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    Fast Personal Cash Loan

    In Need Of an Urgent Personal Loan In Singapore?

    Are you struggling to make ends meet? Do you have unexpected bills that leave you stressed out and feeling overwhelmed? Are you in need of a helping hand to get back on the right financial track? Look no further! Credit Hub's Personal Cash Loan is here to help. Our loan terms are flexible, our rates are fair, and our online application portal makes it quick and easy to get the money that you need.
    Apply Now

    Best Personal Loan Offer in Singapore

    up to SGD$300,000

    up to
    12 months


    1 day

    What is a Personal Loan

    A personal loan is a type of loan to be taken up swiftly when you are in need of cash to pay for unexpected expenses such as car repairs, hospitalisation fees, operations etc. The loan will come in handy as everyone is bound to stumble upon unpredicted obligations that they must take care of at times.


    Why choose Us?

    • No collateral needed
    • Easy to acquire and apply through online
    • Lesser documents required
    • Shorter waiting time with minimal credit checks
    • Quick response and immediate approvals
    • Convenient and flexibility on the end-use of the loan amount

    Apply Now

    Credit Hub Capital
    values your personal discretion

    Credit Hub Capital values the personal discretion that everyone wants.

    Local banks require a borrower to furnish a reason for the loan with supporting documents to validate that the loaned amount is indeed used to pay off the expense declared as the official reason (such as renovation, housing payment). Constrastingly, we do not intrude on our borrowers’ privacy by asking what the money is being used for.

    In addition, as licensed money lender, Credit Hub Capital offers one of the lowest interest rates for a personal loan in Singapore.

    Flexible repayment scheme

    Everyone has different paycheck dates. Our flexible repayment scheme allows our clients to repay their personal loan at comfortable days of the month. Repayment can be done promptly with these simple steps.

    • Identify your desired loan repayment amount.
    • Choose your repayment scheme.
    • Repay the amount accordingly with the charges stated in the contract to the scheme

    Requirements For Fast Personal Loan


    Documents needed for personal loans

    In order to speed up the process and get your personal loan at the fastest time frame, we urge that you present these relevant documents to us.

    • NRIC / Employment Pass / Work Permit
    • Latest 3 months payslip / CPF contributions

    Applicants eligible for a personal loan

    Borrowers that are to meet these requirements are eligible to take out a cash loan from us

    • Aged of 21 and above
    • Singapore citizen / Permanent Resident / foreign worker with valid working permit
    • Under full time employment

    What To Expect When Taking A Personal Loan

    We value our customers and understand the agony that they may be going through and do not want them to go through any of these negative experiences. So our process for applying personal loans are simplified into 3 steps:

    Online application

    Our loan consultants will contact you to follow up on the documentation.

    Drop by our premise to collect the loan.

    Apply for a Personal Loan Now

    *All fields are required.


    Moneylenders in Singapore need to be licensed with the Registry of Moneylenders. Licensed moneylenders are regulated by the Moneylenders Act and Rules. Fees that can be charged, lending amounts limit, and interest rates a lender can charge, are capped by the Registry and Ministry of Law.

    Licensed moneylenders also need to register their office and phone number. When researching for personal cash loans, borrowers should look out for the office address and phone number in the website and tally with the registered list of licensed moneylenders.

    Under the advertising rules that took effect on 1 November 2011, licensed moneylenders are permitted to advertise only through these three channels:

    1. business or consumer directories (in print or online media)
    2. websites belonging to the moneylender
    3. advertisements placed within or on the exterior of the moneylender’s business premises

    All other channels are prohibited.
    You may look for Credit Hub Capital and our address in this list of moneylenders.
    To find out more about unlicensed moneylenders (UML), you may click on this link: Unlicensed Moneylending

    Instead of applying for the loan due to shortage of funds solely, the borrower should consider the issues and circumstances that are more important and require immediate attention and money. 

    There are higher interest rates and some fees included in your loan, which does not make it seem too appealing to be used for mundane things.

    Though so, personal cash loans are not only designed for an urgent expense. You surely can rely on the loan for other concerns - to pursue post-graduate education, professional training, or even consolidate massive credit card debts, which is tougher to repay with several cards separately while accumulating with high-interest rates. Learn more in Our Note To Borrowers.

    1. Think carefully about the personal loan rate of interest. You should do further research and comparison to secure a lower interest rate for a personal loan.
    2. Check the type of personal loan rate of interest from different banks and different moneylenders in Singapore before applying for one.
    3. Read the terms and conditions carefully. Understand the different kinds of fees aside from personal loan rate of interest. You may want to consider prepayment, disbursement and late payment fees (Our Note To Borrowers)
    4. The amount of loan you want to borrow should be within the limit because the repayment can be difficult. If you have outstanding payments then it will reflect on your credit history and vailing further loans will be difficult.

    Licensed moneylender focuses on smaller loans.

    With proper documents, approval can be done within the day as compared to banks which often need several days or a week for approval. Licensed moneylenders have a higher interest rate as compared to loans from banks.

    1. Identify your preferred loan repayment amount. Discuss with the licensed money lender about your choice of repayment scheme because this will affect your ability to repay your loan in full and your credibility if you are not able to pay.

      After all, you may end up encountering even deeper problems when you find a moneylender who can provide you with the amount you need. However, the payment terms are non-negotiable. Some companies may even fail to provide you with any support when you face serious issues in terms of repayments.

    2. Choose a lending institution that takes time to discuss with you on topics that will affect your decision when applying for a loan including repayment terms, interest rates, loanable amount, and other issues relevant to getting the best loan package. You can learn more in Our Note To Borrowers.

    As long as the individual can produce a proof of decent income, it is a possibility that they can still take out a loan with the moneylender. While licensed moneylenders are more forgiving to credit score, it is up to the moneylender’s decision whether to loan or not.

    More often than not, more people are taking loans, like housing loans and study loans, to pay off these necessities at different life stages and challenges. At Credit Hub Capital, the loan amount depends on the clients’ situations. Speak to our consultants and we’ll be glad to help.

    Concerns pertaining to payment - when you delay your loan payment, you will receive penalties. Besides settling the principal amount borrowed and the interest rate, there are other charges. Hence, only borrow when necessary.

    You need to understand the interest rate of the personal loan

    For the borrower, the personal loan rate of interest will often depend upon the assessment of the credit history of the borrower, the amount of the loan taken against the income of the borrower and the tenure of the loan. 

    Whether a lender will loan out, it often will depend upon the borrower’s income, the current monthly instalments the borrower is already paying, the company where the borrower is working and his or her profile and the credit history.

    You can loan any amount if you wish to take out a secured loan. However, there are specific conditions for unsecured loans such as the following:

    • For less than $20,000 annual income, you can borrow up to $3,000.
    • For $20,000 – $29,999 annual income, you can borrow up to 2 months’ worth of your income.
    • For $30,000 – 119,999, you can borrow up to 4 months’ worth of income.
    • For $120,000 (or higher) annual income, you can borrow any amount you need.

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