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Flexible funds for any purpose — renovations, emergencies, travel, or any personal need.
From 3.5% p.a. flat
Combine multiple debts into one lower monthly payment and reduce your total interest paid.
From 3.4% p.a. flat
Finance your HDB, condo, or landed property renovation with preferential bank rates.
From 3.5% p.a. flat
Cover your big day without depleting savings — banquet, photography, honeymoon and more.
From 3.5% p.a. flat
Fund tuition, overseas programmes, or professional certifications with extended tenures.
From 3.5% p.a. flat
Cover elective procedures or unexpected healthcare costs with flexible repayment terms.
From 3.5% p.a. flatThree steps to your best personal loan rate.
Tell us your income, employment type, and the loan amount you need. Takes 60 seconds. Encrypted end-to-end.
We surface personalised indicative offers from regulated lenders matched to your profile. No hard credit check at this stage.
Choose the offer you want and apply directly with that institution. The lender makes the final lending decision.
The most versatile loan type in Singapore. Use funds for any legal purpose — home renovation, travel, medical bills, or any personal expenditure. Repaid in fixed monthly instalments over 1 to 7 years with no collateral required.
Lendly SG compares offers from 8+ regulated lenders so you can see flat rate, EIR, and total cost side by side before committing.
Designed for borrowers carrying multiple unsecured debts — credit cards, personal loans, overdrafts. A debt consolidation loan rolls everything into one fixed monthly repayment, often at a lower interest rate than the weighted average of your existing debts.
Most suitable for borrowers whose total unsecured debt exceeds 12× their monthly income. MAS-participating banks offer Debt Consolidation Plans (DCP) with standardised terms.
Specifically for home improvement — HDB, condo, or landed property. Funds are typically disbursed directly to your renovation contractors. Most major banks offer renovation-specific products with competitive rates.
HDB renovation loans are capped per MAS rules. For larger renovations (condo, landed), a standard personal loan may offer higher limits. Lendly SG surfaces both options.
Cover your big day without depleting your savings. Wedding loans are standard personal loans marketed for wedding expenses — banquet deposits, photography, bridal packages, solemnisation fees, and honeymoon travel — with no restriction on how funds are used.
Average wedding costs in Singapore range from S$30,000 to S$80,000+. Spreading this over 24–36 months makes budgeting more manageable while keeping savings intact.
Fund tuition fees, overseas degree programmes, or professional certifications. Some banks offer deferred repayment options that begin after graduation. Lendly SG surfaces both standard personal loans and education-specific products available from MAS-regulated institutions.
Unlike study loans from government agencies, bank education loans are available for a wider range of institutions and course types, including private and overseas programmes.
For planned procedures (elective surgery, dental implants, fertility treatment, cancer care) or unexpected medical costs not fully covered by insurance. Disbursement can be as fast as 1 business day with some institutions, making this suitable for time-sensitive healthcare needs.
Personal loans for medical use carry no restriction on which hospital or clinic you use, giving you full flexibility over your healthcare provider.
A personal loan is an unsecured loan from a bank or licensed finance company that you repay in fixed monthly instalments over an agreed term — typically 1 to 7 years. Unlike a credit card, the interest rate and monthly repayment are fixed at the start, making it easier to plan your finances.
In Singapore, personal loans are offered by MAS-regulated banks and finance companies. Interest rates, fees, and eligibility criteria vary by institution. Comparing offers before you apply can save you hundreds or thousands of dollars over the life of the loan.
Personal loan rates in Singapore are typically quoted as a flat annual rate (e.g. 3.5% p.a. flat). This is applied to the original loan principal for each year of the loan term. The Effective Interest Rate (EIR) is higher than the flat rate and represents the true cost of borrowing, accounting for how your principal reduces with each monthly repayment.
Always compare using the EIR, not just the advertised flat rate. Lendly SG surfaces both figures for each offer so you can make a fair comparison.
Each bank sets its own eligibility thresholds. Lendly SG's matching engine uses your profile to surface institutions you are more likely to qualify with — before a hard credit check is triggered.
Lendly SG is a comparison platform — not a lender. Here is what happens when you use our matching service:
Lendly SG's service is free to borrowers. We do not charge application fees, processing fees, or any other fees.
Complete one free form and see personalised indicative offers from regulated lenders. No commitment. No hard credit check at the comparison stage.
