{"id":10008,"date":"2026-10-19T06:00:00","date_gmt":"2026-10-19T06:00:00","guid":{"rendered":"https:\/\/1stcapital.com.sg\/?page_id=10008"},"modified":"2026-10-19T10:15:23","modified_gmt":"2026-10-19T10:15:23","slug":"personal-loan","status":"publish","type":"page","link":"https:\/\/1stcapital.com.sg\/?page_id=10008","title":{"rendered":"First Capital \u2014 Get a Fast Cash Loan Now for Your Personal Needs"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"10008\" class=\"elementor elementor-10008\">\n\t\t\t\t<div class=\"elementor-element elementor-element-38cee9a8 fc-v2 e-flex e-con-boxed e-con e-parent\" data-id=\"38cee9a8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3545a594 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"3545a594\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54869ea elementor-hidden-mobile elementor-widget elementor-widget-text-editor\" data-id=\"54869ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tLicense Number: 03\/2026\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-461cb009 elementor-hidden-mobile elementor-widget elementor-widget-text-editor\" data-id=\"461cb009\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tCall Us At 6734 7700 or <a style=\"color:white;text-decoration:underline\" href=\"\/?page_id=10005\">Request a Callback Now<\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-203b6402 elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-text-editor\" data-id=\"203b6402\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<a style=\"color:white;text-decoration:underline\" href=\"\/?page_id=10011\">Get Your Loan Now<\/a> &#8211;<br>Call Us At <a style=\"color:white;text-decoration:underline\" href=\"tel:67347700\">\u260e6734 7700<\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-63fac4e2 fc-v2 e-flex e-con-boxed e-con e-parent\" data-id=\"63fac4e2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2807508b elementor-widget elementor-widget-image\" data-id=\"2807508b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"\/\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"320\" height=\"70\" src=\"https:\/\/1stcapital.com.sg\/wp-content\/uploads\/2026\/10\/logo-320.png\" class=\"attachment-full size-full wp-image-21\" alt=\"\" srcset=\"https:\/\/1stcapital.com.sg\/wp-content\/uploads\/2026\/10\/logo-320.png 320w, https:\/\/1stcapital.com.sg\/wp-content\/uploads\/2026\/10\/logo-320-300x66.png 300w\" sizes=\"(max-width: 320px) 100vw, 320px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-55d98d37 fc-v2 e-flex e-con-boxed e-con e-parent\" data-id=\"55d98d37\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-587ddf38 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"587ddf38\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78b9dcb elementor-widget elementor-widget-heading\" data-id=\"78b9dcb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Get a Fast Cash Loan Now for Your Personal Needs<\/h1>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4d3ddc6 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"4d3ddc6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c200df6 elementor-widget elementor-widget-text-editor\" data-id=\"7c200df6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul style=\"list-style:none;padding-left:16px;margin:0\"><li style=\"position:relative;padding-left:28px\"><span style=\"position:absolute;left:0;color:#82BE33;font:bold 26px Arial\">\u2713<\/span><strong>All income-levels eligible<\/strong> for a personal loan<\/li><li style=\"position:relative;padding-left:28px\"><span style=\"position:absolute;left:0;color:#82BE33;font:bold 26px Arial\">\u2713<\/span>Get a <strong>low interest rate<\/strong> from 1% per month with <strong>flexible repayment<\/strong><\/li><li style=\"position:relative;padding-left:28px\"><span style=\"position:absolute;left:0;color:#82BE33;font:bold 26px Arial\">\u2713<\/span><strong>Fast Response Time<\/strong> on working days<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-508a45ea e-con-full fc-v2 e-flex e-con e-child\" data-id=\"508a45ea\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d0df645 elementor-widget elementor-widget-heading\" data-id=\"3d0df645\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Get Your Cash Now - Let Us Know How Much You Need<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-74b9319f e-con-full fc-v2 e-flex e-con e-child\" data-id=\"74b9319f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-77ff6d e-con-full fc-v2 e-flex e-con e-child\" data-id=\"77ff6d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b5954f1 elementor-widget elementor-widget-text-editor\" data-id=\"b5954f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tLoan Amount\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42a19d36 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"42a19d36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/?page_id=10002\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get Loan Now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7c6c2b36 fc-v2 e-flex e-con-boxed e-con e-parent\" data-id=\"7c6c2b36\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4903c35b elementor-widget elementor-widget-heading\" data-id=\"4903c35b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is a Personal Loan?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e8e4de e-con-full fc-v2 e-flex e-con e-child\" data-id=\"4e8e4de\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11fd0765 elementor-widget elementor-widget-text-editor\" data-id=\"11fd0765\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A personal loan is an amount of money loaned from a financial institution such as a bank, credit union or online lender. Repayment terms are normally in fixed monthly payments, or installments over two to five years. There are secured or unsecured personal loans. The difference is secured loans require collateral and unsecured loans do not require collaterals. Collaterals could be in the form of property, cars or cash.