Share the loan and supporting evidence.
Tell us the rate, repayment, balance and remaining tenure. Send the requested documents through the secure application journey.
For existing licensed-lender loans
Why pay more?
Show us the personal loan you already have. We’ll help you check whether a licensed lender may offer a better deal. You see the full terms before you decide.
ypaymore does not charge you to check
No commitment to switch
See the lender’s full terms first
Your current loan stays unchanged
Apply securely with
Start with the loan you have
Are you paying more?
Your current loan is the starting point. We review the details and supporting evidence you choose to share before looking at any possible option.
We take the verified facts to licensed lenders we work with.
Any possible option includes the lender’s full terms.
Take it only if the deal is better for you.
Compare the full terms with your current loan. Proceed if it suits you. Walk away if it doesn’t.
Current-loan comparison
Could you be paying less?
Use your balance, monthly rate and remaining term to see a possible repayment difference.
Your loan details$20,000
Possible comparison
Current rate3.92%
Possible rate2.92%
- Current monthly repayment
- $2,960.75
- Possible monthly repayment
- $2,839.52
- Possible monthly difference
- $121.23
Possible total difference$969.84
$121.23 × 8 months. Actual lender calculations, fees and terms may differ.
Who this is for
Does this sound like you?
If you tick these boxes, give us the loan to review.
Already have a personal loan from a licensed lender?
Want to check whether another option may be available?
Want to understand the full terms before deciding?
Why am I paying more?
Apply securely with
Questions before you start
What you’ll want to know.
I already have a personal loan. What does ypaymore do?
You show us the personal loan you already have from a licensed lender. We review the details and may check whether another option is available.
How does the 1% lower rate work?
For qualifying loans, our aim is to find an option around 1% lower than your verified current rate. Terms and conditions apply. Any option is subject to the licensed lender’s approval, eligibility, validity, and final terms. This is not guaranteed.
Which evidence do I need?
Use an MLCB Loan Information Report, your current loan contract, or another document requested in the secure journey. Use only the secure path shown in the ypaymore journey. Do not send an MLCB report, loan contract, identity document, password or OTP through social media, ordinary email or WhatsApp.
Does ypaymore charge me a fee?
You do not pay ypaymore to check for options. If you take up an offer, the lender may pay ypaymore a referral fee. The lender’s own fees and terms may still apply.
Do I have to accept an offer?
No. You see the full rate, repayment, fees, conditions and validity first. Your current loan stays unchanged unless you choose to proceed.
Start with the loan you have
Still wondering why you’re paying more?
Why am I paying more?
Apply securely with