{"id":1934,"date":"2020-12-10T09:13:25","date_gmt":"2020-12-10T09:13:25","guid":{"rendered":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/?page_id=1934"},"modified":"2026-08-19T11:17:24","modified_gmt":"2026-08-19T11:17:24","slug":"personal-loan-old","status":"publish","type":"page","link":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/personal-loan-old\/","title":{"rendered":"Best Personal Loan in Singapore 2020 Old"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[mk_page_section padding_top=&#8221;0&#8243; padding_bottom=&#8221;0&#8243; sidebar=&#8221;sidebar-1&#8243;][vc_column][vc_row_inner][vc_column_inner][vc_column_text align=&#8221;center&#8221; el_class=&#8221;xl-top-section&#8221;]\n<h1 class=\"xl-main-heading\"><strong>Looking for a Personal Loan? You&#8217;ve landed at the right place<\/strong><\/h1>\n<p><span class=\"xl-sub-heading\" style=\"font-weight: 400;\">Get the best personal loan by talking to our personal loan experts.<\/span>[\/vc_column_text][vc_column_text align=&#8221;center&#8221; el_class=&#8221;xl-top-section&#8221; css=&#8221;.vc_custom_1778479693629{margin-bottom: 0px !important;}&#8221;]\n<div class=\"vc_btn3-container xl-free-consultant-btn xl-first-free-consultant-btn vc_btn3-center\"><a class=\"vc_general vc_btn3 vc_btn3-size-lg vc_btn3-shape-rounded vc_btn3-style-modern vc_btn3-color-warning source-btn\" href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/book-free-consultation\/\" data-source-page=\"Personal Loan\">Enquire Now For Lowest Rates<\/a><\/div>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][mk_padding_divider size=&#8221;47&#8243;][\/vc_column][\/mk_page_section][mk_page_section bg_color=&#8221;#ffe8e8&#8243; top_shape_style=&#8221;jagged-rounded-top&#8221; top_shape_color=&#8221;#ffffff&#8221; top_shape_bg_color=&#8221;#ffe8e8&#8243; has_bottom_shape_divider=&#8221;true&#8221; bottom_shape_style=&#8221;jagged-rounded-bottom&#8221; bottom_shape_color=&#8221;#ffffff&#8221; bottom_shape_bg_color=&#8221;#ffe8e8&#8243; el_class=&#8221;font-size-sm page-section-bt-15&#8243; sidebar=&#8221;sidebar-1&#8243;][vc_column][vc_empty_space height=&#8221;60px&#8221; el_class=&#8221;sm-mt-space-15&#8243;][mk_fancy_title tag_name=&#8221;h5&#8243; color=&#8221;#0a0a0a&#8221; size=&#8221;70&#8243; font_weight=&#8221;500&#8243; font_style=&#8221;normal&#8221; font_family=&#8221;Montserrat&#8221; font_type=&#8221;google&#8221; align=&#8221;center&#8221;]\n<h3 style=\"font-size: 55px;\">HOW MUCH CAN I BORROW?<\/h3>\n[\/mk_fancy_title][vc_empty_space height=&#8221;24px&#8221; el_class=&#8221;sm-mt-space&#8221;][vc_row_inner css=&#8221;.vc_custom_1513325872514{margin-right: 100px !important;margin-left: 100px !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column_inner width=&#8221;5\/12&#8243;][vc_column_text]\n<h3 style=\"text-align: center;\">Borrow Up To<\/h3>\n[\/vc_column_text][mk_fancy_title color=&#8221;#88d482&#8243; size=&#8221;160&#8243; force_font_size=&#8221;true&#8221; size_smallscreen=&#8221;90&#8243; size_tablet=&#8221;90&#8243; size_phone=&#8221;50&#8243; font_weight=&#8221;bold&#8221; font_style=&#8221;normal&#8221; margin_bottom=&#8221;0&#8243; font_family=&#8221;Montserrat&#8221; font_type=&#8221;google&#8221; align=&#8221;center&#8221;]4x[\/mk_fancy_title][vc_column_text]\n<h3 style=\"text-align: center;\">Your Monthly Salary<\/h3>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;7\/12&#8243;][vc_column_text]\n<h3 style=\"text-align: center;\">Credit Of<\/h3>\n[\/vc_column_text][mk_fancy_title color=&#8221;#88d482&#8243; size=&#8221;60&#8243; force_font_size=&#8221;true&#8221; size_smallscreen=&#8221;90&#8243; size_tablet=&#8221;90&#8243; size_phone=&#8221;50&#8243; font_weight=&#8221;bold&#8221; font_style=&#8221;normal&#8221; margin_bottom=&#8221;0&#8243; font_family=&#8221;Montserrat&#8221; font_type=&#8221;google&#8221; align=&#8221;center&#8221;]$199[\/mk_fancy_title][vc_column_text]\n<h3 