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-67b9814c e-con-full fc-v2 e-flex e-con e-child\" data-id=\"67b9814c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d2bc8dd elementor-widget elementor-widget-heading\" data-id=\"5d2bc8dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Where to Get a Personal Loan in Singapore?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2705add7 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"2705add7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51490a87 elementor-widget elementor-widget-text-editor\" data-id=\"51490a87\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>It&#x27;s simple to get a personal loan in Singapore. Banks, credit unions or online lenders are places you can get them from. If you want to have a smooth loan application, it is recommended that you update yourself on the types of loans available and how loans work. These information can be easily found online. You may contact financial institutions for any questions you&#x27;re not able to find online.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3bd3b275 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"3bd3b275\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d86c3e5 elementor-widget elementor-widget-heading\" data-id=\"6d86c3e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Which Bank is Best for Personal Loan?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3cc59b69 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"3cc59b69\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-336d2872 elementor-widget elementor-widget-text-editor\" data-id=\"336d2872\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Did you know that other financial institutions such as credit union and online lenders may offer you a personal loan that&#x27;s more suited to your needs? As there are a variety of personal loans in Singapore, it can be confusing if you don&#x27;t know how loans work.<\/p><p>Before you decide which loan is the best for you, do remember to take note of the interest rates, your personal needs and the requirements. We will share what you need to know about personal loans in this article to help you make a decision on which personal loan you should get.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3b29fd82 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"3b29fd82\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5aabac22 elementor-widget elementor-widget-heading\" data-id=\"5aabac22\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How much Personal Loan can I Take?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-10e2ba9 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"10e2ba9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11badf8f elementor-widget elementor-widget-text-editor\" data-id=\"11badf8f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>You can qualify for a bank loan up to 4 times your monthly salary if your income is $20,000 or more a year. Should your income be $120,000 or more a year, you can qualify for a bank loan up to 10 times your monthly salary. Since the criteria and regulations for each bank and licensed lender, you should find out more about personal loans before making a decision.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-460d6dbc e-con-full fc-v2 e-flex e-con e-child\" data-id=\"460d6dbc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30ab0c52 elementor-widget elementor-widget-heading\" data-id=\"30ab0c52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to Pay a Bank Personal Loan Online?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-75647d84 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"75647d84\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c522290 elementor-widget elementor-widget-text-editor\" data-id=\"6c522290\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>You will be provided with instructions by the financial institution you&#x27;ve borrowed from on how to make your repayment for your loan. You can normally pay with a bank transfer. But there may be other payment methods offered so be sure to find out from the financial institution you&#x27;re borrowing from.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1bfb4c08 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"1bfb4c08\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32a8db70 elementor-widget elementor-widget-heading\" data-id=\"32a8db70\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How much Personal Loan can I Get in Singapore?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1641f3bd e-con-full fc-v2 e-flex e-con e-child\" data-id=\"1641f3bd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69f283f0 elementor-widget elementor-widget-text-editor\" data-id=\"69f283f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>You can qualify for a bank loan up to 4 times your monthly salary if your income is $20,000 or more a year. Should your income be $120,000 or more a year, you can qualify for a bank loan up to 10 times your monthly salary.<\/p><p>Since the criteria and regulations are different for each bank and licensed lender, you should find out more about personal loans before making a decision.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1df8d34 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"1df8d34\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a91040c elementor-widget elementor-widget-heading\" data-id=\"7a91040c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to Apply for Personal Loan in a Bank?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2fa89c7a e-con-full fc-v2 e-flex e-con e-child\" data-id=\"2fa89c7a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c0294e5 elementor-widget elementor-widget-text-editor\" data-id=\"1c0294e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>You may do so online or in person at their office. Typically, the initial application is done online through the company&#x27;s website. You will have to visit their office to submit all the paperwork needed for approval. For some large banks, they may even offer a loan over the phone. If you want a smoother application process, it would be good for you have the required documents ready in advance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-31a1f1c0 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"31a1f1c0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b970afa elementor-widget elementor-widget-heading\" data-id=\"2b970afa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Happens if Personal Loan is not Paid?