WE FIND YOU THE BEST PERSONAL LOAN IN SINGAPORE

  • Fill out our free online application
  • Receive multiple personal loan offers
  • Compare rates, select the best offer and get the money within 24 hours
  • 4.9/5 ⭐️ rating on Google Reviews

START HERE...

Loan Amount
$
-
+
$1,000
$200,000

Tenure
-
+
3
72

Your monthly payment

$505

SELECTED PARTNERS
DBS
POSB
HSBC
SCB
UOB
Citibank
SingPass
Singapore Fintech Association
Carousell

50,000 loan applications yearly!

Find out what our great customers have to say about Lendela.

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Ka Ming Chan
17 hours ago
Hassle free, no string attached
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Rozi Darla
2 days ago
Its been 2 months and I forgot to send my reviews… Thumbs Up to Wani who assist me sincerely and professionally...
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Jia Jun
3 days ago
Good experience and advice for such service
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Alun lun
4 days ago
Efficiency in work. Find the best companies which match your criteria. Will follow up status as and when, whether...
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Khairil Azfar
1 week ago
Izzat helped me source a loan and secured me a loan. 5/5
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Shersg
1 week ago
Excellent and prompt customer service. Answer to all my questions that I need to know. Recommend.
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Adam Rien (DAMMYRIEN)
1 week ago
Hassle free and seamlessly easy experience! I loved how there were an assortment of biscuits and drinks along with ...
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Roem Sihombing
1 week ago
Company and staff is very efficient in dealing with the loan. Applied on the first day and got loan on the second. ...
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Riel
1 week ago
Very useful in finding me the necessary instutions for my needs!
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Khai ABK
2 weeks ago
Very friendly helpful and clear about ur perpective.Efficient and fast response to the queries related to the...
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Darius L.
2 weeks ago
Nothing but efficient!
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Willy Kwek
2 weeks ago
Quick actions & response. Staff are efficient.
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Christopher Paul
2 weeks ago
Trusted and very pleased with the fast and smooth services.
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Amelia Teo
2 weeks ago
Pleasant experience, staff were patient and helpful.
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Karlhada Diary
2 weeks ago
Fast and reliable. Recommended!
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Shafiq Ramsay
2 weeks ago
Tip top and excellent customer service from Daniel! Was fast and reliable.. definitely recommended
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Apple R
2 weeks ago
A trusted platform to search for trusted licences money lender, Lendela staff was helpful and follow up every...
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Bryan Lee
3 weeks ago
Thank you Lendela for facilitating my loan process. Very fast anf prompt response from them in finding suitable...
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Frost
3 weeks ago
Fast response
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Eka Zaidah
3 weeks ago
Great customer service. Very prompt response.. Amazing!!😁👍
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Ayarose
3 weeks ago
Thank you Karthi for prompt messages n reminders...
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Jeffrey Ng
3 weeks ago
Very smooth process. Thank you for the efficiency and fast process
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Qian Xuan
3 weeks ago
thankyou for the assist, very helpful and patient, understanding of what I want and where I come from :)
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Y S
3 weeks ago
Best service especially Wani. Very professional & friendly.. Highly recommended..
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Nurul Asyikin
3 weeks ago
Prompt service and was really helpful. The staff is very friendly too
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Damian Bouvier
3 weeks ago
Lendela are not only there to help but they go out of their way in finding the best money lender who's able to...
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Cholodovech Ooi
3 weeks ago
Needed some money urgently from trustworthy sources and lendela provided help very promptly. I had t go through 3...
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แสง เทพจันตา
3 weeks ago
Experienced service and fast service
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Nurfahani Johari
4 weeks ago
Satisfied with their service, trying to find a better places for loan but lendela has helping alot finding...
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baba zaki
1 month ago
Lendela makes me feel not uncomfortable to check for eligibilty of loans..hassle free with fast response..clear n...
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Saravanan Muthukkumar
1 month ago
Lendela makes life much easier . Applied and got offers within an hour . Book an appointment, got approved and got ...
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Raymond Teo
1 month ago
Very fast and efficient! Thanks Wani!
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Ethan Michael
1 month ago
Outstanding service from izzat, went above and beyond in helping me source a loan. 2thumbs up
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Amyra laila Ho
1 month ago
great help in getting the loan i need.
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Great Ocean
1 month ago
Very happy with their services. Very helpful. Willing to listen and cater accordingly to your needs even having...
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zent z
1 month ago
A platform thats help. Legit and make life easy.
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Diana
1 month ago
Quick and easy. Having a selection to choose from is very helpful. Wani was kind enough to explain certain details ...
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Nora Osman
1 month ago
I did apply loan from lendela and a lady by the name of Fadilah called and talk to me over the phone,she helped me ...
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Chinna
1 month ago
Very good service
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Dhana Love
1 month ago
I'm very grateful I thought my loan won't be approved but Lendela went through extra mile to search for me and get ...
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Nazrin Hussein
1 month ago
Very efficient company. Apllied thru them was quite straight forward. Within hrs will get a pre approve....
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Seri A
1 month ago
Offers came within the hour. responsive during working hours. hassle free and concise interface. would recommend...
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Nancy Solares
1 month ago
The teller who attended me was so friendly and he explain clearly some of the question that i dont understand . Im ...
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Nurshahida Tahar
1 month ago
Hi Lendela, Customer service tip top , very friendly keep it up, approachable & quick response to my queries....
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Nadhirah Aqilah
1 month ago
Fadilah has been very helpful from the start . Thank you for the efficient service to Fadilah and Lendela 💛
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Adrian Chia
1 month ago
Caleb at Lendela answered all my questions and made the process very smooth
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Endhya LV
1 month ago
Special thanks to Fadi and Daniel , because of you two today I can be saved from trouble, may God always protect...
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Danish Shazwan
1 month ago
Good and quick services
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shar shar
