Personal Loan
Support for everyday expenses and unexpected costs
Enquire about this loanFrom medical bills to a shortfall between paychecks, our personal loans are structured around what you can comfortably repay — not a one-size-fits-all package.
What you get
- Flexible repayment tenure
- Funds disbursed shortly after approval
- No collateral required
What you’ll need
- Singapore Citizen, PR, or eligible pass holder
- 21 years old and above
- Proof of income (payslip, CPF or NOA)
These are starting requirements. Our team will confirm the documents needed for your individual assessment.
Planning a personal loan around your monthly budget
Start with the expense you need to cover and the amount you can set aside each month after your regular commitments. A loan enquiry is an opportunity to discuss your circumstances with our team; it is not a commitment to borrow.
Bring details of your income and existing repayments to your assessment. Use our repayment calculator to compare amounts and tenures, then ask our staff to explain the actual repayment schedule and total amount payable before deciding.
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 FAQPersonal Loan questions
Can I enquire online before visiting HMS Credit?
Yes. Use the short enquiry form on this page, or choose Myinfo on our application page. Our staff will contact you about the next step. Identity verification and completion take place at our Sim Lim Square office.
Does the calculator show an approved loan offer?
No. It estimates repayments from the values you enter. Eligibility, amount, rate and repayment terms are confirmed through an individual assessment.
What should I prepare for my visit?
Have your identification, proof of income and information about your current financial commitments ready. Our team will confirm which documents are needed for your circumstances.
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.