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2b98a50f e-con-full fc-v2 e-flex e-con e-child\" data-id=\"2b98a50f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f1e6513 elementor-widget elementor-widget-text-editor\" data-id=\"2f1e6513\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you don&#x27;t pay your loan, it will be considered a default on loan. Not paying you loan will result in you having to pay more than your original sum because of the penalty and interest rates involved. Your credit score will also be affected and it will not reflect well on you should you want get a loan in the future. So only get a loan if you&#x27;re confident that you can make the repayment on time.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5b4b4cfa e-con-full fc-v2 e-flex e-con e-child\" data-id=\"5b4b4cfa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fd5d79 elementor-widget elementor-widget-heading\" data-id=\"1fd5d79\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to Get Best Personal Loan Rates?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4a5db405 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"4a5db405\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-97572e1 elementor-widget elementor-widget-text-editor\" data-id=\"97572e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>There are many websites including financial institutions offering information about the types of loans available in Singapore. It would be good for you to be aware of all of the loans you can get before you pick one. On top of that, do take note that there are also other important factors such as selecting a loan that suits your personal needs and has terms you&#x27;re comfortable with.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-780b2f4 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"780b2f4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-606e0571 elementor-widget elementor-widget-heading\" data-id=\"606e0571\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How does a Personal Loan Work?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57431a47 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"57431a47\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1945599c elementor-widget elementor-widget-text-editor\" data-id=\"1945599c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A personal loan is an amount of money loaned from a financial institution such as a bank, credit union or online lender. Repayment terms are normally in fixed monthly payments, or installments over two to five years. There are secured or unsecured personal loans. The difference is secured loans require collateral and unsecured loans do not require collaterals. Collaterals could be in the form of property, cars or cash.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-444d4f55 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"444d4f55\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e27e2c1 elementor-widget elementor-widget-heading\" data-id=\"3e27e2c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to Get a Personal Loan in Singapore?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-663add2a e-con-full fc-v2 e-flex e-con e-child\" data-id=\"663add2a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-710d6a64 elementor-widget elementor-widget-text-editor\" data-id=\"710d6a64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>You can get a personal loan from banks, credit unions or online lenders by visiting their office or apply online. If you want to have a smooth loan application, it is recommended that you update yourself on the types of loans available and how loans work. These information can be easily found online. Feel free to contact financial institutions for any other questions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-51f81d4a e-con-full fc-v2 e-flex e-con e-child\" data-id=\"51f81d4a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c526b38 elementor-widget elementor-widget-heading\" data-id=\"6c526b38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Which Bank is the Easiest to Get Personal Loan?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-15915537 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"15915537\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55d00d43 elementor-widget elementor-widget-text-editor\" data-id=\"55d00d43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>All banks and licensed lenders offer several types of personal loans which you will need to know before selecting the best one for you. It isn&#x27;t just about which is the easiest personal loan to get. Other important things to note are the interest rates offered, how it will help with your personal needs and which terms suits you the best.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1bf071e4 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"1bf071e4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50acdd2c elementor-widget elementor-widget-heading\" data-id=\"50acdd2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to Get a Personal Loan with Bad Credit?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1d1a1a2f e-con-full fc-v2 e-flex e-con e-child\" data-id=\"1d1a1a2f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7cc16db1 elementor-widget elementor-widget-text-editor\" data-id=\"7cc16db1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>It is a challenge to get a personal loan from a traditional big bank with a bad credit. But getting a personal loan with bad credit is not impossible. You may reach out to other options such as credit unions or licensed lenders.