1 month ago
My first time using this service. Staff take iniative to find other solutions when i was in doubt. The transaction ...
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Guo Bin
1 month ago
Kind and friendly, will attend to my request.
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Zahad Ngaiman
1 month ago
A thousand thanks to fadillah for going the extra mile to find a suitable agency..really appreciate her hardwork...
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Khaiii
1 month ago
Thanks Fadilah for the help and reaching out to address my queries! Process was really quick too!
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Man Kaur
1 month ago
Very smooth process. Thank you for the efficiency and fast process. Whoever is looking for a loan whether its for...
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vasanthan vasant
1 month ago
Good services
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Nur Azizah
1 month ago
very great experience and helpful staff always. happy to get loans via lendela as my past two experiences has been ...
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Hairul Nizmo
1 month ago
Free and easy too use .
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Vernice Tan
1 month ago
Very fast service
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Syahmi Azri
1 month ago
Lendela is not a scam. Recommended. they are very well specific and detailed about the loans they offer. I would...
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Hamizan Abd Gani
1 month ago
I'm so grateful for the fast response n keep engaging to make certain things goes as plan n with good results tkq...
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marissa sanchiqka
1 month ago
Fadilah was so helpful and sweet and made my experience with Lendela a good one. Very fast replies and updates...
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Catherine Ong
1 month ago
Fast responds, friendly and best realistic options. Solved my problem and worries within a day! Thank you very...
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Lin Kenan
1 month ago
Fast,efficient and trusted no 1 by lendela..great job by fadillah for helping me out.thank you..
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Pija Chu kama
1 month ago
friendly staff with clear explanation about the loan..guide me until i can get the approval of the loan...
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Mash Zee
1 month ago
Great experience and the service given from Karthi is tip top!! From the start till the end she has been patience...
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danial wati
1 month ago
Help me get the right moneylender .thank u lendela
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SoLawa BySyaz
1 month ago
Never disappoint!🙏🏻👍❤️
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sandeep puri
1 month ago
Amazing experience, great help and professionalism by Karthi
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Marinel Brusola
1 month ago
Fast and smooth transaction big help👍🏼👍🏼
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Sasikumar Vinjam
2 months ago
Fast and great experience, given few options to select according to our needy loan. Thanks🙏
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Sharulez Nizam
2 months ago
They person name fadilah who attenteded me was so polite and very detail about my loan that I looking for......
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Arvind Ravindran
2 months ago
They assist you throughout the process. Any queries they will be able to answer. Fast and efficient. Multiple...
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Osman Sadelan
2 months ago
Karthi has been wonderful and very patient.She deserves recognition for effort
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Adim Adam
2 months ago
Help to consolidate all my loan and help me to find best loan in town.. And all the staff in lendela is very...
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saint rigg
2 months ago
V fast process when u deal wth them...n not much to worry...
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Mohd Fazly
2 months ago
Karthi had assisted me so well to ensure that i could get my loan to my needs. His willingness to help me is...
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Haiqal Yusoff
2 months ago
Have been using Lendela quite a few times and they are reliable and quick. Pros: 1. Collate all the offers from...
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satheesh kumar
2 months ago
Thank you so much for the service u have done for me. Can recommend to others if u have any difficulty on finding...
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76MS Melvin
2 months ago
My liasing person is Fadilah, and she did a very good job by making sure everything is in order and making sure to ...
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Joseph Teh
2 months ago
Lendela is very efficient and swift in recommending the precise loan provider that is suitable to your needs. I...
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Mau Liporada
2 months ago
professional and accommodate me very fast. friendly and always answer my queries. may loan fast to approve and got ...
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Hari garan
2 months ago
Lendlela is very fast and efficient in providing the loan offers. Within the day I received the loan. Thank you so ...
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jad rawkz
2 months ago
Staff named wani, was very fast and professionally in helping customer with thier needs and will Go extra miles...
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daeng mahathir
2 months ago
Very good very fast
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Obek Jo
2 months ago
Fast and easy
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Pitchai Muthu
3 months ago
Thank you for your good support.
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Diana
3 months ago
Found them at TikTok and decided to use their service. It was so convenient that they did the searched for me.I...
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Dzul Fiqhar
3 months ago
Thank you so much for the service u have done for me. Surely would recommend to others if u have any difficulty on ...
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Fast Turtle
3 months ago
Honestly lendela is not a scam, I been served by caleb. Caleb is a friendly and nice guy, he knows which lender is ...
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Pradeep Patra
4 months ago
It was a very smooth experience
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Law CY
5 months ago
Fuss free service. Fast and reliable.
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IR caddrafter
5 months ago
Service was good. Prompt updates from time to time regarding the offers received. Overall got a good deal myself....
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L'ollonais Dani
5 months ago
Fast and reliable!
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Shuping ho
6 months ago
Very friendly and excellent customer service from Fadilah! She went to the extra miles to help me solve my...
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Rohit Prasad
6 months ago
Fast and perfect
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Liyana M
7 months ago
Fast & Efficient. Customer service, Fadilah was very helpful!
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lou hansel gonzales
7 months ago
Fuss free service. Very helpful service 👍👍
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sya pynk_owl
8 months ago
Highly recommended 👌 wani gives tip top service💪🏼💪🏼💪🏼
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MAMAT NALOR
8 months ago
Contacted By Wani to assist me with my loan application . FAST and EFFICIENT . LOAN Application Becomes Easier ,...
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Analiza Pascual
8 months ago
Thanks fadilah and lendela. Nice experience
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Thuzar Thein
8 months ago
