Course fees, tuition, or a certification that pays off in your next job — an education loan covers costs that build your future, on repayment terms that match your study or work schedule.
What you get
- Covers tuition and course-related expenses
- Repayment terms that fit around your schedule
- Applies to full-time study or part-time upskilling
What you’ll need
- Singapore Citizen, PR, or eligible pass holder
- 21 years old and above
- Proof of income or a guarantor
These are starting requirements. Our team will confirm the documents needed for your individual assessment.
Plan course costs alongside your existing commitments
Have the course fee breakdown and payment dates ready when you enquire. Explain whether you are studying full time or taking a course alongside work, and what income will be available during the repayment period.
Include course-related expenses in your own budget and distinguish these from the amount you intend to request. An enquiry lets our team discuss the documents and assessment with you before you decide whether to proceed.
Before you decide
Our team will explain the rate, fees and repayment schedule before you sign. Verification and completion take place at our Sim Lim Square office. Sending an enquiry does not guarantee approval.
Read the borrowing FAQEducation Loan questions
Can I enquire for a part-time course?
Yes. You can enquire about tuition, certification or upskilling costs, including part-time study. Your circumstances and ability to repay are assessed individually.
What course information should I prepare?
Have the course details, fee breakdown and payment schedule ready, together with identification and income information. Our staff will confirm the documents needed for assessment.
Does sending an enquiry commit me to a loan?
No. It asks our team to contact you. Review any offered terms, fees and repayment schedule before deciding whether to sign an agreement.
Speak with us at Sim Lim Square
Visit HMS Credit at #01-08, 1 Rochor Canal Road, Singapore 188504. We are open Monday–Saturday, 11am–7pm; Sundays by appointment, closed on public holidays.
Contact details and directionsLearn more about HMS Credit, or start your application with Myinfo or the manual form.