<\/p><p>The amount you can loan is dependent on two things &#8211; your credit score and if your loan is secured. A secured loan is backed with a collateral which includes property, car or cash. That means if you&#x27;re unable to repay the loan on time, the financial institution will seize the collateral you&#x27;ve agreed to sacrificed.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-16308af2 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"16308af2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-336a6aa7 elementor-widget elementor-widget-heading\" data-id=\"336a6aa7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to Check Bank Personal Loan Status?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5c13cf0c e-con-full fc-v2 e-flex e-con e-child\" data-id=\"5c13cf0c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c9517b2 elementor-widget elementor-widget-text-editor\" data-id=\"3c9517b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>You may do so online for most banks. If you&#x27;ve loaned from a financial institution that doesn&#x27;t provide an online platform for checking the status, then they will either email the confirmation to you or you may feel free to reach out to them through their contact number.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2103d2cd e-con-full fc-v2 e-flex e-con e-child\" data-id=\"2103d2cd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abc22a5 elementor-widget elementor-widget-heading\" data-id=\"abc22a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What do You Need to Apply for a Personal Loan?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b6e74e0 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"1b6e74e0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5517c60c elementor-widget elementor-widget-text-editor\" data-id=\"5517c60c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>You will need the following documents:<\/p><ul><li><strong>Proof Of Identity<\/strong><br \/>A Singapore citizen, Singapore permanent resident or Foreigner holding a Valid Pass (eg: Work Permit, S Pass, Employment Pass, Long Term Pass etc.) Minimum age requirement is 18 years old. Must not be an undischarged bankrupt, nor face any bankruptcy proceeding<\/li><li><strong>Proof Of Income<\/strong><br \/>Must currently\u00a0have\u00a0a\u00a0stable,\u00a0permanent\u00a0job. For self-employed professionals, kindly provide us with a documentation of your employment and a record of your business transactions<\/li><li><strong>Proof Of Residential<\/strong><br \/>Must reside in Singapore and have document proof of being an owner or\u00a0renting\u00a0a\u00a0property*<\/li><\/ul><p>You may ignore if you are staying with parents, children, sibling or friends.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-147bb812 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"147bb812\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34605cf2 elementor-widget elementor-widget-heading\" data-id=\"34605cf2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to Apply for Bank Personal Loan?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6974fd76 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"6974fd76\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a7ce408 elementor-widget elementor-widget-text-editor\" data-id=\"4a7ce408\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>You may do so online or in person at their office. Typically, the initial application is done online through the company&#x27;s website. You will have to visit their office to submit all the paperwork needed for approval. For some large banks, they may even offer a loan over the phone. If you want a smoother application process, it would be good for you have the required documents ready in advance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3af4863c e-con-full fc-v2 e-flex e-con e-child\" data-id=\"3af4863c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ee1a228 elementor-widget elementor-widget-heading\" data-id=\"5ee1a228\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How Long will the Approval Take for Bank Personal Loan?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-72707563 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"72707563\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3297dbe1 elementor-widget elementor-widget-text-editor\" data-id=\"3297dbe1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>It can range from one minute to a month and more. It depends on how much you want to loan and your credit score. Having a good credit score will allow you to have receive your personal loan quicker so be sure to pay your bills on time.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-10ec8d47 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"10ec8d47\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79de7c89 elementor-widget elementor-widget-heading\" data-id=\"79de7c89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is the Best Personal Loan Available?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7a54b067 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"7a54b067\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-83c051a elementor-widget elementor-widget-text-editor\" data-id=\"83c051a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>As there are a variety of personal loans in Singapore offered by banks, credit unions and licensed lenders, it can be confusing if you don&#x27;t know how loans work. Before you decide which loan is the best for you, do remember to take note of the interest rates, your personal needs and the requirements.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6f38bc5e e-con-full fc-v2 e-flex e-con e-child\" data-id=\"6f38bc5e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b034fff elementor-widget elementor-widget-heading\" data-id=\"1b034fff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why Apply for a Personal Loan?