Thanks you so much for arrangement. Got loan within one day
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honeybee120sg
8 months ago
Great customer service and fast response! Recommended!
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Rizal Irfan
9 months ago
F from lendela is super helpful and prompt in response, thank you for the best service!!
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Amazing Kitchen Healthy Lifestyle
9 months ago
Very Good service. Legit. Very accommodating. Thank you
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Muhammad Nasruddin Bin Marjuki
9 months ago
Great system in finding the best loan providers for you. Excellent follow ups and assist greatly in reminding and...
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Kumar Ashok
9 months ago
Very nice advisor n financial matters and very responsive
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Mohd Ashik
9 months ago
Fast respond from Miss Wani Landela. Thanks Miss Wani and Landela staffs.
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Noor Abd
9 months ago
Easy, fast and friendly service!
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Kassim Ismail
9 months ago
Very good thanks lendela👍
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H R
10 months ago
Was skeptical about all this third party middle person to get the best moneylender but decided to just try despite ...
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Danial Memel
10 months ago
Quick, friendly staff that is willing to answer any questions, felt like we are their priority.. good job!
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Ivan Yeo
10 months ago
Very efficient and good in recommendations.
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Affandi Abdul Rahim
10 months ago
Doing a good job find the right lender to give a help when we need urgent matter...
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June Tew
10 months ago
The staff at the company was great help. They made the process easy. Lenleda staff also did a close follow up.
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Krait
11 months ago
Was sceptical initially but officer wani was helpful in helping me getting a debt consolidation loan to clear off...
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Muhammad Sofie Abu Bakar
1 year ago
Thumbs up to this company and also for the excellent customer service from Fadilah! She went to the extra miles to ...
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fauzi BA
1 year ago
Hands down no scam. When I first saw the ad at City Hall MRT I wondered what they were all about. I used to take...
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kambing gurun
1 year ago
If you are in need of urgent cash...Lendela is the best platform where they will search for you all the...
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Nuur Syuhan
1 year ago
Wani has been a great help for me since day 1 and she even went on her extra mile to help seek to my most...
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Kevin Phua
1 year ago
Super good, very efficient. Very happy
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Noorhayati Senin
1 year ago
Received 3 offers within 24 hours of application via Lendela. Once you forwarded all the required documents, the...
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Khai Hsing Ng
1 year ago
Friendly and helpful
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Muizudeen Mohammad
1 year ago
Very professional, smooth transaction and less waiting time.
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Eugene Foo
1 year ago
Good Customer service received from Lendela. Because of their dedication, I am able to find a suitable Money...
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Mohd Husni Hamidi
1 year ago
Good Service by Lendela.Find the suitable solution for emergency need.Assist by experienced staff Fadilah. Very...
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dollies 21
1 year ago
Friendly,safe and hassle free... thanks to Fadilah nice service and very detail. And thank you Lendela team highly ...
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T_
1 year ago
It's a great platform to getting know of the pre- approved loans from different licenced money lenders according...
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Lyna Nazri
1 year ago
Accurate info. Fast approval. Very friendly customer service. Will use Lendela again and recommend to my friends.
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xPyy GT
1 year ago
Very Helpful.. Help me get the loan i wanted within a day. very fast and efficient. staff were polite too. very...
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Marie Erucelle Rodriguez
1 year ago
They will really find the best loan company for u and let you get the amount u need..
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Joe J
1 year ago
It was fast and private. With all the necessary documents, I got my loan within half an hour. Thank you so much...
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Miss Zue
1 year ago
Thank you Lendela for helping me with the right lenders though my exceed limit
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Nur Azhar Osman
1 year ago
When in need of loan, look for lendela! Reliable and trustworthy company. They will eventually look for company to ...
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Mohamed Alfiean Bin Ali
1 year ago
Thanks Wani for the great help
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Zheng Zhong Ren
1 year ago
Very accurate description. I had my loan of 2.5K obtained quickly as described. Very friendly customer service....
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AJ Tan
1 year ago
Friendly and helpful in their recommendations and proper guidance.
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Suffian Synyster
1 year ago
Great experience with Lendela, super efficient with the services. Thanks for helping Ms Wani...
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Muhd Amirul
1 year ago
Excellent customer service. No pressure was enforced in taking up a loan and was really impressed with their...
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Mathan BioMech
1 year ago
Very helpful with what I'm looking for.
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Mohamed Fadhil
1 year ago
Great experience with them, super efficient and kudos to Ms Fadilah for being such a great help! Thumbs up!!
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Max Yuan
1 year ago
Good follow up by them even took the extra mile to assist us even we feel there is not much hope thanks!
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Witawat Choo
1 year ago
Had made two loans through Lendela. Website is easy to use and straightforward. After accepting loan offer, the...
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fiewan ejal
1 year ago
Fadilah was very remindful and has help me in choosing which loan offer to choose from. Kudos to her and lendela....
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Jeffrey Yeo
1 year ago
Good and friendly response. ❤️
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MyLead365
1 year ago
I had a great experiences while looking for financial assistant and was helped by your staff, Fadilah. She helped...
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alicia jo
1 year ago
Loan was efficient and convenient
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Khairul Ismail
1 year ago
Awesome platform. Thank you
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Artalex . Me
1 year ago
It's very convenient to use. It searches possible loan offers as much as it can for you (within a few hours). Then ...
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Jas Nora
1 year ago
Such a hospitably and a family friendly staff.. Psst.. can i join you guys..☝️👍
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Danial Abdullah
1 year ago
Lendela was very efficient in providing me the recommended money lenders for me to apply from. It provided me the...
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Ryo Tetsuya
