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POST https://loanstreet.com.sg/form/

<form action="https://loanstreet.com.sg/form/" method="POST">
  <div class="grid md:grid-cols-12 gap-6 md:gap-8" x-data="CalcApp">
    <div class="md:col-span-4">
      <div class="bg-zinc-100 rounded p-4 md:p-6 space-y-4">
        <div> <label for="amount" class="block text-sm text-dark-200"> Loan Amount: </label>
          <div class="mt-1 flex rounded-md shadow-sm"> <span class="inline-flex items-center rounded-l-md border border-r-0 border-gray-300 bg-gray-50 px-3 text-gray-500 sm:text-sm"> $ </span> <input type="text" id="amount" name="calc_amount"
              class="block w-full min-w-0 flex-1 rounded-none rounded-r-md border-gray-300 focus:border-secondary focus:ring-secondary sm:text-sm h-12" :value="amount" x-model="amount" @input="calc"></div>
        </div>
        <div> <label for="interest" class="block text-sm text-dark-200"> Monthly Interest </label>
          <div class="mt-1 flex rounded-md shadow-sm"> <span class="inline-flex items-center rounded-l-md border border-r-0 border-gray-300 bg-gray-50 px-3 text-gray-500 sm:text-sm"> % </span> <input type="text" id="interest" name="interest"
              class="block w-full min-w-0 flex-1 rounded-none rounded-r-md border-gray-300 focus:border-secondary focus:ring-secondary sm:text-sm h-12" :value="interest" x-model="interest" @input="calc"></div>
        </div>
        <div> <label for="tenure" class="block text-sm text-dark-200"> Loan Tenure </label> <select id="tenure" name="tenure"
            class="mt-1 block w-full rounded-md border-gray-300 py-2 pl-3 pr-10 text-base focus:border-secondary focus:outline-none focus:ring-secondary sm:text-sm h-12" x-model="months" @change="calc">
            <option value="3">3 Months</option>
            <option value="6">6 Months</option>
            <option value="9">9 Months</option>
            <option value="12">12 Months</option>
            <option value="15">15 Months</option>
            <option value="18">18 Months</option>
            <option value="21">21 Months</option>
            <option value="24">24 Months</option>
            <option value="27">27 Months</option>
            <option value="30">30 Months</option>
            <option value="33">33 Months</option>
            <option value="36">36 Months</option>
          </select></div>
      </div>
    </div>
    <div class="md:col-span-8">
      <div class="space-y-4">
        <div class="flex justify-between items-center">
          <p>Monthly Payment</p>
          <p class="text-xl font-semibold"> $ <span x-text="emiCalc">1,176.84</span></p>
        </div>
        <div class="flex justify-between items-center">
          <p>Total Interest</p>
          <p class="text-xl font-semibold text-primary"> $ <span x-text="tInt">3,244.16</span></p>
        </div>
      </div>
      <div class="my-10 h-px bg-gray-200"></div>
      <div class="space-y-4">
        <div class="flex justify-between items-center">
          <p class="font-semibold text-dark-200">Total Payment</p>
          <p class="text-4xl font-semibold text-primary"> $ <span x-text="tPay">28,244.16</span></p>
        </div> <input type="hidden" name="calc_page" value="calc_page">
        <div class="flex justify-center"> <button class="btn" type="submit">Find Your Best Terms</button></div>
        <div class="flex justify-center">
          <p class="text-xs text-center mt-8 italic">* The minimum period for repayment is 1 month and the maximum period for repayment is 36 months (3 years).</p>
        </div>
      </div>
    </div>
  </div>
</form>

<form class="xoo-el-action-form xoo-el-form-login">
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      <div class="xoo-aff-pw-toggle"> <span class="xoo-aff-pwtog-show"><i class="far fa-eye"></i></span> <span class="xoo-aff-pwtog-hide"><i class="far fa-eye-slash"></i></span></div>
    </div>
  </div>
  <div class="xoo-aff-group xoo-el-login-btm-fields"> <label class="xoo-el-form-label"> <input type="checkbox" name="xoo-el-rememberme" value="forever"> <span>Remember me</span> </label>
    <a class="xoo-el-lostpw-tgr" rel="nofollow" href="#">Forgot Password?</a></div> <input type="hidden" name="_xoo_el_form" value="login"> <button type="submit" class="button btn xoo-el-action-btn xoo-el-login-btn">Sign in</button> <input
    type="hidden" name="xoo_el_redirect" value="/loans/personal-loan/">
</form>