style=\"text-align: center;\">And Up To<\/h3>\n[\/vc_column_text][mk_fancy_title color=&#8221;#88d482&#8243; size=&#8221;65&#8243; force_font_size=&#8221;true&#8221; size_smallscreen=&#8221;90&#8243; size_tablet=&#8221;90&#8243; size_phone=&#8221;50&#8243; font_weight=&#8221;bold&#8221; font_style=&#8221;normal&#8221; margin_bottom=&#8221;0&#8243; font_family=&#8221;Montserrat&#8221; font_type=&#8221;google&#8221; align=&#8221;center&#8221;]$1,088[\/mk_fancy_title][vc_column_text]\n<h3 style=\"text-align: center;\">Cashback<\/h3>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=&#8221;24px&#8221;][vc_column_text css=&#8221;.vc_custom_1778480189118{margin-bottom: 0px !important;}&#8221;]\n<div class=\"vc_btn3-container xl-free-consultant-btn xl-first-free-consultant-btn vc_btn3-center\"><a class=\"vc_general vc_btn3 vc_btn3-size-lg vc_btn3-shape-rounded vc_btn3-style-modern vc_btn3-color-warning source-btn\" href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/book-free-consultation\/\" data-source-page=\"Personal Loan\">Enquire Now For Lowest Rates<\/a><\/div>\n<p>&nbsp;<\/p>\n[\/vc_column_text][\/vc_column][\/mk_page_section][mk_page_section el_class=&#8221;el-personal&#8211;loan&#8221; sidebar=&#8221;sidebar-1&#8243;][vc_column][vc_row_inner][vc_column_inner][vc_column_text align=&#8221;center&#8221; el_class=&#8221;_above-ul-container&#8221; css=&#8221;.vc_custom_1741269100035{margin-bottom: 0px !important;}&#8221;]\n<h2 class=\"xl-heading\" style=\"text-align: left;\">Are you eligible for a personal loan in Singapore?<\/h2>\n[\/vc_column_text][vc_column_text el_class=&#8221;xl-ul-container&#8221; css=&#8221;.vc_custom_1741268625362{margin-bottom: 0px !important;}&#8221;]\n<h3 class=\"xl-sub-heading\" style=\"font-weight: 400;\">Here is what you need<\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You must be between 21 and 65 years<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">If you&#8217;re a Singapore citizen, your minimum annual income should be $20,000. If you&#8217;re a foreigner, your minimum annual income should be $40,000<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Foreigners must be holders of P1, P2 or Q type Singapore Employment Passes Q Pass holders must have minimum 1-year validity remaining on their passes<\/span><\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/mk_page_section][mk_page_section el_class=&#8221;xl-blue-backgroud-container&#8221; sidebar=&#8221;sidebar-1&#8243;][vc_column][vc_column_text align=&#8221;center&#8221;]\n<h2 class=\"xl-heading\">Personal Loan Interest Rate Types<\/h2>\n<p><span class=\"xl-sub-heading\">In Singapore, banks often depict interest rate types for personal loans. What does these multiple interest rates mean?<\/span>[\/vc_column_text][vc_empty_space height=&#8221;15px&#8221;][vc_row_inner el_class=&#8221;xl-second-card-container&#8221;][vc_column_inner el_class=&#8221;_card&#8221; width=&#8221;1\/3&#8243;][vc_column_text align=&#8221;center&#8221;]\n<h3 class=\"_card-heading\">Advertised Interest Rate<\/h3>\n<p><span class=\"_card-desc\" style=\"font-weight: 400;\">Advertised Interest Rate for personal loan is the annual interest rate. For example, if a bank&#8217;s personal loan has an advertised interest rate of 3.88% p.a, it doesn&#8217;t show you the complete picture like admin fee and processing fee which may cost you significantly.<\/span>[\/vc_column_text][\/vc_column_inner][vc_column_inner el_class=&#8221;_card&#8221; width=&#8221;1\/3&#8243;][vc_column_text align=&#8221;center&#8221;]\n<h3 class=\"_card-heading\">Effective Interest Rate (EIR)<\/h3>\n<p><span class=\"_card-desc\">In Singapore, it&#8217;s mandatory to show the effective interest rate, or EIR, next to the advertised rate. This takes into account processing and other fees, as well as the details of your repayment schedule. In short, EIR shows you the &#8220;true&#8221; interest rate of the personal loan.