1 year ago
Lending money can be a hassle, but Lendela helped in cutting down the time needed to search for the right...
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Farid Zin
1 year ago
Fast and efficient. Pleasant transaction.
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Muhammad Amiruddin Said
1 year ago
Was kinda skeptical abt it but it was a smooth journey from the start till the end; from me asking them questions...
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Ganesh Parveenth
1 year ago
Very satisfied with their service. Very Friendly and understanding. Definitely recommended 👌🏾
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Zelly teo
1 year ago
they were really fast and efficient to provide the necessary help that i was seeking for :)! excellent
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Afiq Bourne
1 year ago
Wani is professional and a great asistance in answering any queries. She also follow up on client's approval.
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Amin 1908
1 year ago
Best assistance ever.....
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abdul aziz mohd
1 year ago
Staff is very friendly and very helpful too. Explain eveything in detail about the loan to borrower. Two thumbs...
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Hidayah Idros
1 year ago
Efficient and helpful staff, Wani. Never fail to update and assist on my enquiries. Trusted and reliable broker....
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Gabriel Goh
1 year ago
Lauren was super helpful and quick, helping me to find a lender in less than 30 mins. The lender she found was...
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Zhi Xiang Low
1 year ago
Extremely helpful and great patience by Wani, as it was my first time getting a loan, she guided me throughout the ...
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Keerthi Rao
1 year ago
The agent was able to offer me a loan real fast and I got thr loan as well. Great service!/
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Jay Ho
1 year ago
Great service from start till end. I had a short time frame to source for a loan. Rather than pushing to close the ...
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Jason Thng
1 year ago
Very friendly staff. Excellent customer service. Was able to find me a loan that I am comfortable to pay off with...
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ZZ
1 year ago
Fadilah, Thank you so much for your hospitality in keep following up for me and immediate replies keep up your...
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nabilul fikri
1 year ago
D and help me out to The Times I need the money and try to solve from the point when the new I can help me I...
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Haizel Nur
1 year ago
Their service was super solid and their staff go out of their way to help. I love you wani!! 😆😆😆
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Yvette Yin
1 year ago
Very friendly staff. Excellent customer service. Was able to find me a loan. Just need to attach all the required...
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Siti Nuriana
1 year ago
At first ,it might look like a scam website. So I gave my shot to try out and realized it's actually not.For those ...
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Chng Kee Chin
1 year ago
Quick and fast response. Efficient in expediting the approval of the loan :)
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Jade Yati
1 year ago
Lauren has assisted me on my loan, He is so helpful. I eventually gotten a loan with Lendela Help. Thank alot...
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Amirul hakim Mohammad
1 year ago
Everything went smoothly
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Zainul Chia
1 year ago
Absolutely amazing, help in alot of ways. Very recommended
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Mohamad Firdaus
1 year ago
Fast reply :) they will find you the best moneylender within your budget. Highly recommended.
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Sharen Raj
1 year ago
It was a great experience for me..the service Fadilah served was really impressive!! Good deal and perfect for...
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papa yoss
1 year ago
very Friendly stuff , good service & helpful in loan .. thank you so much Fadilah !!🙏👍😊
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Kc Yoon
1 year ago
Started looking for a loan late last night, got onto Lendala....received offers within the hour..confirmed my...
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Hock Min Ng
1 year ago
谢谢Lendela Pre.Ltd这平台,感谢Lauren的帮助,👍👍👍。
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joshua henry
1 year ago
Lendela helped me find a good and legit company to get a loan. Lauren assisted me. She is so helpful with me, the...
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Mad Ness
1 year ago
Lauren provide a great service for LENDELA! definitely worth your time
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Gopinath Pillai
1 year ago
Wani of Lendela was extremely professional and very helpful. She went out of her way to assist me
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Chen Zhenxiang
1 year ago
For the amount of loan and repayment requested it was hard to find any company that's willing to lend....
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Ami Vynes Lee
1 year ago
I was assigned by Fadilah from Lendela to assist on my loan. She called me and start with a welcoming greeting,...
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Abdul Faizal
1 year ago
Ease of applications and approval. Thank you for facilitating the loan.
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Nurfitrah Sanchez
1 year ago
Wani has helped me efficiently! I was able to secure a loan fast and well detailed. Appreciate it alot.👍
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Zac Haris
1 year ago
Lauren has been a great help and she follow through with me until I successfully get the loan i im looking for....
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Raymond Chur
1 year ago
Really do appreciate Ms Wani for the great help! Believe is the best deal and service that Ms Wani had introduced. ...
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Zainal Saadon
1 year ago
Thank you so much Ms Lauren for your assistance that I'm able to get my loan from lender today.I was so happy the...
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Sutrisni Norazmi
1 year ago
Thank you Lendela! Ur help is vvv much appreciated. My loan is approved within 30minutes! So relieved! Thank you...
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James starshire
1 year ago
Cool team, awesome platform. Person who helped me was super friendly and super efficient. Got a loan within the day
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Dean Junior
1 year ago
I felt relieved and glad that my loans were approved by the Company and even Lendela staff Miss Fadilah went a...
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Zie Mohd
1 year ago
Thanks Wani for follow up till to the end. Overall process was smooth and make feel much better. Thanks a loads!...
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Yusaini Rasyidin Razak
1 year ago
Everything is easy with Lendela, the loan offers was surprisingly quick for a first time experience. Lauren was so ...
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DENNI0 ???
1 year ago
So many finance broker, this is truly trusted one, able to provide your financial need expection request. Customer ...
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Stephen Chua
1 year ago
Meticulous service with timely follow-up.
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Zara S.
1 year ago
Hassle and fuss-free. Fadilah was very patient to assist me in applying and clarifying my queries. It was a fast...
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Hans Ahmad
1 year ago
Good service and very helpful... Thank you so much.
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Nazruddin Sanchez