<form class="xoo-el-action-form xoo-el-form-register">
  <div class="xoo-aff-group xoo-aff-cont-email one xoo-aff-cont-required xoo_el_reg_email_cont">
    <div class="xoo-aff-input-group"><span class="xoo-aff-input-icon fas fa-at"></span><input type="email" class="xoo-aff-required xoo-aff-email" name="xoo_el_reg_email" placeholder="Email" value="" autocomplete="email" required="	"></div>
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  <div class="xoo-aff-group xoo-aff-cont-password one xoo-aff-cont-required xoo_el_reg_pass_again_cont">
    <div class="xoo-aff-input-group"><span class="xoo-aff-input-icon fas fa-key"></span><input type="password" class="xoo-aff-required xoo-aff-password" name="xoo_el_reg_pass_again" placeholder="Confirm Password" value="" autocomplete="new-password"
        required="	">
      <div class="xoo-aff-pw-toggle"> <span class="xoo-aff-pwtog-show"><i class="far fa-eye"></i></span> <span class="xoo-aff-pwtog-hide"><i class="far fa-eye-slash"></i></span></div>
    </div>
  </div>
  <div class="xoo-aff-group xoo-aff-cont-checkbox_single one xoo-aff-cont-required xoo_el_reg_terms_cont">
    <div class="xoo-aff-required xoo-aff-checkbox_single"><label><input type="checkbox" name="xoo_el_reg_terms" class="xoo-aff-required xoo-aff-checkbox_single" value="yes">I accept the
        <a href="privacy-policy" target="_blank"> Terms of Service and Privacy Policy </a></label></div>
  </div> <input type="hidden" name="_xoo_el_form" value="register"> <button type="submit" class="button btn xoo-el-action-btn xoo-el-register-btn">Sign Up</button> <input type="hidden" name="xoo_el_redirect" value="/loans/personal-loan/">
</form>

<form class="xoo-el-action-form xoo-el-form-lostpw"> <span class="xoo-el-form-txt">Lost your password? Please enter your username or email address. You will receive a link to create a new password via email.</span>
  <div class="xoo-aff-group xoo-aff-cont-text one xoo-aff-cont-required user_login_cont">
    <div class="xoo-aff-input-group"><span class="xoo-aff-input-icon fas fa-user-plus"></span><input type="text" class="xoo-aff-required xoo-aff-text" name="user_login" placeholder="Username / Email" value="" required="	"></div>
  </div> <input type="hidden" name="_xoo_el_form" value="lostPassword"> <input type="hidden" name="_wp_http_referer" value="/loans/personal-loan/"> <button type="submit" class="button btn xoo-el-action-btn xoo-el-lostpw-btn">Email Reset Link</button>
</form>

Text Content

 * Loans
   * 
   * Personal Loans
 * Tools & Resources
   * 
   * Personal Loan Calculator
 * About
 * Blog
 * Quick Apply

 

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 * Loans
   * 
   * 
     Personal Loans
 * Tools & Resources
   * 
   * 
     Personal Loan Calculator
 * About
 * Blog
 * Quick Apply

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PERSONAL LOANS

Get cash for a medley of needs – as quickly as you need it.

You never know what life will bring your way, so you might be caught off guard
when an emergency crops up. You can use the money for anything and you won’t
need to pledge collateral. Win.

Get Your Personalised Offers
It's fast & free!

How Does Loanstreet Get Paid?

We share information about you with other financial companies with whom we
engage in joint marketing efforts, or who offer financial related products or
services that you may be interested in.

Privacy Policy | About Loanstreet


BEST PERSONAL LOANS IN MARCH 2024

* About The Interest Rates Shown

The rates provided to you are customised based on a loan amount of S$10,000, and
might differ from what is displayed here if your desired loan amount is
different.

