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Personal loan

Now till 30 Nov 2026, from as low as

0.82%per month

(up to S$500,000, 1 to 24 months)

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^For new applications. The actual rate offered to you depends on the lender and your profile.

Renovation
Wedding
Medical bills
Education
Car
Travel
Debt consolidation
Business

Find the repayment that works for you

Move the sliders until the monthly figure feels right.

S$

0.82% per month

0%4%

12 months

1 month24 months
Monthly repaymentS$1,756.83
Total interestS$1,081.96
Total repaymentS$21,081.96
Rate0.82% per month
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This is a simplified illustration of monthly repayment on a reducing balance. It excludes lender fees. The actual rate offered to you may differ.

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in 60 seconds

Compare offers from licensed lenders before you decide.

Now till 30 Nov 2026

From 1.88% per month

0.82%per
month

(EIR 10.30% p.a.)

Low rates

Apply before 30 Nov 2026 and lenders on YPayMore offer personal loan rates from 0.82% per month, down from 1.88%. That is an EIR of 10.30% p.a. before lender fees. Your final rate depends on the lender and your profile. Read the lender's key terms before you sign. What the rate includes

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Your current loan

Now
3.92%
Possible
2.92%
Monthly differenceS$121.23
You could saveS$969.84
Review my loan

Shows a rate one percentage point lower on the same amount and term. Excludes fees and settlement charges. Not a guaranteed offer.

Already
paying more?

Tell us your current rate. If a lender can beat it by at least one percentage point, you see the difference here before you do anything.

Review my loan

Your CBS report

No new enquiry ✓

Bank loan applications added0
Licensed-lender loan recorded withMLCB
Shown on your CBS reportNo

Looking for alternative loans? Rejected by the bank?

Not shown in your CBS report. A licensed moneylender loan is a different route from the bank. It is recorded with MLCB, which keeps its own loan report, so it does not sit on your CBS file.

Avoid unnecessary bank applications. Every bank loan or credit card application adds an enquiry to your CBS report, and too many in a short period can hurt your chances of approval. Compare licensed-lender offers here first instead of applying to another bank.

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6 of 12

Interest you payInterest you skip
Settlement amountS$10,244.95
Early repayment penaltyS$0
Interest you skipS$296.03
No penaltyNo notice period

Repay early. Save interest.
No penalty.

Interest on a licensed moneylender loan is charged on the outstanding principal, so paying it down sooner cuts the interest you pay. There is no early repayment penalty and no one-month notice. Ask the lender for a settlement amount for the date you have in mind, and you see the remaining principal, accrued interest and any permitted charges before you close.

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Have questions?
We have answers

What does YPayMore do?
You tell us what you need once. We pass it to licensed moneylenders, who reply with their offers. You compare the full terms and take one only if it suits you. YPayMore is a marketing service, not a lender.
Do I need an existing loan?
No. The calculator at the top is for a new loan. The "Already paying more?" section is for people who want to check whether an existing loan could be cheaper.
What does the rate include?
The rate is the lender's monthly interest on a reducing balance. EIR 10.30% p.a. is 0.82% per month compounded over twelve months, before lender fees. Lender fees, if any, are listed in the lender's key terms before you sign. Rates on this page are promotional rates for new applications and depend on your profile.
Is a lower rate guaranteed?
No. Lenders decide whether to make an offer and at what rate. The calculators on this page are illustrations.
Will checking offers affect my CBS report?
Checking offers on YPayMore is not a bank loan application. Licensed moneylender borrowing is recorded with MLCB, separately from CBS.
Can I repay early?
Yes. Ask the lender for a settlement amount covering the remaining principal, accrued interest and any permitted charges. Paying earlier reduces the interest you pay. There is no early repayment penalty.

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Why am I paying more?Ah Bowl explains