1 year ago
Really appreciate the help given by Fadilah. Thanks to her I was able to secure a loan fast and easy. Very...
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Muhammad Syazwan Ghani
1 year ago
Had a great and wonderful service with Lendela Pte Ltd. From application to receiving my loan all within 24hrs....
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Ruhaizat Yazid
1 year ago
Great service.. Lendela really supported me when im really in need. Thanks guys
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Mohd Loqman
1 year ago
ʟᴇɴᴅᴇʟᴀ ɪs ɢᴏᴏᴅ ᴘʟᴀᴄᴇ ᴛᴏ ᴇɴǫᴜɪʀᴇ ᴀʙᴏᴜᴛ ʟᴏᴀɴ. ᴛʜᴇ...
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MechFunc Autopilot
1 year ago
Awesome and friendly customer service , fast and efficient transaction, clear explanation and advise on product...
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Wesley Hii
1 year ago
Really hassle free and smooth transaction. Enquired personal loan in and got my cash 💰 in the afternoon, whole ...
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K K
1 year ago
Highly recommended for their service! Amazing patience and detailed follow up! Kudos to Fadilah! Really appreciate ...
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Muhsin Nuruddin
1 year ago
A place where you need help financially and with flexibility to commit . They will do the search for you! And...
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Muhd Rian
1 year ago
Great experience. Fadilah delivered a great service. Really helping me out and sort for me the loan i needed. The...
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Johnny Teo
2 years ago
Fast and efficient manage to get the loan with one of the licensed Moneylender at low interest
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Haneyy Joslin
2 years ago
Thank you lendela for this opportunity! Biggest thank you to Wani for helping me throughout the process!
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Ariel Joyce Kho
2 years ago
Ben is really helpful and patient as he suggested the best loan for my situation with the most reasonable...
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Alfoind NG
2 years ago
Excellent site. Save me trouble sourcing different moneylender for best installments plan. Making this journey...
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Yong Wee Necro Lee
2 years ago
Superb helpful and efficient service from Ben. Strongly recommend to those who in need of financial help :)
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Fi Ryan
2 years ago
Thank you lendela for giving me an opportunity to have a quick loan in my desperate time , thank you mr ben for...
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JCM
2 years ago
Very friendly staff. Excellent customer service. Was able to find me a loan that I am comfortable to pay off with...
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poh angie
2 years ago
Due to COVID-19, my loan applications to banks were unsuccessful as I only started working for 2 months. Even...
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Gareth
2 years ago
I found Lendela through google search as i was in need of a personal loan. Reading through the positive reviews i...
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Chew Clover
2 years ago
Ben is friendly, helpful and informative. Really appreciate for his help! :)
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Rahmat Rizzuandi
2 years ago
Awesome service and honest staff!
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AJF Writes
2 years ago
I found my experience with Lendela efficient and professional. Would also like to commend a staff by the name of...
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Timothy Marc
2 years ago
Danny is really helpful and was patient answering all my questions and helped !me get a food deal. Greatly...
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Soler X2
2 years ago
First of al l ,i will like to thanks Danny From Lendela , for providing me options for my loan and the loan went...
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15Y6C23 THNG JING XIONG
2 years ago
Very useful platform to search for the best loan based on your eligibility. They r very helpful and accommodate to ...
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Muhammad Fauzi
2 years ago
Fast processing! Affordable interest rate .. highly recommend!
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Muhd Hanif
2 years ago
Was assisted by Lendela and everything went smoothly without any hassle. With the right guidance and patient, i...
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Calvin Oh
2 years ago
Good job from Ben to introduce me a good moneylender company and was given a loan amount and repay back in 6...
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Inul Jariah
2 years ago
I was assisted by Ben. He is very efficient and give advise perfectly. I got my loan approved smoothly.. I am...
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Candy Wong
2 years ago
Danny is really helpful! Went all the way to help me find a lender who's willing to help me! Lots of follow ups...
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kinetic candy
2 years ago
Ben was nice and patient in making sure everything went smoothly. Thank you so much for your help! Appreciate it.
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AizTheJoker HaHaahaaha
2 years ago
True great experience, really help me alot, Danny from Lendela when the extra mile to explain,assist & guide the...
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fadly sven
2 years ago
the swift replies..the prompt responses..the friendly, patience and clear answers we got from Ben was super...
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Vikramraj Shanmugan
2 years ago
I had applied for a Loan through Lendela online and within an hour got a call from Ben. Ben was really helpful and ...
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Annz Aanis
2 years ago
Ben assist me and give me hope that my chance of securing a loan is there eventhough I know its quite impossible....
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Kathy Roland
2 years ago
They must be sorcerers. They managed to get back to me and I wasn’t expecting much, but Ben managed to help me...
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Tee
2 years ago
Interesting idea with great assistance.
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M Khiril Eirsyed
2 years ago
Great help and assistance from Ben. The process is very quick and reliable. Assisted me throughout the process and ...
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Zac Zaini
2 years ago
Lendela is very efficient and reliable. They manage to recommend me company which meets my Criteria.. Their staff...
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Nurhayati Natasha
2 years ago
Was assisted by Ben and it was so smooth without any hassle. With the right guidance and patience, i was able to...
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Shamen Heng
2 years ago
My experience was excellent. Staff by name Ben helped me thru the process patiently and promptly tat made my loan...
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Sahim Sedik
2 years ago
Received the reply on the next day about the loan from Izwan. Even though decided not to apply but still positive ...
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TASH DYY
3 years ago
Speedy replies! Excellent services with fast response for our application. Highly recommended.
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Lim (mouseboy)
3 years ago
Very helpful and follow up even when the referred company didn't reply
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Erick Chng
3 years ago
very proactive following up on the status and outcome of the application. prompt and friendly sales rep who shared ...
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Iziaki R
3 years ago
Good service fast response great replies and thanks for getting back with our offers
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Mrdtux Rdtu
3 years ago
Friendly and fast communication