Interest Rate* Minimum Annual Income Maximum Loan Tenure Processing Fee HSBC
Personal Loan 3.2% (EIR: 6%) S$30,000 7 Years S$0 UOB Personal Loan 3.4% (EIR:
6.42%) S$30,000 5 Years S$0 Standard Chartered CashOne 3.48% (EIR: 7.99%)
S$20,000 5 Years S$0 DBS Personal Loan 3.88% (EIR: 7.9%) S$30,000 5 Years S$100
POSB Personal Loan 3.88% (EIR: 7.9%) S$30,000 5 Years S$100 OCBC ExtraCash Loan
5.43% (EIR: 11.47%) S$30,000 5 Years S$100 Maybank CreditAble Term Loan 5.86%
(EIR: 12%) S$30,000 5 Years S$300 BOC $martLoan 6.52% (EIR: 14.69%) S$30,000 7
Years S$300

The tables and data presented are meant for illustrative purpose only. While we
strive to keep our information accurate and updated, our partners, service
providers, and third-party sites may compute the data differently. As such, we
cannot guarantee its absolute accuracy at all times. You may receive loan offers
from other financial institutions, including licensed moneylenders which
interest is based on the calculator below. Unless otherwise stated, the views we
express are of our own and the result of unbiased analysis, curation, and
research.

View Free Offers




WHAT IS A PERSONAL LOAN?

A personal loan can be used for a range of different purposes, from home
renovations to covering medical bills or wedding expenses. They can also be used
to consolidate existing debts into one monthly payment, helping you manage your
finances more efficiently.

Personal loans also help build your credit score if payments are made on time,
making them a great option for anyone who needs access to finance but wants to
improve their credit rating at the same time.

In this guide:

 * What can a personal loan be used for?
 * Pros and cons of a personal loan
 * 5 things to do before taking out a personal loan
 * What do I need to qualify for a personal loan?
 * How to choose the best personal loan
 * What should I keep in mind when applying for a personal loan?


PERSONAL LOAN CALCULATOR

Loan Amount:
$
Monthly Interest
%
Loan Tenure 3 Months6 Months9 Months12 Months15 Months18 Months21 Months24
Months27 Months30 Months33 Months36 Months

Monthly Payment

$ 1,176.84

Total Interest

$ 3,244.16



Total Payment

$ 28,244.16

Find Your Best Terms

* The minimum period for repayment is 1 month and the maximum period for
repayment is 36 months (3 years).


PROS AND CONS OF A PERSONAL LOAN

Personal loans can be an effective way to supplement financial needs, especially
when other sources are not available. However, it is important to consider both
the pros and cons of obtaining a personal loan before making a commitment.

 * Personal loans offer flexible repayment terms and a fixed interest rate. This
   allows you to budget for your repayments without worry.
 * A personal loan can help you consolidate debt, make a large purchase, or
   cover an emergency expense.
 * Personal loans are not secured by collateral, so if you default on the loan,
   the lender can't take your home or car like they could with a secured loan.

 * Personal loans comes with relatively high interest rates, so it’s important
   to understand the terms carefully.
 * If you have a low credit score, you may not be able to qualify for a personal
   loan or get a good interest rate.
 * If you miss an installment payment or make a late payment on your loan, you
   are subjected to additional fees and charges.


WHAT CAN A PERSONAL LOAN BE USED FOR?

Whether it's for a personal project, a big purchase or just to make ends meet,
personal loans can be used for a wide range of things.

Some uses for personal loans include paying for utility bills, rent, holidays,
emergency medical expenses, home renovations or wedding banquets. With so many
potential uses, personal loans are a great way to get the financial assistance
you need when you need it most.

When you are in need of additional funds quickly and with limited hassle, the
option of a personal loan could be the best choice to fit your needs while you
strive to meet elevated dream goals.




5 THINGS TO DO BEFORE TAKING OUT A PERSONAL LOAN

 1. Make sure that you really do need a personal loan and can afford to repay
    it.
 2. Do your research about how it works.
 3. Compare interest rates, repayment terms, fees and charges offered by
    different lenders.
 4. Understand the repayment terms.
 5. Ensure that you can afford to make the monthly payments on time.

See personal loan offers just for you


WHAT SHOULD I KEEP IN MIND WHEN APPLYING FOR A PERSONAL LOAN?

