Tell us what you want to borrow for. A verified finance professional who covers your area will get in touch to explain how loans work, what lenders look at and what to compare, so you can decide before you apply anywhere.
A verified professional will get in touch.
Not sure which fits? Describe what you want to do, and a professional can help you narrow it down.
A fixed amount repaid over a set term, not tied to anything you own.
A limit you can draw on, with its own fees and interest.
One plan that combines several unsecured debts. Check the total cost over the whole term.
Credit for a vehicle, which may be secured against the car.
Often easier to get and costs more, with legal caps on charges.
Short-term credit with its own fees and interest.
What you earn, and how steady it is.
Rent or home loan, bills and other regular costs.
What you already owe and the instalments you pay.
How you have managed credit in the past.
Whether you are employed, self-employed or retired.
How much you want and how long you need to repay it.
Not just the flat rate in the advert.
Over the whole term, including any fees.
And what you could lose if you can't repay.
And whether you can pay off the loan sooner.
An enquiry shows on your file.
Check the register yourself.
We connect you with one verified provider who understands what you need. No hard sell, and no obligation.
A low instalment can hide a long term and a high total. You hear the full amount you'd repay.
An application can show on your credit report. You hear what that means before you apply.
You get the options explained. Whether to apply is always your decision.
Banks and finance companies are regulated by the Monetary Authority of Singapore and generally offer lower rates, but have stricter approval. Licensed moneylenders are regulated by the Ministry of Law, may approve people banks decline, and cost more. Moneylenders must be licensed, and borrowing from an unlicensed one is dangerous.
It is a single figure that shows the true yearly cost of a loan, including interest and fees, and it is more useful than the flat rate quoted in an advert. Ask for the effective interest rate, all the fees and the total you would repay, and compare them between lenders.
Yes. Licensed moneylenders have caps on interest, late fees and administration fees, and on the total they can charge compared with what you borrow, and limits on how much they can lend that depend on your income. Ask for the cost in writing, and check the licence.
Your income, your existing debts, your credit report and your employment. Banks also look at how much unsecured debt you already have, and may ask for payslips, tax notices and CPF contribution statements.
A formal application usually leaves an enquiry on your credit report that other lenders can see. Lots of applications in a short time can look worrying, so check your eligibility before you apply and don't apply to many lenders at once.
Be wary of unsolicited messages offering loans, anyone asking for a fee before you get a loan, requests for your banking passwords or one-time passwords, and lenders who won't show a licence. Real lenders don't ask for these. If in doubt, stop and contact the lender through its official number.
Options exist, but they can cost much more. Be wary of anyone who guarantees acceptance. A free credit counsellor can talk through your choices, and a debt consolidation plan from a bank or Credit Counselling Singapore can help with several unsecured debts.
Often, yes, but some loans charge a fee for repaying early. Ask about any fees before you sign.
Contact your lender early and ask about options. Credit Counselling Singapore can also help for free, and can set up a repayment plan with your creditors.
Complain to the lender first. If you're not happy with the answer, you can take it to the Financial Industry Disputes Resolution Centre for many financial institutions, or to the Registry of Moneylenders for a licensed moneylender.
How much you want to borrow and why, roughly what you earn and owe, and your postal code. If you don't have everything, send the request anyway.
No. Namoye is a free matching service. It is not a lender, broker or adviser, and it doesn't make credit decisions. Any offer comes from the firm that contacts you.
No to both. A verified professional contacts you, and Namoye is free for you.
All SG finance · Purchase Mortgage · Small Business Funding
Namoye is a free matching service. It is not a lender, broker or adviser, and it doesn't give financial advice or make credit decisions. Any offer comes from the firm that contacts you. Only borrow from banks and moneylenders licensed in Singapore: check the licence on the Ministry of Law's moneylender register or the Monetary Authority of Singapore's directory before you share personal or financial details. If you are struggling with debt, free help is available from Credit Counselling Singapore.
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