WE HELP YOU GET THE BEST PERSONAL LOAN

This is how it works:

Apply fast & easy

1. Apply with us in a few minutes – it is 100% free of charge

Compare your offers

2. Compare personal loan offers from multiple banks

Get the money

3. Pick the best loan and get your money

Learn more about Lendela

Our goal is to make your loan application process quicker, simpler and more transparent. As Singapore’s only true personal loan comparison service, we support you all the way from application to disbursement. Click below to read more about Lendela and how we empower thousands of loan-seeking Singaporeans every month.

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Lendela's guide to the best personal loan in Singapore

How do you find the best personal loan in Singapore the easy way? Take a few minutes and read our guide below, and you will have all the important information you need before applying for a personal loan online with Lendela. If you still have questions, feel free to contact our Customer Relationship Team for help.

What is a personal loan?

What is a personal loan?


A personal loan is money borrowed for personal use, such as paying off credit card debt, buying home gadgets, home or kitchen renovation, embarking on a special vacation, education, medical or wedding expenditure, or emergencies. Personal loans are also called consumer loans and are not usually backed by collateral. Banks typically begin the process by determining your credit score to assess whether you are eligible for a personal loan in Singapore and what interest rate should be placed on the loan. Making repayments on the loan usually involves making principal and interest payments monthly. The interest rates that are fixed on personal loans in Singapore will be determined by your credit history. Personal loans can be a good solution for individuals with financial issues that need to be resolved instantly. It also enables huge purchases and repayments at your own pace.

How personal loans work

How personal loans work


Banks and other credit institutions or financial companies can lend you, for instance, funds ranging from $5,000 to $250,000; and when you sign the dotted lines, you are agreeing to pay that amount back plus an interest. The repayments are made regularly and over a fixed period of time. The optimal loan tenure for a personal loan in Singapore is usually 10 years. Personal loan repayment rates are set such that you can slowly pay back the amount you borrowed, i.e., the principal and the interest.

There are a number of places that offer personal loans in Singapore for borrowers with different needs. Banks are often the first place people go to obtain an instant personal loan. Traditional banks require a decent credit score to qualify for any of their loan packages, and existing customers may be eligible for additional benefits. Virtual banks operate in more or less the same way but without the need for a physical branch presence, so you can obtain a personal loan almost instantly online.

Financial institutions, including online-based companies, are another popular option for personal loans in Singapore. These credit institutions have a strong track record of analysing consumer creditworthiness and can provide competitive personal loan offers. In some instances, financial institutions can be more flexible on some of the metrics when assessing an individual’s creditworthiness and effectively step in where some banks would have declined the same application. Online-based financial institutions often set themselves apart with flat-rate quotations and swift approval, along with added benefits like flexible disbursement, repayments, zero fees, or methods of lowering personal loan interest rates.

There are websites that allow individuals to compare and select personal loans online in an instant by connecting borrowers to banks and financial institutions. Lendela is the market leader when it comes to this type of service and the only online comparison platform that finds personalised offers so that you can compare concrete loan alternatives and select the best personal loan in Singapore.

Your 6-step guide to obtaining a personal loan

Your 6-step guide to obtaining a personal loan


Before securing a personal loan in Singapore, an application form will be first issued to you. Most banks and financial institutions follow a set of criteria when they’re considering you for a loan deal. To get the best loan package, there are some important things to think carefully about before filling out a personal loan application. Here are 6 steps to follow in order to secure the best personal loan in Singapore:

1. COMPARE YOUR OPTIONS

Weigh your options by determining the loan type that best caters for your needs. There are a variety of personal loans on the credit market today, and the one that you finally settle for is dependent on your financial situation and goals. Let’s examine some of the common loans that may be offered to you in Singapore.

