Loan options, clearly explained

A loan for what
matters to you.

Explore five ways we can help. Understand the requirements, consider your repayments and talk through your options with our team.

Licensed moneylenderHMS Credit · Since 2017Licence No. 91/2026
Everyday needs

Personal Loan

Support for everyday expenses and unexpected costs

Explore personal loan
Working in Singapore

Foreigner Loan

Financial support while you're working in Singapore

Explore foreigner loan
Life milestones

Wedding Loan

Plan wedding expenses around a considered budget

Explore wedding loan
Working capital

Business Loan

Working capital for small business owners

Explore business loan
Your next chapter

Education Loan

Invest in tuition, courses, and upskilling

Explore education loan
Plan ahead

What would repayment look like?

Explore monthly payments with our reducing-balance calculator.

Calculate repayments

Every application is assessed individually. Eligibility, loan amount and terms are subject to assessment and approval.

Know what comes next

A clear path from enquiry to decision.

  1. 01

    Tell us what you need

    Send a short enquiry with your contact details and the amount you have in mind.

  2. 02

    Talk through the details

    Our team will contact you and explain the documents needed for your assessment.

  3. 03

    Visit and review the terms

    Complete verification at our office. Understand the rate, fees and repayment schedule before signing.

Read common borrowing questions
A real place. A personal conversation.

Meet us at Sim Lim Square.

Speak with our team, ask your questions and understand the repayment terms before making a decision.

#01-08 Sim Lim Square
1 Rochor Canal Road, Singapore 188504

Monday–Saturday, 11am–7pm
Sundays by appointment · Closed on public holidays

The entrance to HMS Credit at unit 01-08, Sim Lim Square