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-32ee6fcc e-con-full fc-v2 e-flex e-con e-child\" data-id=\"32ee6fcc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f4b1a95 elementor-widget elementor-widget-text-editor\" data-id=\"3f4b1a95\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Personal loans are used for several purposes which include funding your personal business or even going on a dream vacation. It can be really useful however, it should only be taken only when you are sure you can make the repayment on time. Not returning the loan on time can be detrimental to your credit score which will cause a lot of inconvenience to you in the future.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5cb898a4 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"5cb898a4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61af6b1a elementor-widget elementor-widget-heading\" data-id=\"61af6b1a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who has the Best Personal Loan Interest Rates?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-54dd198b e-con-full fc-v2 e-flex e-con e-child\" data-id=\"54dd198b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-595c71a1 elementor-widget elementor-widget-text-editor\" data-id=\"595c71a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>There are many websites including financial institutions offering information about the types of loans available in Singapore. It would be good for you to be aware of all of the loans you can get before you pick one. On top of that, do take note that there are also other important factors such as selecting a loan that suits your personal needs and has terms you&#x27;re comfortable with.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-34f7bd1f e-con-full fc-v2 e-flex e-con e-child\" data-id=\"34f7bd1f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a79ebd7 elementor-widget elementor-widget-heading\" data-id=\"1a79ebd7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How much Personal Loan can I Afford?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-16734be6 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"16734be6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23fe30c7 elementor-widget elementor-widget-text-editor\" data-id=\"23fe30c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>There are several online personal loan calculators available and you may check them out to see how much loan you can get and the estimated amount you have to pay. You should only take the loan when you&#x27;re able to afford paying that amount every month.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-31fbc1c e-con-full fc-v2 e-flex e-con e-child\" data-id=\"31fbc1c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b0678b4 elementor-widget elementor-widget-heading\" data-id=\"3b0678b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How many Banks Provide Personal Loan?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1590f740 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"1590f740\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5269c616 elementor-widget elementor-widget-text-editor\" data-id=\"5269c616\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Personal loans are commonly provided by most banks in Singapore. But are you aware that banks are not the only places that provide personal loans? Other financial institutions such as credit unions and licensed lenders offer personal loans that may have lower interest rates and terms that may be more suitable for your means. You might want to check them out before you make a decision on which personal loan to get.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-45a3e4ad e-con-full fc-v2 e-flex e-con e-child\" data-id=\"45a3e4ad\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65d15796 elementor-widget elementor-widget-heading\" data-id=\"65d15796\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How many Years of Personal Loan can I Get?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-19620fcc e-con-full fc-v2 e-flex e-con e-child\" data-id=\"19620fcc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-73504e89 elementor-widget elementor-widget-text-editor\" data-id=\"73504e89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>You can get a personal loan tenure from one to seven years. The loan tenure is dependent on what you will be using the loan for. Things you can use the loan for include travel holidays, renovation, medical, business, wedding and education.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-95f0ec0 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"95f0ec0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68057987 elementor-widget elementor-widget-heading\" data-id=\"68057987\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is a Low Interest Personal Loan?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-575518ab e-con-full fc-v2 e-flex e-con e-child\" data-id=\"575518ab\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71e1ac3d elementor-widget elementor-widget-text-editor\" data-id=\"71e1ac3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>It is a loan with low interest rates which could mean that there are less additional costs incurred. However, this is not entirely true because the financial institution that you&#x27;re borrowing from could have a shorter repayment period. If you&#x27;re unable to return within that time frame, you may end up incurring more penalties while hurting your credit score. Other important things you want to take note include the loan amount, the terms and how your needs are catered to.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1f242e0d e-con-full fc-v2 e-flex e-con e-child\" data-id=\"1f242e0d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ef502c2 elementor-widget elementor-widget-heading\" data-id=\"4ef502c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">When to Apply for Personal Loan?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6512ba9f e-con-full fc-v2 e-flex e-con e-child\" data-id=\"6512ba9f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15860a7e elementor-widget elementor-widget-text-editor\" data-id=\"15860a7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you have products you&#x27;ve been eyeing on but you can&#x27;t afford at the moment, you could consider applying for a personal loan. To find the personal loan that you&#x27;re most comfortable with, you may visit the financial institutions&#x27; websites to see which is most appropriate for you in terms of the interest rates, requirements and terms. Personal loans are available all year round.