Frequently asked questions

YPayMore is a price-busting marketing service, not a lender. You can explore new borrowing with or without an existing loan, compare available options and choose lenders to meet. Lenders decide eligibility, approval and final terms.

No. New borrowing is available with or without an existing loan. If you have existing loans, you can choose a separate lower-rate check. That review is optional and does not block your new borrowing.

Enter your requested amount, monthly income and whether you have outstanding loans. If you do, enter the balances by lender type. The outstanding total is calculated for you. There is no upfront email signup before these borrowing details.

Singpass verifies your identity. With your consent, Myinfo shares approved details for you to review. Then confirm your phone and email to complete account setup and continue to the options. Singpass does not approve a loan or guarantee an offer.

No. For the optional existing-loan review, you can enter loan details, provide an MLCB report or loan contracts, or choose “Skip for now”. Our team will follow up for missing information. Skipping does not block new borrowing.

For qualifying loans, our aim is to find an option around 1% lower than your verified current rate. Here, 1% lower means one percentage point lower in the monthly interest rate, not a 1% reduction in your total loan cost. Terms and conditions apply. Any option is subject to the licensed lender’s approval, eligibility, validity, and final terms. This is not guaranteed.

You do not pay ypaymore to check for an option. If you take up an offer, the lender may pay ypaymore a referral fee. The lender’s own fees and terms may still apply.

You can select up to three options, one per lender. Compare the terms and location before choosing. The lender’s identity is shown before booking.

Choose an available slot and submit the booking. Your appointment is confirmed only after the booking saves successfully. A confirmed appointment is not loan approval; the lender makes that decision.

There may be no available option for your requested amount and declared income. You can check again later. Any optional existing-loan review continues separately; neither route guarantees an offer.

No. Your current loan stays unchanged unless you choose to take up a new offer.

Do not send a loan contract, MLCB report, Singpass details or identity information through social media, ordinary email or WhatsApp. Use only the path shown in the approved journey.

Stop communicating, do not transfer money or share credentials, and use the official contact and anti-scam pages on this site. Verify any licensed lender against the Ministry of Law list.