Foreigner Loan
Financial support while you're working in Singapore
Enquire about this loanWork Permit, S Pass, and E Pass holders can face financing gaps banks won't cover. We assess foreign employees on their actual ability to repay, not just their residency status.
What you get
- Open to Work Permit, S Pass and E Pass holders
- Simple documentation
- English-speaking staff to walk you through the process
What you’ll need
- Valid Work Permit, S Pass, or E Pass
- 21 years old and above
- Proof of employment in Singapore
These are starting requirements. Our team will confirm the documents needed for your individual assessment.
Discussing a loan while working in Singapore
When you enquire, tell our team which pass you hold and the expense you need to cover. Your pass validity, employment and income form part of the assessment. Holding a particular pass does not by itself mean a loan will be approved.
Prepare your identification and pass details, proof of employment and income, and information about your existing repayments. Our team will confirm the documents needed before your visit so you know what to bring.
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 FAQForeigner Loan questions
Can Work Permit, S Pass and Employment Pass holders enquire?
Yes. HMS Credit accepts enquiries from these pass holders. Each application is assessed individually; enquiry submission does not guarantee eligibility or approval.
Do I need to visit the office?
Yes. You can start with an online enquiry, but verification and completion take place at HMS Credit, #01-08 Sim Lim Square.
Can I use the manual form instead of Myinfo?
Yes. The manual enquiry form is available even if you do not use Myinfo. Our staff will explain the supporting documents needed for assessment.
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.