Best Personal Loan Singapore

Personal loans provide fast cash relief for unexpected financial needs that may arise. We understand that you might need the money as soon as possible.

Credit Thirty3 exists for the sole purpose of providing you with fast cash personal loans in times of need.

Get a personal loan with low interest for any purpose. Receive your rates in seconds here.

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Advantages of a personal loan singapore

Competent. Professional. Trustworthy.

Straightforward Application

We don’t take you through complicated and unnecessary personal loan application processes. All you have to do is fill a simple online form that takes only 5 minutes, tops.

Worry Not About Bad Credit Score

Do not shy away from letting us know of your financial situation. To us, your bad score of credit does not prevent you from getting loans. Let us work out a suitable repayment plan together.

Lowest Interest Rates

The industry of personal loans is highly regulated to prevent borrowers from exploitation. So, you can always expect low interest personal loans with favorable terms and flexible payment terms from us.

Get Through Financial Emergencies

Ran into an unanticipated money needs halfway through the month? You are never alone with Credit Thirty3. We promise to serve each customer to the best of our abilities. Apply now and let us guide you through the process.


4 simple steps to get your money.


1. Apply

Submit your loan application online.

2. Advice

Understand the specifics of your loan.

3. Approval

Get your loan approved in minutes.

4. Agreement

Sign-off and receive money on the spot.


Words from our valued customers

See the real stories yourself.



Frequently asked questions

Notes to Borrowers When Obtaining Loans from Licensed Moneylenders

What is a personal loan in Singapore and how can I apply?

It is a financial solution offered by licensed lenders like Credit Thirty3, allowing individuals to borrow a specific amount of money to be repaid with interest. To apply, simply visit our website and fill in the online application form.

What should I consider before taking up a loan?

Before applying for a loan:

1. The type of loan you are borrowing
Before entering any loan contract, make sure you understand the type of loan you are applying for. There are two types of loans – secured and unsecured loans.

  • Unsecured loans have more lenient requirements and are easier to obtain. They do not require collateral.
  • Secured loans have stricter requirements. They require collateral.

2. Interest rates
Regardless of the licensed moneylender or bank that you choose to work with, ensure that you are getting the best rates as it will affect your financial health.

Make sure to get the best loan package with low monthly repayment amounts. Hidden fees to take note of:

  • Service fees
  • Underwriting fees
  • Origination fees

Legal and fair lenders such as Credit Thirty3 will always make known of all the charges. We strive to explain as clearly as possible to our customers and there will not be any unnecessary charges.

3. Loan tenures
A loan tenure refers to the amount of time you have to repay a loan. It exists for any type of loan and can range from 3 months to even 30 years.

The duration of your loan tenure will have a direct impact on the cost of your loan. Longer loan tenures will increase the overall cost of your loan. On the other hand, shorter loan tenures will make the loan more affordable.

Please make sure to choose a loan tenure that you can comfortably repay.

If you have any doubts regarding your loan, feel free to contact our friendly professionals at Credit Thirty3. We are here to address your needs.

4. Your current financial situation
This is one of the most important points to consider.

Before getting a loan, take a look at your current financial responsibilities. For example, your electricity bills, mobile bills, car loans, credit card bills and more.

Knowing your current financial standing will help you make better financial situations, especially on the loan amount that you apply for.

5. Loan contract language
Based on Singapore’s law, the licensed moneylender has to explain the loan contract in a language that the borrower understands.

Rest assured if you are not well-versed in English. If you need a contract in another language such as Mandarin/Tamil/Malay, feel free to let our loan advisors know.

6. Don’t be afraid to ask
You are encouraged to clarify any doubts that you might have before signing the loan contract. These may include the loan tenure, loan interest rates or processing fees.

7. Late fees
Understand that late fees will be charged when borrowers fail to make repayments on time.

How much can I borrow?

You can borrow any amount for secured loans.
For unsecured loans, the approved loan amount depends on your annual income.
For Singapore Citizens and Permanent Residents (PRs):

  • An annual income < $20,000 allows them to borrow up to $3,000.
  • An annual income of $20,000 and above allows them to borrow 6x of their monthly income.

