Flexible personal financing options

Personal Loans

Connect with Network Partners offering personal financing for everyday and planned needs.

Make an Enquiry
Plan your repayment

Estimate your monthly repayment

Adjust the amount, tenure, and interest rate to see an indicative monthly repayment. These figures are for planning only.

Personal loan repayment calculator

Based on reducing balance interest — an indicative estimate only.

S$
$1,000$100,000
2.0%/month
1.0%/month6.0%/month

Amount

$20,000

Rate

2.0%/month

Tenure

3 years (36 months)

Estimated monthly repayment

$785

Total repayment

$28,248

Total interest

$8,248

Monthly breakdown (first month):
Interest portion:$400
Principal portion:$385

Interest is calculated on the remaining outstanding balance each month. As the balance reduces, the interest portion decreases and the principal portion increases.

This calculator provides an estimate based on reducing balance interest using a monthly rate commonly quoted by moneylenders in Singapore. Actual repayment may vary depending on lender terms.

Overview

About Personal Loans

Personal loan enquiries are reviewed and matched with independent Network Partners who assess and decide on financing. We help you understand your options and prepare a clear enquiry before any introduction is made.

At a glance

Key facts at a glance

Best suited for
Salaried employees, self-employed individuals, and platform workers in Singapore
Common purposes
Medical bills, weddings, emergencies, home needs, and clearing credit-card balances
Good to prepare
NRIC, recent payslips or CPF contribution history, and proof of address
Who decides
Independent, licensed Network Partners — OneCompare does not approve loans
Cost to enquire
Free and obligation-free
Eligibility guidance

General guidance

  • Singapore Citizens, Permanent Residents, or eligible foreigners residing in Singapore
  • Typically aged 21 and above
  • Able to provide accurate income and employment information
  • Final eligibility is determined solely by the Network Partner
Process

How the process works

Step 1

Submit enquiry

Share your basic details and financing needs.

Step 2

Profile review

We review your enquiry for completeness and suitability.

Step 3

Partner matching

We introduce your profile to relevant Network Partners.

Before you apply

What to consider

Borrow only what you can repay

Use the repayment calculator above to check that the monthly amount fits comfortably within your budget before you enquire.

Compare the total cost, not just the rate

Look at processing fees, tenure, and the full repayment amount across offers so you can make a like-for-like comparison.

Check that the partner is licensed

For licensed moneylenders, you can verify the company on the Ministry of Law's public Registry of Moneylenders.

FAQ

Frequently asked questions

Disclaimer: ONECOMPARE SOLUTION PTE. LTD. is not a bank and does not provide loans, approve loans, or determine loan rates or terms. We act only as a referral and matching platform. All loan decisions are made solely by independent third-party Network Partners. This page is for informational purposes only and does not constitute financial advice. Submitting an enquiry does not guarantee any outcome.