<\/span>[\/vc_column_text][\/vc_column_inner][vc_column_inner el_class=&#8221;_card&#8221; width=&#8221;1\/3&#8243;][vc_column_text align=&#8221;center&#8221;]\n<h3 class=\"_card-heading\">0% Interest Personal Loans<\/h3>\n<p><span class=\"_card-desc\">Sounds crazy right? However, time-to-time some banks in Singapore offer 0% interest rates on personal loans as promotion offers. But there&#8217;s a catch. The processing fee on these loans are extremely high and are charged when the loan is approved.<\/span>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/mk_page_section][mk_page_section sidebar=&#8221;sidebar-1&#8243;][vc_column][vc_row_inner el_class=&#8221;client-logo-wrap bank-client-logo-wrap&#8221;][vc_column_inner][mk_fancy_title margin_bottom=&#8221;0&#8243; font_family=&#8221;none&#8221; align=&#8221;center&#8221;]\n<h2 class=\"xl-heading _bank-logo-heading\">We have helped over 3,524 Singaporeans choose the best personal loan option<\/h2>\n<p><span class=\"xl-first-img-container xl-img-container\"><img decoding=\"async\" class=\"alignnone wp-image-3285 size-medium\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/wp-content\/uploads\/2024\/06\/Citibank.png\" alt=\"Citibank Logo\" width=\"300\" height=\"92\" \/><img decoding=\"async\" class=\"alignnone size-full wp-image-3286\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/wp-content\/uploads\/2024\/06\/dbs.svg\" alt=\"DBS Logo\" width=\"264\" height=\"96\" \/><img decoding=\"async\" class=\"alignnone size-full wp-image-5412\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/wp-content\/uploads\/2023\/02\/image_2023_02_15t01_07_38_828z.png\" alt=\"\" width=\"185\" height=\"98\" \/><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/wp-content\/uploads\/2026\/04\/logo_of_posb_singapore.svg_.png\" alt=\"POSB logo\" width=\"100\" height=\"38\" \/><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-3288\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/wp-content\/uploads\/2022\/12\/maybank-logo-png-transparent.png\" alt=\"MB Logo\" width=\"300\" height=\"135\" \/><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-3289\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/wp-content\/uploads\/2022\/09\/68b6b996b274f439613424a681b5e05d-300x118.png\" alt=\"Standard Chartered Logo\" width=\"300\" height=\"118\" srcset=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/wp-content\/uploads\/2022\/09\/68b6b996b274f439613424a681b5e05d-300x118.png 300w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/wp-content\/uploads\/2022\/09\/68b6b996b274f439613424a681b5e05d-1024x401.png 1024w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/wp-content\/uploads\/2022\/09\/68b6b996b274f439613424a681b5e05d-768x301.png 768w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/wp-content\/uploads\/2022\/09\/68b6b996b274f439613424a681b5e05d-330x129.png 330w, 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https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/wp-content\/uploads\/2022\/09\/1200px-rhb_logo.svg_-768x277.png 768w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/wp-content\/uploads\/2022\/09\/1200px-rhb_logo.svg_-330x119.png 330w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/wp-content\/uploads\/2022\/09\/1200px-rhb_logo.svg_-736x266.png 736w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/wp-content\/uploads\/2022\/09\/1200px-rhb_logo.svg_-414x149.png 414w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/wp-content\/uploads\/2022\/09\/1200px-rhb_logo.svg_.png 1200w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/span><span class=\"xl-second-img-container xl-img-container\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/wp-content\/uploads\/2026\/04\/sbi-logo-scaled.jpg\" alt=\"SBI