For Foreigners:

  • An annual income < $10,000 allows them to borrow $500.
  • An annual income of at least $10,000 but less than $20,000 allows them to borrow up to $3,000.
  • An annual income of $20,000 and above allows them to borrow 6x of their monthly income.
How do I know whether a moneylender is licensed or not?

The first step is to check the financial institution’s name against this list of licensed moneylenders by the Ministry of Law.
A licensed moneylender’s name will appear on the list.
Other signs of an illegal moneylender / loan scams:

  • Text messages / WhatsApp messages / calls to promote their loans.
  • Claim to be able to approve a loan remotely, without asking you to meet them at their place of business.
  • Ask for payment before approving your loan.
What documents do I need to apply loan?

For Singaporeans / PRs:

  • NRIC / Passport (Proof of your identity)
  • CPF / Bank statements (Proof of your income)

For Foreigners:

  • Work Permit / S Pass / E Pass
  • Utility bills / Phone bills / Home rental agreement (Proof of your residence)
  • Payslips
What makes Credit Thirty3 the greatest loan provider in 2023?

Credit Thirty3 stands out in 2023 as the best provider due to our competitive interest rates, flexible repayment plans, and commitment to transparent lending practices. We exist for the sole purpose of providing you with the best loan products and the best loan terms. With us, you do not have to worry about your finances anymore.
As reviewed by our customers, we are competent, professional and trustworthy.

  • A high 4.8 star Google reviews by our valued customers
  • Straightforward applications that takes only 5 minutes, tops.
  • Rates of interest that are low.
  • Worry not about bad score of credit.
  • Fast loan approvals for your immediate needs.

Credit Thirty3 is one of the fastest licensed moneylenders in Singapore. With our streamlined application process, you can get your cash within hours.

How quickly can I receive a loan with instant approval?

5 minutes is all it takes to fill up our online application form. Our friendly loan officers will then get back within a few hours to follow with you. At Credit Thirty3, we offer instant approval for loan to eligible applicants.

I have a bad score of credit. Can I still apply loan with you?

Yes, you can still apply with Credit Thirty3.
Banks often turn away customers who have bad scores of credit, making it difficult for them during financial emergencies.
Credit Thirty3 is here to provide an alternative to these borrowers.
We are able to evaluate each case individually and we will try our best to offer the most suitable loan package for the borrower. Licensed moneylenders like us tend to be more understanding and will offer a listening ear to our borrowers.
Rest assured that we do not have specific restrictions with regards to scores of credit.
Easily apply with us here.

How do I apply for a personal loan at Credit Thirty3?

To apply for a personal loan, you need to fill out our application form. Ensure you meet all the eligibility criteria and have the necessary documents for a smooth loan application process.

There are simply 4 steps in our loan application.
Step 1: Apply online
Step 2: Wait for our loan officers to contact you
Step 3: Get your loan approval
Step 4: Sign the contract and get your money on the spot.

What happens next after my loan is approved? Do I get the money immediately?

Upon the approval of your application, we will be able to transfer you the money or pass you the agreed principal amount in cash immediately.
However, please take note that there will be a small administration fee which is administered by all licensed moneylenders.
Subsequently, the only thing to take note would be to make punctual repayments.

What should I know about loan disbursement at Credit Thirty3?

Once your application is approved, the loan disbursement process at Credit Thirty3 is quick and hassle-free, ensuring you get the funds when you need them.

How does the loan repayment process work?

The loan repayment process at Credit Thirty3 is straightforward. You will be provided with a schedule outlining your monthly payments, which includes the principal amount and interest.

Where is your shop’s address and what are your opening hours?

Our address:
(Simply a 4-min walk from Toa Payoh MRT)
Blk 190, Lorong 6 Toa Payoh
Toa Payoh Mall, #01-548
Singapore 310190

Our opening hours:
11:00am to 8:00pm (Mondays to Saturdays)
Closed on Sundays and Public Holidays

Can I get a personal loan with a lower interest rate?

Yes, at Credit Thirty3, we offer personal loans with lower rates. The rate you receive depends on your credit profile and our assessment of your application.