1. CONSIDER ALL POTENTIAL IMPLICATIONS, AND BE CERTAIN THAT YOU CAN AFFORD THE
MONTHLY PAYMENTS

Take time to consider the interest rate, the amount of the loan, and whether
repayment terms are achievable. Ensure that you can meet any loan payments
before taking out a loan. Likewise, understand if any extra charges will be
applied such as late payment fees or prepayment penalties. Be aware of your
credit score and take steps to improve it before applying if need be.

2. ENSURE THAT YOU CAN FULLY UNDERSTAND THE SPECIFIC TERMS OF THE LOAN AGREEMENT

It's essential to consider how much you are able to repay on a monthly basis,
both in terms of the amount, length of loan period and other repaying criteria.
Taking time to do your research and double-check everything carefully should
result in making sure that the loan is a good fit for your current situation.

3. RESEARCH DIFFERENT LENDERS AND COMPARE THEIR RATES AND BORROWING LIMITS

Make sure to look into the terms and customer service levels of each so you can
find one that best meets your needs. It is also wise to select a lender with
excellent customer service and clear terms so you can access help should any
concerns arise. Furthermore, remember to consider any additional fees or charges
associated with the loan, such as the origination fee and late payment
penalties, to ensure that you pick the right option. Finally, always read all
documents thoroughly before signing.


HOW TO CHOOSE THE BEST PERSONAL LOAN

Choosing the best personal loan is an important decision, as it will determine
how much you pay in interest and fees over the life of your loan. To make sure
you get the best deal possible, here are some steps you should take when
selecting a personal loan.

Rates: Start by researching potential lenders to find out who offers the most
competitive rates, terms, and benefits for what you need. Compare their interest
rates and fees to make sure you're getting a good deal. Consider licensed
moneylenders as well - they offer great deals with reasonable interest rates.

Costs: Figure out what total cost of borrowing means for your individual
situation so that you can compare different loans on an even playing field.
Total cost includes all fees charged by a lender such as origination fees,
prepayment penalties, late payment charges, etc., as well as interest rate risk
premium (as opposed to advertised APR).

Repayment: The length of repayment period directly affects how much creditors
charge in total costs because longer periods mean more months where borrowers
will be paying compound interest accruing on the unpaid balance each month—which
adds up rather quickly. Be realistic about what type of payment schedule makes
sense for your financial situation so that monthly payments won’t be too hard on
budgeting goals (or too easy allowing debt balances never go down) .

Reviews: Ask family or friends if anyone has recently taken out a personal loan,
online forums and review websites. Check ratings mention customer experiences.
Do thorough research until you are satisfied with the results. These platforms
contain valuable information gathered from people who already had experienced
taking such loans and would be able to give you sound advice.


FREQUENTLY ASKED QUESTIONS

Should I get a personal loan with a fixed or variable interest rate?
When making the decision of what type of personal loan to get, there are a few
items to consider, such as the anticipated length of loan and future budgeting
goals. A personal loan with a fixed interest rate gives you the security and
peace of mind in knowing that your payments will remain constant throughout the
life of the loan.

Variable interest rates, on the other hand, may allow you greater flexibility
depending on certain market conditions but can also increase unpredictably over
time - meaning that you could end up paying much more than originally expected
in total. That's why it's important to understand your personal finances so you
can make an informed decision that best fits your individual needs.
Can I get a loan with bad credit or no credit?
Just because your credit score isn't the envy of monetary professionals doesn't
mean you can't gain access to a loan. With loan services now available that
doesn't look at your credit score, you can say goodbye to time-consuming
applications and long waits for approval, so there are definitely still several
options out there for those with a less than stellar credit report.
What do I need in order to qualify for a personal loan?
To a bank, your credit score is an important factor. To increase your chances of
being approved, you will need a good credit score that comes close to 2,000.
Other factors that affect your eligibility for a personal loan include:
 * Annual income
 * Debt-to-income ratio
 * Employment status

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Loanstreet® is a marketing lead generator owned by Starstruck Marketing Pte.
Ltd. UEN No. 201821068H. Loanstreet® (name and its logo) is a registered
trademark under the Laws of Singapore. All rights reserved. This website is
directed at, and made available to, persons living and working in Singapore
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