Best Personal Loan Singapore: The Ultimate Guide in Choosing an Instant Personal Loan With Great Rat

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Taking a personal loan can help you reach your goals A few things that can help you reach your goals include having sufficient money and knowing how to budget wisely. And taking a personal loan in Singapore might just be something worth considering.Before diving into applying for a personal loan, let’s explore more about it, and whether or not it can cater to your needs and help you achieve your goals.One advantage of taking a personal loan is the faster processing timeWhat Is A Personal Loan?A personal loan is an unsecured amount of money. It’s “unsecured” because it’s not bonded to a collateral — a house, for example.This means that the lender doesn’t possess the right to seize your assets when you’re unable to pay back the loan.Conversely, the common “secured” loan is a mortgage loan, in which the lender is capable of seizing your assets when you fail to pay your debt.Still unclear about what a personal loan is? Learn more about how it works here. How does Personal Loan Work in Singapore?Taking a personal loan means that you will receive a lump sum of money first based on the approved loan amount.When it comes to repayment, it does not only stop by paying just the lump sum. Interest and other fees are also included. The total amount of money must be repaid within a specified time period by your lender.Most of the personal loans such as personal instalment loans have fixed interest rates and repayment periods. This simply means that you need to repay it on an instalment basis that can span from months or over years.Thus, being fully amortised, it allows the borrower to repay the interest rate plus the principal amount. With an amortised loan, it does allow the borrower to prepare for their repayment schedules.Do You Really Need A Personal Loan?It’s good to consider taking a personal loan, particularly when you need to get a relatively large sum of cash urgently or looking for fast cash loan in Singapore. Despite the need to pay it off over a period of time, it’s still a viable alternative to meet your short-term needs.Before you apply for a low interest personal loan in Singapore, ensure that you’re able to pay back your debt.Here are some common reasons in which a personal loan may come in handy.Medical And Family EmergenciesWhile it’s always good to save up a good sum of money for a rainy day, accidents and other emergencies are often unpredictable.You may never know when you need that extra financial support for yourself or your family. Even after you’ve saved up some money, it may not be sufficient.Hence, in these scenarios, a personal loan can aid in cushioning these emergencies, and give you a longer buffer time to restructure your financial plans.Wedding And VacationsConsider taking a personal loan to pay for your wedding banquetBesides emergencies, a personal loan can also be used to pay for the biggest events in your life. Whether it’s to celebrate your special day with your partner or to go for a holiday, you can consider taking up a loan to pay for these expenses, especially given how expensive a wedding can be in Singapore.Learn more on how you can use personal loan for your wedding here. Planning for a trip soon? Find out how personal loan can cover your vacation expenses.Debt Payments For Credit CardsA personal loan is also a viable option to pay off your credit card debt. It’s not advisable to do this in the long term though, so it’s equally important to ensure that you spend within your means.Education Expenses: College Tuition And School TextbooksOn top of that, if you’re a student, you may also adopt a personal loan that’s catered to your needs. Whether or not you require extra cash for textbooks or tuition fees, a personal loan can help support your education.Consolidate DebtsA personal loan, such as balance transfer and Debt Consolidation Plan, is also useful in consolidating your debt into one manageable account. Through these 2 types of personal loan, you can pay a fixed amount monthly at interest rates that are reasonably priced.Do take note that the personal loan interest rates and other terms are still subjected to your annual income and other supporting factors. Be sure to compare the interest rates and criteria of personal loans offered by various banks and financial institutions in Singapore.What Should You Take Note Before Taking Up A Personal Loan In Singapore?Before you apply for one, it’s good to understand what it entails. While a personal loan allows you to get quick cash, it comes with interest rates.Advantages Of Personal LoanHere are some of the good things about taking a personal loan.Fast Processing TimeIt’s a viable option for you to borrow money quickly, particularly in the case of an emergency. You can get a loan within a day to a week of your application. In addition, the documents you have to submit is also less as compared to applying for other types of loan.No CollateralUnlike a mortgage loan, you won’t risk losing an asset such as your house when you default on your payments. Since a personal loan is unsecured, it’s not tied to