What is the Effective Interest Rate (EIR) of your loan?

At Credit Thirty3, as a licensed money lender in Singapore, the interest rate is calculated differently from the Effective Interest Rate (EIR) method. Instead of using the EIR, which factors in the nominal interest rate and the frequency of compounding, we have a unique approach to determine the rates for our loans. To understand how the rate for your loan is calculated, we invite you to use our loan calculator available on our website. This tool provides a clear and transparent view of the rates applicable to your loan, ensuring you have all the information you need to make an informed borrowing decision.

What is a line of credit and how does it differ from a personal loan?

It is a flexible loan where you are approved for a maximum loan amount and can withdraw funds as needed, whereas a personal loan is a lump sum amount disbursed at once and repaid over a set period.

What is the difference between a personal loan and a renovation loan at Credit Thirty3?

At Credit Thirty3, both personal loans and renovation loans are tailored to meet different financial needs. A personal loan is a versatile financial solution that can be used for a variety of purposes, from consolidating debt to funding unexpected expenses. In contrast, a renovation loan is specifically designed to finance home improvement projects.

It’s important to consider your specific financial needs and project requirements when deciding between these two loan types.

How is the approved amount of loan for a personal loan determined?

The approved amount of loan is based on factors like your yearly income, credit history, and existing financial commitments. We assess these to ensure you receive a loan amount that suits your needs.

What should I consider before I take up a personal loan?

Before taking up a loan, consider your financial situation, the loan interest rates in Singapore, and your ability to repay the loan. It’s important to understand the total cost of the personal loan, including the monthly interest and principal.

How can I qualify for a personal loan as a Singapore permanent resident?

To qualify for a personal loan, SG permanent residents need to meet criteria like minimum income requirements and have a good score of credit. Documentation such as proof of identity and income is also required.

What are the benefits of choosing a cash loan from Credit Thirty3?

A cash loan from Credit Thirty3 offers quick disbursement, competitive interest rates, and flexible repayment options, making it an ideal choice for immediate financial needs.

Why is Credit Thirty3 considered to offer the best personal loan in Singapore?

Credit Thirty3 is known for offering the best loan in Singapore due to our competitive rates, transparent fee structure, and application process that is both fast and straightforward.

What is an instant loan and how can I get one today?

An instant loan is a fast personal loan Singapore that is processed quickly, often within 24 hours. You can easily apply loan today through our website or at our office.

How is the interest rate for a personal loan calculated?

The rate of interest for a personal loan is calculated by multiplying the principal loan amount by the annual interest rate, considering the tenure of the loan. This calculation ensures the rate is constant throughout the loan tenure.

To understand how the rate of interest for your personal loan is calculated, we invite you to use our loan calculator available on our website. This tool provides a clear and transparent view of the interest rates applicable to your loan, ensuring you have all the information you need to make an informed borrowing decision.

What types of personal loans available for Singapore residents?

For residents in Singapore, various types of personal loans are available, including personal lines of credit, short-term loans, and personal loans for specific purposes like paying off your credit card.

How can I choose the best personal loan options in Singapore?

To get the best personal loans in Singapore, compare different lenders based on your loan amount and tenure, rates of interest, and additional benefits like personal loan cashback promotions.

Can repaying a personal loan early help to improve your credit score?

Yes, repay your loan early can help improve your score of credit. It demonstrates financial responsibility and can positively impact your credit history.

How can I take a personal loan from Credit Thirty3?

Simply apply online through our website. Our process is streamlined for your convenience, ensuring a quick and easy application.

What is the typical personal loan interest rate at Credit Thirty3?

It varies based on factors like your credit history and loan amount. We offer competitive rates to suit your financial needs.

Does Credit Thirty3 offer DBS personal loans?

While Credit Thirty3 is an independent licensed money lender, we offer similar products to DBS personal loans, tailored to meet your unique financial requirements.

What does interest payable mean in terms of a personal loan?

It refers to the total interest amount you need to pay over the loan tenure. This is calculated based on the loan amount and the rate of interest.

How can I find out the interest on my loan?

