Singapore's Best Personal Loan Rates in 60 Seconds

A personal loan is an unsecured loan that gives you a lump sum of cash you repay over a fixed period in regular instalments. Unlike a credit card, a personal loan typically has a lower interest rate and a predictable monthly payment — making it a popular choice for large expenses, debt consolidation, or emergency funding in Singapore.

Minimum age 18 years old. You must be currently employed and meet these income requirements: Singapore citizens and PRs need at least $300 per month; foreigners need at least $40,000 annual income. You need a valid Singapore NRIC or Employment Pass and a Singapore mobile number. Individual lenders may have additional requirements — these will be shown alongside each offer.

Many of our lender partners offer same-day or next-day disbursement once your application is approved. After you submit your application on LendKaki, a lender agent typically contacts you within a few hours to finalise the terms and process the transfer.

LendKaki performs only soft checks to match you with suitable lenders — this does not impact your credit score. A hard credit inquiry only occurs when a lender formally processes your full application, typically after you have chosen a preferred offer.

Yes, 100% free. LendKaki is a free loan comparison platform for borrowers. We earn a referral fee from lenders only when a successful match is made. You will never be asked to pay any fee or commission to use our service.

For licensed banks, unsecured loan limits are capped at 12× your monthly income (or 6× for some bank personal loans). For licensed moneylenders, the cap depends on your annual income: up to $3,000 for those earning under $20,000, or 6× monthly income for higher earners. LendKaki will match you to lenders appropriate for your profile.