logo\" width=\"100\" height=\"38\" \/><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/wp-content\/uploads\/2026\/04\/icbc_argentina.png\" alt=\"ICBC logo\" width=\"100\" height=\"38\" \/><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/wp-content\/uploads\/2026\/04\/hinduja-leyland-finance-logo.0cdf58fd.jpeg\" alt=\"HLF logo\" width=\"100\" height=\"38\" \/><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/wp-content\/uploads\/2026\/04\/sip-.png\" alt=\"SIF logo\" width=\"100\" height=\"38\" \/><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/wp-content\/uploads\/2026\/04\/sf.png\" alt=\"SF logo\" width=\"100\" height=\"38\" \/><\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n[\/mk_fancy_title][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=&#8221;60px&#8221; el_class=&#8221;sm-mt-space&#8221;][vc_row_inner][vc_column_inner][vc_column_text align=&#8221;center&#8221;]\n<h2 class=\"xl-heading\">Ready to make the best financial decision for your home loan?<\/h2>\n[\/vc_column_text][vc_empty_space height=&#8221;20px&#8221; el_class=&#8221;sm-mt-space&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/mk_page_section][vc_row][vc_column][vc_column_text css=&#8221;.vc_custom_1778480238913{margin-bottom: 0px !important;}&#8221;]\n<div class=\"vc_btn3-container xl-free-consultant-btn xl-first-free-consultant-btn vc_btn3-center\"><a class=\"vc_general vc_btn3 vc_btn3-size-lg vc_btn3-shape-rounded vc_btn3-style-modern vc_btn3-color-warning source-btn\" href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/book-free-consultation\/\" data-source-page=\"Personal Loan\">Enquire Now For Lowest Rates<\/a><\/div>\n<p>&nbsp;<\/p>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row id=&#8221;inquiry-loan&#8221;][vc_column][vc_row_inner el_class=&#8221;xl-cards-blocks&#8221;][\/vc_row_inner][vc_column_text css=&#8221;.vc_custom_1779961144913{margin-bottom: 0px !important;}&#8221;]\n<h2 class=\"_card-header\" style=\"text-align: center;\"><\/h2>\n<h3 style=\"text-align: center;\">Get A Free Mortgage Review<\/h3>\n<p style=\"text-align: center;\"><span class=\"_card-desc\" style=\"font-weight: 400; color: #000;\">Compare rates, loan structures and financing options across multiple banks.<\/span><\/p>\n<p>\u00a0[\/vc_column_text][vc_raw_html css=&#8221;&#8221;]JTVCY29udGFjdC1mb3JtLTclMjBpZCUzRCUyMjYxZmUyODAlMjIlMjB0aXRsZSUzRCUyMklucXVpcnklMjBGb3JtJTIwTmV3JTIyJTVE[\/vc_raw_html][\/vc_column][\/vc_row]\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[mk_page_section padding_top=&#8221;0&#8243; padding_bottom=&#8221;0&#8243; sidebar=&#8221;sidebar-1&#8243;][vc_column][vc_row_inner][vc_column_inner][vc_column_text align=&#8221;center&#8221; el_class=&#8221;xl-top-section&#8221;] Looking for a Personal Loan? You&#8217;ve landed at the right place Get the best personal loan by talking to our personal loan experts.[\/vc_column_text][vc_column_text align=&#8221;center&#8221; el_class=&#8221;xl-top-section&#8221; css=&#8221;.vc_custom_1778479693629{margin-bottom: 0px !important;}&#8221;] Enquire Now For Lowest Rates [\/vc_column_text][\/vc_column_inner][\/vc_row_inner][mk_padding_divider size=&#8221;47&#8243;][\/vc_column][\/mk_page_section][mk_page_section bg_color=&#8221;#ffe8e8&#8243; top_shape_style=&#8221;jagged-rounded-top&#8221; top_shape_color=&#8221;#ffffff&#8221; top_shape_bg_color=&#8221;#ffe8e8&#8243; has_bottom_shape_divider=&#8221;true&#8221; bottom_shape_style=&#8221;jagged-rounded-bottom&#8221; bottom_shape_color=&#8221;#ffffff&#8221; bottom_shape_bg_color=&#8221;#ffe8e8&#8243; el_class=&#8221;font-size-sm page-section-bt-15&#8243; sidebar=&#8221;sidebar-1&#8243;][vc_column][vc_empty_space height=&#8221;60px&#8221; el_class=&#8221;sm-mt-space-15&#8243;][mk_fancy_title tag_name=&#8221;h5&#8243;<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1934","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - 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