an asset.Fixed Interest RatesThe interest rates charged for the money you borrow are fixed. This is unlike credit cards, in which the interest rates can vary depending on your balance.Disadvantages Of Personal LoanHowever, like all things in life, personal loan comes with its drawbacks.High-Interest RatesA personal loan is typically charged with a higher interest rate than a secured loan. In some cases, its interest rate can be higher than some credit cards.Age And Income RequirementsIn general, you must be at least 21 years old and no older than 65 years old to take up a personal loan.Most banks in Singapore will also require you to have a minimum income of S$30,000 per annum. While some offer personal loans to people who make less than S$30,000 a year, they’re subjected to a higher interest rate.If you’re a foreigner, you’ll need to have an annual income of at least S$40,000 to S$60,000 when taking a personal loan from a bank in Singapore.However, at Crawfort, even if you have an annual income of less than S$10,000, you can still borrow up to S$3,000. If you re a foreigner living in Singapore under the same income bracket, you can borrow up to S$500. Here’s a table to summarise how much you can borrow from a licensed money lender in Singapore, such as Crawfort.What Else Do I Have To Consider Before Applying For A Personal Loan?Besides weighing the pros and cons, here are a few things that you should keep in mind when taking a personal loan in Singapore.Be Sure To Plan AheadBefore you apply for a personal loan, ensure that you’re able to pay back your debt.Keep in mind that this debt doesn’t only comprise the sum you’ve borrowed initially, but also the interest and any additional charges. Paying your debt on time helps you to maintain a good credit score.A credit score reflects the health of your financial state and the risks of lending you money as a customer. The better the credit score, the more trustworthy you are as a borrower.On the other hand, defaulting on your payments can negatively impact your credit score. When this happens, you’ll have a lower chance of getting your loan applications approved in the future.Got a bad credit score? Find out how you can still get a personal loan despite having a low score. Manage Your Finances WiselyWhether or not you’ve taken up a loan, it’s important to manage your finances. Be sure to budget wisely and only borrow within your means.During the application, choose a repayment schedule that you can commit. Regardless of the instalment frequency (e.g. weekly, monthly, etc.) you’ve chosen to pay back your debt, be sure to manage your budget accordingly.This helps to ensure that you can pay back your loan in a timely manner.Explore AlternativesWhile a personal loan may seem like the best option you’ve got, you may also consider borrowing from your family and friends. Talk to them about your goals and plans, and reassure them that you’re able to pay them back.Should You Take a Personal Loan from Banks or Licensed Moneylenders?You might come to this point where you have decided that you need a personal loan. You re now in the hunt of where you should get a personal loan. Is it best to go for banks or take out from licensed moneylenders?The Advantage of Taking Personal Loan from Licensed MoneylendersFast Easy Online Loan ApplicationAs they take advantage of the technology, licensed moneylenders are now using online application form. You will just fill in the form with your initial details e.g. your I.D. type, monthly salary, and loan request. Simple steps are needed to follow. Take for example Crawfort, there are just 3 simple steps to follow: first is to apply via MyInfo, then, check your results and finally collect your loan.Saves TimeWith the existence of an online application, you don’t need to go down to the office of a licensed moneylender. This means that you can save time and can apply even in the comfort of your home. A time saver when especially when you need an urgent loan in Singapore.Notable for Fast Approval LoanMost licensed moneylenders are notable for their fast approval loan in Singapore. Only minutes of waiting to see your loan approval status. Crawfort is also notable for 8-minute loan approval. Therefore, no more long days to wait to collect your loan.Easier Eligibility RequirementsUnlike banks that need you to have at least S$30,000 annual salary, licensed moneylender can allow you to borrow even if your annual salary is less than S$10,000.Ideal for Urgent NeedsEmergencies do come unexpectedly. Accidents and disasters may come anytime. In reality, handling this situation may need you to take some loans. Getting a personal loan from a licensed moneylender is a life-saver. Your fast cash loan can be collected within the day, Thus,  it can answer your immediate need for money.Lower Rejection RateYour personal loan has still the chance to be approved even you have a bad credit score. You don’t have to worry about applying for a personal loan if you have a bad credit score. Licensed moneylenders will look at the moment your capacity to repayShort-term LoanLicensed moneylenders also specialises in offering a short-term loan. This means that you can pay much lesser interest compare to committing to a long-term loan where you need to pay more interest.The DisadvantageLower Maximum Loan AmountThe maximum loan amount you can take from a licensed moneylender is up to 6x your monthly salary unlike with Banks you can borrow up to 10x time your monthly salary.Higher Interest RatesSince licensed moneylender are less stricter when it comes to loan eligibility, this comes with a higher interest.  