Personal Loan

Best Personal Loan Singapore

Lowest Interest Rate in Singapore

If you need an emergency financial assistance before you receive your next paycheck, don’t panic. You can take advantage of the Personal Loan offered by the company to take care of your financial problem.

As one of the best loan lending companies in Singapore, Raffles Credit understands the challenges of facing unexpected financial difficulties and the company is ready to bail you out of such a financial mess.

The personal loan service offered by the company will help you to be financially buoyant until you receive your next payday. To ensure that you are not put under too much financial stress, we offer you reasonable payment plans that will be convenient for you because of the low-interest rates that we offer.

So, regardless of whether you need to make your rent payment, take care of some emergency medical expenses, or need some extra cash to keep going till the next payment is received, call on Raffles Credit to give you the appropriate personal loan for your needs.

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Personal Loan Qualification Criteria

  • You must be at least 18 years old.
  • For Singaporean / PR : You must have a regular employment or source of income with an annual income that is $18,000 and above.
  • For Foreigner : You must have a regular employment or source of income with an annual income that is $24,000 and above. ​
  • If your annual income is below this amount, your chances of getting the loan are reduced.

The following documents are required in applying for the Personal Loan:

For Singaporean / Permanent Residents (Minimum Income > S$1500)

  • Identity Card / NRIC
  • Proof of Residence such as Recent Bill or Letter addressed to you (applicable if you do not own the place of residence)
  • Tenancy Agreement (applicable if you are renting a flat)
  • Employment letter and recent 3 months pay slip if your current employment is less than 6 months
  • Know your SingPass (password to log into CPF, HDB, IRAS website)
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For Foreigner (Minimum Income > S$2000)

  • A valid work permit / S Pass / Employment Pass
  • Passport​
  • Proof of Employment (staff pass, company pass, recent 3 month Pay slips & employment letter)
  • Proof of Residence (Tenancy Agreement & recent bill or letter addressed to you)
  • Latest bank statement of account to which salary is credited
  • Singpass (To Download IRAS NOA)
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