You can calculate the interest on your loan using our online loan calculator, which considers your loan amount and the applicable rate of interest.

What is the advertised interest rate for personal loans at Credit Thirty3?

Our advertised rate of interest is a competitive rate that reflects the typical cost of a loan. It’s important to note that the actual rate may vary based on your individual circumstances.

How can I use a personal loan effectively?

A personal loan can be used for various purposes, such as consolidating debt, funding a large purchase, or covering unexpected expenses. It’s important to use it responsibly and within your repayment capacity.

What should I know about taking a personal loan in Singapore May?

In May, or any other month, it’s crucial to understand the terms of the loan, your repayment capacity, and how it fits into your financial planning.

What does available credit mean in the context of personal loans?

Available credit refers to the amount you can borrow based on your creditworthiness and financial situation.

What types of loans are available at Credit Thirty3?

We offer a range of loans, including unsecured loans, short-term loans, and loans for specific purposes like home renovation or education.

How can I get the best loans at Credit Thirty3?

To get the best loans, compare our loan products, consider your financial needs, and choose a loan that offers the most favourable terms for your situation.

Does Credit Thirty3 offer personal loans with interest that is low?

Yes, we offer personal loans with competitive, low interest rates, tailored to your financial situation and credit profile.

How is my personal credit considered in a loan application?

The key factor in determining your loan eligibility, amount, and rate of interest is based on your personal credit. A good score of credit can lead to better loan terms.

What do I need to know about personal loans before applying?

Before applying, understand the loan terms, interest rates, repayment schedule, and how the loan fits into your overall financial plan.

Why might I need a personal loan?

You might need a personal loan for various reasons, such as consolidating debt, covering unexpected expenses, or financing a large purchase.

Who are the top personal loan providers in Singapore?

Credit Thirty3 is among the top providers in Singapore, known for our competitive rates and excellent customer service.

Is a personal loan from Credit Thirty3 an unsecured loan?

Yes, our personal loan is an unsecured loan, meaning they don’t require collateral.

How fast can I get a personal loan in Singapore from Credit Thirty3?

We offer fast personal loan processing, often within 24 hours, to meet your urgent financial needs.

Are personal loans from Credit Thirty3 suitable for short-term financial needs?

Yes, we offer personal loans for short-term loans financial needs, offering flexibility and quick disbursement.

What should I consider when choosing a bank for the loan?

When choosing a bank or a licensed moneylender for your loan, consider factors like interest rates, loan terms, processing speed, and customer service.

How can I get my personal loan approved quickly at Credit Thirty3?

To get your personal loan approved quickly, ensure you have all the required documents and meet our eligibility criteria. Our efficient processing ensures prompt responses.

How can I pay off my loan efficiently?

To pay off your loan efficiently, consider making more than the minimum payments when possible and keep track of your repayment schedule to avoid late fees.

Does Credit Thirty3 and bank collects your money upfront for the application of loans?

No, similar to banks, Credit Thirty3 does not collect any money upfront for the application of loans. We adhere to strict ethical standards and transparency in our lending practices.

Why the interest calculated using the reducing balance method might not be higher than the flat interest rate method?

In the flat-rate method, the interest is calculated on the full loan amount throughout its tenure, regardless of the principal amount repaid. This can result in a higher total interest amount compared to the reducing balance method, where interest is calculated on the remaining loan balance, which decreases as you repay the loan.

How is the interest rate for the full tenure of a loan calculated at Credit Thirty3?

At Credit Thirty3, the rate of interest for the full tenure of the loan is calculated using the flat-rate method. This means the interest is computed on the entire principal amount of the loan, irrespective of the amount already repaid. The total interest payable is then evenly distributed across the loan tenure, forming part of each monthly installment.

To understand how the rate of interest for your personal loan is calculated, we invite you to use our loan calculator available on our website. This tool provides a clear and transparent view of the interest rates applicable to your loan, ensuring you have all the information you need to make an informed borrowing decision.

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With plans that fit every need and budget and a 4.8 star positive review from our satisfied customers, we strive to offer you the best loan package, ASAP.


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