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When unexpected expenses hit and borrowing from loved ones isn't an option, a personal loan can be your financial lifeline. These loans let you access funds quickly while repaying in manageable monthly installments - but with so many options available, how do you choose the right one?
We've done the heavy lifting for you, comparing all major personal loans in Singapore to bring you this comprehensive guide. Plus, we're revealing exclusive MoneySmart promotions that could score you amazing gifts when you apply!
Singapore's Top Personal Loans At A Glance (June 2026)
Let's start with a quick comparison of the most competitive personal loans currently available. We'll use the example of a Singaporean earning $3,500 monthly who wants to borrow $10,000 over three years.
Loan Provider | Interest Rate (EIR) | Fees | Monthly Payment | Eligibility Requirements |
Standard Chartered CashOne | 1.90% (3.63% EIR) | $199 annual fee (first year waived) | $294 | - S$30k income for locals - S$90k for foreigners - Open to self-employed |
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Singapore Rental Market Heats Up: HDB & Condo Demand Surges in April 2026 Despite Rising Prices
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Bedok Makes History: $730K 3-Room HDB Shatters Town's Resale Record
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