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-109d820e e-con-full fc-v2 e-flex e-con e-child\" data-id=\"109d820e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f853540 elementor-widget elementor-widget-heading\" data-id=\"f853540\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How is Personal Loan Calculated?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4549eb54 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"4549eb54\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59f83171 elementor-widget elementor-widget-text-editor\" data-id=\"59f83171\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Many financial institutions offer a personal loan calculator on their websites which you may use to calculate. It will give you the Effective Interest Rate (EIR) and the amount that is payable per month for a specified period.<\/p><p>These 3 things affect the amount payable a month &#8211; the loan amount, the interest rate that the bank charges for your personal loan and the duration of your personal loan. Should you want to adjust the monthly installment, you can do so by amending the the personal loan amount or the specified loan period. Only borrow when you can be a 100% confident that you can repay every month.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7baa4d2 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"7baa4d2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-567a0abb elementor-widget elementor-widget-heading\" data-id=\"567a0abb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Personal Loan when Unemployed<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5c975667 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"5c975667\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11a192b1 elementor-widget elementor-widget-text-editor\" data-id=\"11a192b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Banks might be harder to loan from but you should definitely try to apply for one if you&#x27;ve found a personal loan that&#x27;s suitable for you. To increase your chances of getting a personal loan with the bank, be sure to show that you have a healthy score credit and prove that you can repay the money on time.<\/p><p>You could also consider borrowing from other financial institutions such as a credit union or licensed lender. They may have lower requirements and you may have a higher chance of getting that personal loan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4591ab00 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"4591ab00\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48e30986 elementor-widget elementor-widget-heading\" data-id=\"48e30986\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How much Credit Score is Required for Personal Loan?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f8d0747 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"f8d0747\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e415a17 elementor-widget elementor-widget-text-editor\" data-id=\"3e415a17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We use the Credit Bureau Singapore credit score in Singapore that ranges between 1000 to 2000. 1000 being the least likely you are to return the loan and 2000 being the most likely you are to return the loan. The score is affected by your payment history, the total amount of debt you currently owe and the number of credit lines you opened recently. Taking a new personal loan will decrease your credit score as it will increase your current debt and it is considered opening a new credit line.<\/p><p>Although the credit score is important, financial institutions also look at other components of your credit and payment history such as your annual salary, length of employment, bankruptcy\/litigation information, number of credit facilities. It is best to make payments on time if you have plans on getting any types of loans in the future.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1c44e844 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"1c44e844\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f119859 elementor-widget elementor-widget-heading\" data-id=\"7f119859\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to Calculate Personal Loan Interest Rate?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6d22a191 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"6d22a191\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d4daa4c elementor-widget elementor-widget-text-editor\" data-id=\"2d4daa4c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The Annual Flat Rate and the Effective Interest Rate (EIR) are interest rates involved in getting a personal loan. Here&#x27;s the difference between the two interest rates. All financial institutions will charge you an Annual Flat Rate on the loan amount you are taking. The EIR includes costs like the processing fee so that you&#x27;re completely aware of the amount you need to pay at the end of the day.<\/p><p>If you want to calculate the EIR, firstly think of the loan amount you need. Then find out how much you need to pay each month by dividing the total amount (principal) by the number of months you will be loaning for. Here&#x27;s how to calculate the total interest you will paying: Principal x Flat Interest Rate x Loan Tenor (years).<\/p><p>To give you a better understanding on how the calculations work, here&#x27;s an example for you. Let&#x27;s say you need a loan of $4,000 over 2 years and the average interest rate in Singapore is 7%. The total amount of interest you need to pay at the end of 2 years is (7% x $4000 x 2) = $560. When you include the processing fee ($150) with the interest payment ($560), that is the total cost of carrying the loan.