You may repay the loan ahead of schedule. Speak with our loan officers to confirm any applicable terms before making early payment.
A personal term loan is a lump sum with a fixed repayment plan and interest rate, helping you manage larger, planned expenses over time. A personal credit line, on the other hand, allows you to withdraw funds as needed up to a set limit, with varying interest rates. This option is better suited for unpredictable expenses where you require flexible access to cash.
Need cash urgently? At Unilink Credit, we’re here to help. Whether it’s for bills, travel, emergencies, or small purchases, our instant cash loan in Singapore is fast, legal, and easy to apply for.
If you meet the eligibility and credit checks, we’ll tailor a flexible repayment plan, weekly, fortnightly, or monthly, to suit your needs. With good credit, you may qualify for a legal personal loan of up to four times your monthly salary.
Apply now for a quick consultation! We’re just a call or message away.
We pride in being one of the most trusted Money Lender in Singapore, and we invite you to call us for any unique loan request in the city. Our business is duly licensed and the services we offer are all regulated by the Registry of Moneylenders.
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