Singa Advisors

Personal Financing

Tailored credit optimisation and financing solutions based on your income, credit profile and individual eligibility.

CBS Repair & Optimisation

Improve your credit profile and unlock better financing opportunities.

How We May Assist

01

Obtain your first financing facility to establish a GX/CX credit profile.

02

Secure your first facility after fully settled defaults.

03

Improve your CBS rating from HH to AA, subject to your individual circumstances.

04

Consolidate high credit-card balances into affordable monthly repayments.

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Results are case-dependent. Credit-profile improvements and financing approvals depend on your repayment history, income, existing obligations and the respective financier’s assessment.

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MAS-Licensed Banks’ Personal Loan

Flexible unsecured financing based on your credit profile, income and applicable MAS Balance-to-Income guidelines.

BTI Eligibility

  • Annual Income S$20,000 – S$29,999

    • Up to 2× monthly income per bank
    • Up to 12× monthly income across all banks

  • Annual Income S$30,000 – S$119,999

    • Up to 4× monthly income per bank
    • Up to 12× monthly income across all banks

  • Annual Income Above S$120,000

    • Up to 16× monthly income per bank

Loan Highlights

  • Maximum Limit
    Subject to Income
  • Interest Rate
    2.65% – 5.88% p.a.
  • Loan Tenure
    Up to 60 Months
  • Processing Time
    1–3 Working Days
  • Average Approval
    S$20,000 – S$550,000
✓

No borrowing limitation across multiple banks. We compare multiple banks to help you identify competitive rates while keeping your BTI and TDSR healthy.

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Licensed Moneylender Loans

Need funds urgently? Our network of licensed moneylenders provides fast approvals, competitive rates and flexible repayment plans.

Loan Highlights

  • Maximum Limit
    Up to 6× Monthly Income
    Maximum S$30,000 per lender
  • Interest Rate
    3.92% – 4.00% per month
  • Loan Tenure
    Up to 12 Months
  • Processing Time
    Same-Day Disbursement
  • Average Approval
    S$5,000 – S$20,000
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Approval amount, interest rate, repayment period and disbursement timing remain subject to eligibility and the respective lender’s assessment.

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MAS-Licensed Banks’ Renovation Loan

Renovate your home with attractive bank financing. We provide consultation, paperwork assistance and eligibility assessment before submission.

Loan Highlights

  • Maximum Limit
    Up to S$30,000 per Applicant
  • Interest Rate
    2.58% – 2.88% p.a.
  • Loan Tenure
    Up to 60 Months
  • Processing Time
    3–7 Working Days
  • Average Approval
    Around S$30,000
✓

We assist with consultation, preliminary eligibility assessment, document preparation and submission support.

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Hire Purchase Car Loan

Buying a vehicle from a direct owner or looking for lower upfront payment options? We assess your eligibility with banks and in-house finance companies.

Bank Financing

  • Deposit
    40%
  • Interest Rate
    From 2.69% p.a.
  • Loan Tenure
    Subject to PARF Eligibility
  • Processing Time
    1–3 Working Days
  • Average Approval
    S$50,000 – S$400,000

In-House Financing

  • Deposit
    0% – 30%
  • Interest Rate
    3.20% – 4.80% p.a.
  • Loan Tenure
    Subject to PARF Eligibility
  • Processing Time
    1–2 Working Days
  • Average Approval
    S$15,000 – S$320,000
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Deposit requirements, interest rates, loan tenure, processing time and approval amounts remain subject to eligibility and the respective financier’s assessment.

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Financing, rates, limits, repayment periods and processing times are subject to eligibility, credit assessment and the respective financier’s terms and conditions. Information displayed is indicative and does not constitute guaranteed approval.