<\/p><p>Next, find out the EIR of your loan by dividing the total cost ($150 + $560 = $710) by your average principal ($2,000) and the duration of your loan (2 years). That will give you 17.75% which is about 2.5 more than the 7% annual flat rate.<\/p><p>Do take note that there are several online loan calculators for you to find out the total amount you need to pay for your loan. So don&#x27;t worry if you are still unsure of how the calculation works.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-25f56a49 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"25f56a49\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-221151b6 elementor-widget elementor-widget-heading\" data-id=\"221151b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why Personal Loan Gets Rejected<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-38183821 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"38183821\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea99a03 elementor-widget elementor-widget-text-editor\" data-id=\"ea99a03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>There are a few reasons that your personal loan got rejected. The number one reason is bad credit history or lack of credit history information. Others could be your income is not of an amount that&#x27;s high enough for the loan or you could have too many loans opened at the moment. Financial institutions only approve their loans if they can be somewhat confident that you will return the loan eventually.<\/p><p>If the criteria for banks are too high, you could try loaning from credit unions or licensed lenders as they may have less requirements for you. Please be mindful that you should only loan when you can make repayment on time if not your credit score will be affected negatively.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4513271 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"4513271\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b098dec fc-v2 e-flex e-con-boxed e-con e-parent\" data-id=\"1b098dec\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-782c0fe2 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"782c0fe2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2d7d290d e-con-full fc-v2 e-flex e-con e-child\" data-id=\"2d7d290d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ad32351 elementor-widget elementor-widget-heading\" data-id=\"3ad32351\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Visit Us<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4d2d3793 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"4d2d3793\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4853fd63 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"4853fd63\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1555af18 elementor-widget elementor-widget-heading\" data-id=\"1555af18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">About Us<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7fbe6cac e-con-full fc-v2 e-flex e-con e-child\" data-id=\"7fbe6cac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f903646 elementor-widget elementor-widget-text-editor\" data-id=\"1f903646\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>1st Capital Pte. Ltd | License Money Lenders Singapore | Cash Loan Singapore | Personal Loan, is a licensed and trustworthy moneylender in Singapore that helps borrowers of all income levels.<\/p><p>Visit Us At:<\/p><p>304 Orchard Road, #04-01A\/02,<br \/>Lucky plaza, Singapore 238863<\/p><p>Operating Hours:<\/p><p>Monday to Friday : 10:30am \u2013 7:30pm<br \/>Saturday : 10:30am \u2013 4:30pm,<br \/>Sunday : Closed<\/p><p>Call Us At: 6734 7700<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6c785ba e-con-full fc-v2 e-flex e-con e-child\" data-id=\"6c785ba\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-66a7d323 elementor-widget elementor-widget-heading\" data-id=\"66a7d323\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Our Loan Services<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-487b6ef1 e-con-full fc-v2 e-flex e-con e-child\" data-id=\"487b6ef1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-895eb0b elementor-widget elementor-widget-text-editor\" data-id=\"895eb0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We offer a wide range of loan services for all income levels and needs.<\/p><p>Our loan services include:<\/p><p><a style=\"color:white;text-decoration:underline\" href=\"\/?page_id=10008\">Personal Loan<\/a><br><a style=\"color:white;text-decoration:underline\" href=\"\/?page_id=10006\">Foreigner Loan<\/a><br><a style=\"color:white;text-decoration:underline\" href=\"\/?page_id=10004\">Business Loan<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1277c73d e-con-full fc-v2 e-flex e-con e-child\" data-id=\"1277c73d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ac8c0fa elementor-widget elementor-widget-text-editor\" data-id=\"4ac8c0fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t\u00a9 2018 1st Capital Pte. Ltd. \u2022 304 Orchard Road, lucky plaza #04-01A\/02 Singapore 238863 \u2022 <a style=\"color:white;text-decoration:underline\" href=\"\/?page_id=10009\">Privacy<\/a> \u2022 <a style=\"color:white;text-decoration:underline\" href=\"\/?page_id=10010\">Terms of Use<\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-32e1d3e3 e-con-full fc-v2 fc-mobile-actions elementor-hidden-desktop elementor-hidden-tablet e-flex e-con e-parent\" data-id=\"32e1d3e3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68e60da9 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"68e60da9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/onlineapplication.1stcapital.com.sg\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u261e Apply Now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42857e77 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"42857e77\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:67347700\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u260e Call Us Now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1bdb840 e-flex e-con-boxed e-con e-parent\" data-id=\"1bdb840\" data-element_type=\"container\" 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