The interest rate is much higher compared to banks.But, remember to take a loan from a licensed lender to avoid getting the worst interest rate e.g. those offers coming from a loan shark or Ah long . Licensed money lenders are regulated by Registry of Moneylenders Ministry of law, thus they can only charged an interest rate of up to 4% per month.To ripped the advantages of getting a personal loan from licensed moneylender, it is essential that you are knowledgeable on how to differentiate a legal lender from a loan shark.  Learn more about the differences from licensed vs unlicensed money lender.The Advantage of Taking Personal Loan from BanksHigher Maximum Loan AmountIf you wanted to borrow up to 10x your monthly salary, taking a loan from a bank is the best option. An ideal answer especially if you need a larger sum of money.Taking Advantage of Online ApplicationMajority of the banks right now are taking advantage of are using their website for loan applications. Borrowers can avoid queues and can experience convenience while applying even in the comfort of their homes.The DisadvantagesStricter Loan RequirementsSince they provide higher loan amounts compared to licensed moneylender, banks are more stringent when it comes to checking the credit profile of every borrower. You need to have at least S$30,000 annual income to apply.Longer Approval TimeCredit Evaluation can take time. They will need to look at your credit score and other eligibility requirements. Thus, approval of your loan may take for days. So, if you are asking right now if where best to get a personal answer, you need to consider your annual salary and the amount you need. If your annual salary is lower than S$30,000, don t be sad, licensed moneylender are open to serve you.Learn more about the differences between borrowing from a bank and a licensed moneylender here. How to Choose the Right Personal Loan?When you are now decided to take a personal loan either from a licensed money lender or banks, you might be asking right now if what is the right personal loan offer for you. Below are considerations in coming up with the right decision.Which is the best interest rate?When taking a personal loan from a licensed moneylender, you have to consider that the interest rate must not be above 4% per month. Since there is a wide range of lenders, you can shop around and find the lowest-interest as possible. Taking a loan from a bank, you have to look over its effective interest rate (EIR) rather than the advertised interest rate. EIR is considered the real interest rate it includes processing and other fees.What is the ideal loan amount?Both banks and licensed moneylenders can give a higher loan offer. Banks can provide up to 10x your monthly income while licensed moneylenders can give you up to 6x your monthly salary. It is still recommended that you get the lowest loan offer or will be based on your capacity to repay. So, it is right if you start to get to know your financial condition.What to look for about the repayment schedule?Although both lending institutions can offer flexibility in terms of your repayment plan, it is advisable to get the one that is manageable. Remember to read and understand well the Note of Contract since late repayment entails late interest and repayment fee.  This can also affect your loan your credit score.What is the right loan tenure?You have to remember the ideal loan tenure is the shortest possible since with this you can pay a much lower interest rate compared to the longest tenure. Take into consideration also your financial condition, it is best that it will align with your capacity to repay.Thinking of taking a personal loan soon? Learn more on what to consider here. Need More Help?Here are the commonly asked questions that can help you with your personal loan application journey.Can I take a personal loan if I have a bad credit score?Yes, this is possible, most of the licensed moneylenders has specialise offer for those who have bad credit score. Your loan application has still the chance to be approved even you have a bad credit score. If you got approved, it is ideal that you start first with the lowest loan offer and repay it on time to improve your credit score.Are personal loans good for my credit score?When you are a good debtor, repaying a personal loan on time can help you improve your credit score. Remember, you need to be a responsible borrower to take advantage of the personal loan.What Documents Do I Need For The Application?Here are the documents that you’ll need to provide when applying for a personal loan in Singapore:Proof of identity: Singapore Identification Card (IC) or Employment Pass (EP) and passportProof of address: Documents showing your residential address (e.g. utility bills with your residential