Frequently Asked Questions

1. How can I apply for a Personal Loan?

  • You can apply for a loan online or you can call us at . Alternatively, we’d be happy to see you at our .

2. What loans do you offer?

  • We have a variety of secured and unsecured loans which include Personal Loan, Bridging Loan, Foreigner Loan and Payday Loan.

3. Which loan is right for me?

  • This depends on why you need the loan, and the amount you wish to borrow. See our Loans Services page for more details.

4.  How much money can I borrow?

  • You can borrow any amount with a secured loan.

For unsecured loans, you can borrow:

  • Up to $3,000, if your annual income is less than $20,000;
  • Up to 2 months’ income, if your annual income is $20,000 and above but less than $30,000;
  • Up to 4 months’ income, if your annual income is $30,000 and above but less than $120,000; and
  • Any amount, if your annual income is $120,000 and above

However, it is important to take up a loan that is affordable to you and not take on too much.

5. Can I pay off my Personal Loan early and will I be charged if I do?

  • With a Personal Loan, you can settle at any time in full. If you’d like to know more, call us at and we’d be happy to advise you accordingly.

6. Can I top-up my existing Personal Loan?

  • Yes, we’d be happy to discuss it with you. Drop by at our and we will talk you through the process.

7. Can I defer my payment?

  • Yes. We’d be happy to discuss this with you.

8. How do I make repayments?

  • You can make repayments of your loans via Internet Banking/ATM transfer or drop by at our Quick Credit office.