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good debts

THE PSYCHOLOGICAL STRESS YOU ARE FACING ARE DAILY PROBLEMS THAT WE ASSIST TO SOLVE.

Personal Financing Solutions

Explore credit optimization, personal loans, renovation financing and vehicle hire-purchase solutions tailored to different financial needs.

Credit Profile Support

CBS Repair & Optimization

A structured approach to reviewing, rebuilding and optimizing your credit profile so you can prepare for future financing opportunities.

✓ Guidance on obtaining a first facility for GX or CX credit scoring
✓ Facility assessment after fully settled defaults
✓ Credit-profile improvement strategies, including case-dependent HH to AA targets
✓ Refinancing high credit-card balances into more manageable monthly instalments
Credit improvement timelines and outcomes vary according to repayment history, existing facilities, credit utilization and lender assessment.
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Unsecured Bank Financing

MAS-Licensed Banks’ Personal Loans

Unsecured personal-loan facilities are generally assessed based on your income, repayment history, credit profile and applicable Balance-to-Income requirements.

Annual Income: S$20,000–S$29,999

Up to 2× monthly income per bank

Up to 12× monthly income across banks

Annual Income: S$30,000–S$119,999

Up to 4× monthly income per bank

Up to 12× monthly income across banks

Annual Income: S$120,000 and Above

Higher unsecured credit limits may be available

Subject to each bank’s assessment and prevailing regulations

Maximum Limit Subject to Income
Interest Rate 2.65%–5.88% p.a.
Tenure Up to 60 Months
Processing Time 1–3 Working Days
Typical Approval Range S$20,000–S$550,000
Applications may be assessed across multiple banks. Final eligibility, limits and pricing remain subject to each lender’s assessment and applicable BTI and TDSR requirements.
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Short-Term Personal Financing

Licensed Moneylender Loans

A faster short-term funding option for borrowers who require urgent cash flow. Rates may be higher than bank loans, but selected lenders may offer flexible repayment plans of up to 12 months.

Maximum Limit Up to 6× Monthly Income Subject to a maximum of S$30,000
Interest Rate 3.92%–4.00% p.m.
Tenure Up to 12 Months
Processing Time Possible Same-Day Disbursement
Typical Approval Range S$5,000–S$20,000
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Home Improvement Financing

MAS-Licensed Banks’ Renovation Loans

Finance eligible home-renovation works with bank renovation-loan packages. Eligibility can be assessed individually or together with a spouse or family member before submission.

Maximum Limit Up to S$30,000 Per applicant
Interest Rate 2.58%–2.88% p.a.
Tenure Up to 60 Months
Processing Time 3–7 Working Days
Typical Approval Up to S$30,000
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Vehicle Financing

Hire Purchase Car Loans

Financing options for vehicles purchased from dealers or direct sellers, including conventional bank hire purchase and selected in-house finance arrangements.

Financing Type Deposit Interest Rate Tenure Processing Time Typical Approval
Bank Financing Approximately 40% From 2.69% p.a. Subject to Vehicle Eligibility 1–3 Working Days S$50,000–S$400,000
In-House Financing 0%–30% 3.20%–4.80% p.a. Subject to Vehicle Eligibility 1–2 Working Days S$15,000–S$320,000

Bank Financing

Deposit Approximately 40%
Interest Rate From 2.69% p.a.
Tenure Subject to Vehicle Eligibility
Processing Time 1–3 Working Days
Typical Approval S$50,000–S$400,000

In-House Financing

Deposit 0%–30%
Interest Rate 3.20%–4.80% p.a.
Tenure Subject to Vehicle Eligibility
Processing Time 1–2 Working Days
Typical Approval S$15,000–S$320,000
Apply Now →

All figures shown are indicative only. Interest rates, approval amounts, eligibility requirements, processing times and loan terms are subject to the respective lender’s assessment and prevailing regulations.