address)Proof of income: Your contribution history statement to your Central Provident Fund (CPF) for the last 12 months, latest income tax Notice of Assessment, latest computerised payslip, or salary crediting into the lender’s bank account (if you’re applying at a bank)How long does it take to get my personal loan approved?With a licensed moneylender it can only take minutes to get your personal loan approved. Thus, they are known for disbursing fast cash loan offer. At Crawfort, loan approval can only take 8 minutes.So, Are You Now Ready to Take Up a Personal Loan?Before you apply for a personal loan in Singapore, be clear of your motives for applying. It’s also important for you to consider the pros and cons of taking a personal loan, as well as any other advantages and disadvantages based on your own circumstances.As you go ahead with your plans, be mindful of your spending and borrowing, and only do so within your means.When in doubt, speak to your peers — whether they’re a legal financial advisor or your family and friends. They might be able to advise you and give you a helping hand when you need it.Apply now for a personal loan with Crawfort! Blogs and Opinions Best Licensed Money Lenders: Guide to Borrowing Personal Loans from Legal Moneylenders (2021) Planning to borrow from the best licensed money lender in Singapore? But before that, you must first understand the things to consider before borrowing from a licensed money lender. 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Taking out a personal loan to fund such expenses is a common option.  As a borrower, you’re usually faced with 2 main options: a bank or [ ] Learn more Company News Leveraging On Digitalisation To Simplify Loan Application Singapore — (19 May 2020) — Staying ahead of the digital economy, we at Crawfort, the consumer loan subsidiary of Capital C Corporation, have incorporated digitalisation strategy to introduce a new loan platform with an improved user interface and experience on our website, alongside a new brand name and logo. In line with our goal [ ] Learn more Personal Loan 5 Reasons Why Your Personal Loan Application In Singapore Was Rejected Perhaps it’s a time right now when you require extra financial support for your needs—for an emergency, for a dream vacation for you and your partner, or even for a plan to move forward and venture out of your comfort zone. However good your reasons may be, you may have faced problems having your personal [ ] Learn more Personal Loan Are You Eligible For A Personal Loan In Singapore? When we’re short on cash, most of us will consider borrowing from friends and family members. However, if you don’t want to trouble them, how about taking a personal loan instead? A personal loan is a lump sum of money borrowed from a bank or licensed money lender. You’ll need to pay it back over [ ] Learn more Blogs and Opinions 5 Ways To Improve Your Credit Score At The Credit Bureau Singapore Ever wondered what affects your loan applications? Or why some of your credit card applications were rejected?  It’s likely because of your credit score. A bad credit score can affect your applications for personal loans and credit cards. But what’s a credit score? How do you check it, and how can you improve your credit [ ] Learn more Blogs and Opinions 6 Things A Licensed Money Lender In Singapore Can’t Do When Collecting Debts Getting a loan from a money lender in Singapore might be nerve wracking for some. When most think of money lending, they think of a pig s head hanging by their door or that ‘O$P$’ red paint on the corridor.  However, loan sharks and licensed money lenders in Singapore operate very differently.  Let us look at [ ] Learn more Blogs and Opinions Licensed Vs Unlicensed Money Lender In Singapore: What’s The Difference? Life can get pretty unpredictable. Sometimes, you might find yourself in need of quick cash, but your savings is not enough. You may have thought about taking up a loan from the bank, but what if you can’t get across the red tape? The paperwork, the waiting period, and the anxiety of not knowing whether [ ] Learn more Blogs and Opinions Licensed Money Lender Vs A Pawn Shop In Singapore: What’s The Difference? Something sudden happens and you find yourself in urgent need of cash. You might be considering borrowing from the bank, but they might take a long time to approve your loan. So, you start looking for alternatives to get a fast loan in Singapore. When it comes to getting quick cash in Singapore, 2 options [ ] Learn more Personal Loan 6 Reasons Why You May Need A Personal Loan In Singapore Have you ever found yourself stuck against a wall financially? When you have so many bills to pay, then suddenly, you or someone you know gets into an accident or gets sick. You are then overwhelmed with bills and the debt you need to pay, and the money you’ve saved or earned just isn’t enough [ ] Learn more Personal Loan 4 Types Of Personal Loan In Singapore You Should Know It is tough sometimes when we land ourselves in unexpected situations that require immediate financial assistance, such as medical emergencies or investment opportunities. At times like this, taking out a personal loan in Singapore could be a viable option to ease your financial burden.  