• Secured loans

Secured loans require the presence of a guarantor or collateral. The guarantor will be responsible for paying back the loan should you default (i.e. fail to make repayments on the personal loan). If you present a house, car, land, a piece of machinery or any form of collateral, then the institution will take possession of the collateral until you fully service the loan deal.

• Unsecured loans

Most personal loans in Singapore are unsecured loans. For these types of personal loans, you do not need to present collateral or a guarantor. However, since these loans are unsecured, you may be asked to present proof of financial stability in order for your loan application to be acknowledged and ratified. This is done to ensure that you can make timely repayments on the loan.

• Personal lines of credit

You can also have an account through which you can borrow funds in fixed amounts without the need to repeatedly apply for loans. This is referred to as a personal line of credit. It can be likened to a credit card; however, a personal line of credit allows the borrower to obtain cash instead of credit. A line of credit is beneficial when making expenses for long-term ongoing tasks such as hiring the services of a contractor for home renovations. There is no set repayment period for a personal line of credit.

• Car loans

These are loans designed for the procurement of a vehicle. Depending on the financing rules deployed, there are typically two forms of car loans found in Singapore:

Conventional car loan:

This type of car loan provides personal funds for individuals for the purchase of a car with an interest rate calculated and set on the funds. The interest rate could be on a floating or fixed basis. The interest rates on the floating interest rate depend on the base rate which varies between banks.

Personal loan for a car:

An unsecured personal loan in Singapore can work as a good substitute for a conventional car loan. Since you can spend the money on what you want, this type of personal loan serves as a fast and easy way to your car.

2. ASSESS YOUR ELIGIBILITY CRITERIA

Make sure you meet the requirements for a loan deal. This will save you a lot of time that could be wasted considering a consumer loan that you are not eligible for. Basic eligibility criteria that need to be satisfied vary from bank to bank, but there are common factors to consider when applying for a personal loan, either online or in person. These include:

Credit score:

Many banks evaluate an individual’s credit score differently. In Singapore, you are generally expected to have a credit score that ranges from around 1825 to 2000 in order to qualify for a consumer loan.

Employment:

In general, banks accept applicants who work or reside in Singapore and are gainfully and stably employed or self-employed. Some banks may expect you to have alternative sources of income like retirement benefits or investments in addition to being employed.

Income:

To successfully apply for the best personal loan in Singapore via Lendela, you are required to earn a minimum of $1,600 per month.

Residency:

Most of our banks and financial institutions grant personal loans to Singaporean citizens, permanent residents and EP holders.

Age:

You are expected to be between 21 and 61 years old to apply for the best personal loan in Singapore with Lendela.

3. FINISH THE APPLICATION PROCESS

The application procedure for a personal loan varies across banks. Many credit issuers provide online-based applications in addition to applying at their branch office. Usually, you’ll be required to tender a variety of documents and personal data to the issuing institution, before or during the loan application process. The documents typically consist of:

Government-issued ID:

You need to provide a passport, driver’s license, or other forms of government-issued identification when the bank is processing your personal loan application or when you are collecting the loan disbursement.

Proof of income:

Some banks may ask you to provide payslips from the last three to six months, or your bank account statements. If you are in the self-employed category, banks may demand tax returns from the last two years of the most recent one-year statement for both current and savings accounts.

Proof of residence:

You need to prove your residential address. This can be done, for instance, by providing your latest local utility bills, local telecommunication bills, or local bank statement/credit card statement.

Apply with Lendela

When you apply for the best personal loan in Singapore with Lendela, your application gets sent to several banks and financial institutions instantly. They will get back quickly with their best personal loan offers in Singapore for you to compare. The online application takes only a couple of minutes to complete (to speed it up, have all your information ready), but you can also apply by calling our Customer Relationship Team and one of our experienced agents will help you through the whole process.

4. WAIT FOR A MESSAGE OF APPROVAL

Your online application for a personal loan will be acknowledged electronically and you’ll be notified as soon as a bank comes back with a pre-approved offer. This normally happens instantly, taking no longer than just a few minutes. No matter the approach of the bank, the pre-approval and full approval phases are the two stages you need to hurdle past to get your loan.

• The pre-approval phase

This is the provisional approval stage, which involves less time as the bank is assessing your credentials as a borrower. A pre-approved offer is also called an in-principle-approved offer. This designation is given while they await supplementary information from you which could range from additional pay slips to papers summarising your debts or assets. The credit issuer still needs to fully acknowledge your personal loan application and evaluate your credit before granting you full approval.

• The final approval phase

Final approval on your loan application is usually given when you have supplied all required information to the bank and passed its eligibility criteria. The bank will then grant you a personal loan contract that details the amount you are borrowing, the interest rate, the final amount to be paid as well as other vital information attributed to your loan deal.

5. LOAN DISBURSEMENT

Banks can fund your loan through a variety of means. For example, when you obtain a car loan, the bank may opt to pay the car dealer directly. This is usually the same case with loans taken for debt consolidation, where they send the money to your creditor directly. When you apply for an unsecured personal loan in Singapore, the bank forwards the funds to your account. This process of disbursement happens almost instantly as it usually takes no more than 1 day.

