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Personal Loan Advertised Interest Rate Loan Tenure
UOB Personal Loan From 2.88% per annum (EIR 5.43% per annum) 1 to 5 years
CIMB Personal Loan From 2.68% per annum (EIR from 5.06% per annum) 1 to 5 years
Citi Quick Cash From 3.45% per annum (EIR 6.5% per annum) 1 to 5 years
Standard Chartered CashOne Personal Loan From 1.90% per annum (EIR 3.63% per annum) 1 to 5 years
HSBC Personal Loan From 2.2% per annum (EIR 4.0% per annum) 1 to 7 years
DBS Personal Loan or POSB Personal Loan From 1.99% per annum (EIR 4.17% per annum) 6 months to 5 years
OCBC ExtraCash Loan From 5.42% per annum (EIR 12.11% per annum) 1 year to 5 years
GXS FlexiLoan From 2.88% per annum (EIR 5.45% per annum) 2 months to 2 years
Trust Instant Loan From 2.22% per annum (EIR 4.22%) 3 months to 5 years

1. UOB Personal Loan — Monthly Repayments as Low as S$20

2. CIMB Personal Loan — No Early Repayment Fee, No Processing Fee

3. Citi Quick Cash — Borrow Up to 4x to 8x Your Monthly Income

4. Standard Chartered CashOne Personal Loan — Lowest Interest Rate in Town, No Late Penalties

5. HSBC Personal Loan — Longest Loan Tenure of Up to 7 Years

6. DBS Personal Loan or POSB Personal Loan — Get Up to 3% Unlimited Cashback

instantly

7. OCBC ExtraCash Loan — Borrow Up to 6x Your Monthly Income, With Fixed Monthly Repayments

8. GXS FlexiLoan — No Annual, Processing, Early or Late Repayment Fees

9. Trust Instant Loan — 100% Transparency, No Hidden Fees

How Do Personal Loan Interest Rates Work?

Advertised Rate

Effective Interest Rate (EIR)

Revolving Interest Rates

Term Personal Loan Rates

Bonus: 0% Interest personal loans

How to Pick Among the Cheapest Loans in Singapore?

1. Figure Out Your Needs

2. Compare Loan Offers

3. Work With a Trusted Loan Provider

Are There Other Cheap Loan Providers Besides Banks?

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DISCLAIMER

Please note the content on our website is intended to be educational only. You may use the information provided as a reference, but it is ultimately your responsibility to do your due diligence in order to make informed decisions.