A personal loan is a type of unsecured loan that does [ ] Learn more Personal Loan Personal Loans In Singapore: What To Consider When Applying Personal loans can seem like a mystery. What are they? When should you take them? How do you go about applying for personal loans in Singapore? A personal loan is a lump sum of money borrowed from a bank or licensed money lender, which you have to pay back in instalments (fixed payments) over a [ ] Learn more Personal Loan How To Get A Personal Loan In Singapore Even With A Bad Credit Score Whether it’s to buy a first home or pay for education, most of us probably need to take a loan at least once in our life. However, not all loan applications can turn out successful. If you’ve applied for a personal loan in Singapore before but it got rejected, it could be due to your [ ] Learn more Personal Loan An Essential Guide To Personal Loan In Singapore: What It Is And How To Apply Whether you need a helping hand to achieve a resolution you’ve set for the year, or you’re in urgent need of money, getting a personal loan in Singapore from a licensed moneylender may come in handy.  But before you apply for a personal loan in Singapore, here are some important things that you need to [ ] Learn more Blogs and Opinions Licensed Money Lender in Singapore Vs Bank: Key Differences Getting married and buying a home are some of the most significant milestones and expenses you’ll incur when adulting. The last thing you want is to be strapped for cash. When that happens, most people think of borrowing money to tide them through the rough patch. You’re usually faced with two choices – should I [ ] Learn more Personal Loan Top 5 Personal Loan in Singapore Myths Busted It’s pretty common to take up a car loan and/or a housing loan, especially since it’s costly to own a car and a home in Singapore. But when it comes to taking a personal loan in Singapore, it’s usually perceived as the result of poor financial management.  Depending on the circumstances, taking a personal loan [ ] Learn more Company News Advisory on COVID-2019 In light of the COVID-19 situation, Crawfort Singapore has stepped up and implemented additional precautionary measures at our outlet. Learn more Media 单枪匹马赴菲“拓荒”寻商机 一般人对菲律宾的印象，总停留在治安欠佳和交通拥堵。然而，不能忽视的是，菲律宾有上亿人口，而近年经济增长也保持强劲，可谓商机处处。Crawfort正是看到了这个商机，希望能够为那些懂得数据科技，却无法充分从传统金融机构获取服务的消费者提供服务。 Learn more Company News Crawfort Is Awarded ISO 9001 : 2015 Crawfort is proud to be awarded the TUV ISO 9001 mark of quality, and will continue to provide excellent quality of services. Learn more Company News Crawfort Is Honoured To Be Awarded The Singapore Prestige Brand Award (SPBA) 2019 We are pleased to announce that Crawfort has been awarded The Singapore Prestige Brand Award (SPBA) 2019 – Promising Brands. Into its 18th year, SPBA seeks to recognise and honour distinguished brands for their outstanding achievements in branding. Our team went through rigorous rounds of judging by stellar industry professionals who evaluated us based on [ ] Learn more Media 10 Business Leaders Recognised As Entrepreneur Of The Year From training aspiring pilots to lending money, 10 local entrepreneurs received the Entrepreneur of the Year Award (EYA) 2019. Learn more Media The Breakfast Huddle Find out how we can help F B SMEs scale their businesses. Learn more Media CEO Conversation: Transforming Into A Digital Financial Services Provider Find out how our Group is leveraging technology to serve underbanked customers in the region. Learn more Media The Case For Alternative Lending In the last decade, we have witnessed rapid growth in the alternative lending space, with the creation of new business models opening up the range of alternative lending products available. Learn more Media How Fintech Is Driving Innovative Lending? In Singapore, SMEs account for around two-thirds of the workforce and a large chunk of GDP growth. And if these firms can’t get funding, their failure to thrive has a dampening effect on the larger economy. Learn more Company News Crawfort Joins Singapore’s Fastest Growing Businesses Crawfort rewrites the rules when it comes to moneylending solutions. Learn more Media Crawfort: Breaking Stereotypes Through Innovation Innovative business Crawfort is rewriting the rules when it comes to moneylending solutions Learn more Crawfort Pte Ltd (UEN No. 201406595W) is a company incorporated under the laws of Singapore. Customers are advised to read the Term and Conditions and Privacy Policy carefully. If you have any concerns or further queries about how we are handling your personal data or queries regarding the Terms and Condition and the Privacy Policy, please contact our Data Protection Officer at dposg@crawfort.com.*If your annual income is less than $20,000, you are eligible for a loan of up to $3,000.

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Need a personal loan? Learn how to find the best personal loan in Singapore. While a personal loan in Singapore allows you to get instant cash quickly, it also comes with a high-interest rate. Find out here if taking one is suitable for you.

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