6. KNOW ALL THE REPAYMENT TERMS

Most banks' repayment terms are set on a yearly or monthly basis and have an affixed interest rate. Repayments on personal loans can be made online, via direct payments from your set bank account. It can also be done via third-party money transfer providers, to the account of a designated debt collector or check. Sometimes, it can be wise to ensure that the bank doesn’t restrict the amount of funds that you can pay per annum, if you wish to service your loan earlier than expected.

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Reasons to consider a personal loan

Reasons to consider a personal loan


1. Funds can be utilised at your discretion

This is perhaps one of the biggest advantages of the best personal loan deal. There are no restrictions on how you use the money. So whether it’s a wedding, the purchase of machinery, holidaying, medical treatment or tuition, you decide how and when you want to use your personal loan, whether it be in an instant or over a certain period of time.

2. No risk of property loss

For unsecured loans, the issuer does not require any security in the form of collateral, prior to the disbursement of the funds. In contrast to secured loans, the loan funds are disbursed irrespective of security concerns and you need not put up anything such as a house, vehicle, or land as collateral to the bank or financial institution.

3. Easy application process

Completion of the paperwork for a personal loan in Singapore is simple. You only need to tender proof of your identity, address, income, recent salary slips, current income tax returns, and statement of account from the past six months to a year, as well as other fundamentals. If you’re applying for a personal loan online, all you need to do is upload a soft copy of each document, and complete the application.

4. Monthly repayments to reduce financial burden

Personal loans are designed so that you can make repayments in monthly instalments. This involves repaying a portion of the principal amount and the interest amount in simple chunks. The bank does not expect you to pay off a large chunk of the loan all at once. You can select various means of repayment in a manner that suits your financial situation.

5. More cost-effective than credit card loans

It is commonplace to find people using credit cards. Obtaining a credit card loan deal is quick and easy but one drawback is its expensiveness. Interest rates on credit card loans in Singapore can be very high, while a personal loan can go for as low as 5% per annum.

6. Fast processing

Most personal loans can be processed almost instantly, taking less than two days. If the loan issuer has received your duly filled application and all the requisite paperwork, then a decision is taken almost instantaneously. Your credit score and history will be further evaluated when your personal loan application is being reviewed. Besides receiving your application at a branch office, some banks also allow you to apply for a personal loan online directly through their website.

7. Quick disbursement

A personal loan in Singapore comes with quick turnaround times. An approved loan fund can be disbursed almost instantly, in less than a day or two. Older customers of a credit institution stand a better chance of receiving the money faster. If your application falls during the weekend or public holiday; when they might not be in operation, the application can be processed as soon as the next working day. The disbursal of funds is dependent on full approval of the loan application as mentioned earlier.

8. Tenure flexibility

The borrower is often given a range of one to five years to repay the loan funds; 10 years according to some banks. Tenure depends on the loan principal and interest rate affixed to the personal loan. Make an effort to discuss tenure options with the bank so that a repayment plan that works for both parties is agreed upon.

9. Availability of top-up options

Some banks allow you to top-up on an existing loan deal. Let’s say you have a loan of $30,000 but need an additional $5,000. In such a scenario, you can request an extension fund on the running personal loan at the possibility of the same interest rate. With this, you aren’t required to apply for a fresh personal loan, either online or in person, ultimately evading the rigorous application process.

10. Availability of various loan types

A personal loan in Singapore is not merely a standardised scheme. In truth, there are a plethora of personal loan deals available. There are some plans that are designed for certain industry professionals such as lawyers, doctors, engineers, and investors. Women and farmers may also enjoy personal loan plans that charge very low interest rates due to their social characteristics.

At Lendela, we believe in finding innovative ways to simplify your personal loan application process by leveraging digital technology. We are brimming with confidence on the back of over 15 years of experience in helping connect consumers with the best banks in the Scandinavian region, channeling more than one million customers to over 30 well-established banks and financial institutions in the region, such as Santander, SEB & Swedbank.

We have mediated over 600,000 loan applications in South America, thanks in no small part to our partnerships with more than 25 established credit partners including Banco Pan, BV, Safra, Banco Maxima, Banco CBSS and Banco Ibi. We are also market leaders in Brazil and have been lauded for enabling customers to enjoy the best personal loans to fulfil their dreams.

Through Lendela, we have taken the step to offer a service for online personal loans in Singapore as well. We are constantly looking to improve our user experience, bank panel and customer service, to become even better in finding you the best personal loan in Singapore.

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How does Lendela help you find the best personal loan in Singapore?

How does Lendela help you find the best personal loan in Singapore?


It is time to get the hustles out of the personal loan application process, and Lendela is here to make it happen. Whether you want a personal loan for buying a new car or to fund tertiary education, the process does not have to be stressful and painfully long. By applying for a personal loan online through Lendela, the process that could have taken multiple hours, days, or weeks is completed almost instantly, taking just a few minutes.

Comparing loan offers with Lendela makes it easy for you to land the best loan offer available to you in Singapore, and to do so quickly and efficiently. Why struggle to make 10 personal loan applications, and all of them get rejected when Lendela can help you find the one in an instant? Submit the application, go on with your work, and let Lendela do the work for you. Other benefits of using Lendela include:

1. You only need to provide a few details.

2. Lendela partners with a long list of banks and financial institutions to get application approval as fast as possible.

3. By connecting with multiple banks and financial institutions, Lendela makes it easy to compare and identify personal loans with low-interest rates.

4. You can find a personal loan even if you don’t have a very good credit score. Even if most conventional banks might have declined your application, Lendela can help to revive your hope of getting the personal loan that you want.

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