• Mon - Sat : 10am to 7pm (Sun & Public holidays - Appointment Only)
  • 35 Selegie Road #10-27 Parklane Shopping Mall Singapore 188307
+65 6338 0690

Personal Loan

Personal Loans in Singapore: Your Financial Solution with Unilink Credit

Are you facing unexpected expenses or looking to consolidate your debts? A personal loan from Unilink Credit Ptd Ltd might be the financial solution you need. As a licensed moneylender in Singapore, we offer flexible and competitive personal loans tailored to meet your unique financial requirements.

Understanding Personal Loans

A personal loan is an unsecured loan that provides you with a lump sum of money, which you repay in fixed monthly installments over an agreed period. Unlike secured loans, personal loans don’t require collateral, making them an accessible option for many Singaporeans.

Why Choose Unilink Credit for Your Personal Loan?

Licensed and Trustworthy

Unilink Credit is a Ministry of Law-licensed moneylender, adhering strictly to Singapore's moneylending regulations. When you borrow from us, you can trust that you're dealing with a legitimate and ethical financial institution.

Competitive Interest Rates

We offer some of the most competitive interest rates in the market, ensuring that your loan remains affordable. Our transparent pricing policy means no hidden fees or charges.

Flexible Schemes

Whether you need a short-term loan or a longer repayment period, we can customize our loan terms to suit your financial situation.

Quick Approval Process

We understand that sometimes you need funds urgently. Our streamlined application process ensures quick approval and disbursement of funds, often within 24 hours.

Personalized Service

Our experienced loan officers are here to guide you through the loan process, offering personalized advice to help you make informed decisions.

Who Can Apply for a Personal Loan with Unilink Credit?

To be eligible for a personal loan with Unilink Credit, you must:

  • Be a Singaporean citizen or permanent resident
  • Be at least 21 years old
  • Have a minimum monthly income of $1,500 for Singaporeans and PRs
  • Provide proof of income and employment

Applying for a personal loan with Unilink Credit is simple and straightforward:

  1. Fill out our online application form or visit our office
  2. Submit the required documents (NRIC, proof of income, proof of residence)
  3. Wait for our loan officers to process your application
  4. If approved, review and sign the loan agreement
  5. Receive your funds

Required Documents

To process your loan application quickly, please prepare the following documents:

  • NRIC (front and back)
  • Proof of income (latest 3 months’ payslips or CPF contribution history)
  • Proof of residence (utility bill or tenancy agreement)
  • Bank statements (last 3 months)

To process your loan application quickly, please prepare the following documents:

  • NRIC (front and back)
  • Proof of income (latest 3 months’ payslips or CPF contribution history)
  • Proof of residence (utility bill or tenancy agreement)
  • Bank statements (last 3 months)

At Unilink Credit, we believe in responsible lending and borrowing. Before taking out a personal loan, it’s crucial to understand the costs involved:

  • Interest rates: Our rates are competitive and in line with regulatory caps set by the Ministry of Law
  • Administrative fees: A small fee may be charged for processing your loan
  • Late payment fees: These apply if you miss a repayment deadline

We encourage all borrowers to carefully consider their ability to repay before taking out a loan. Our loan officers can help you calculate your monthly repayments and ensure the loan fits within your budget.

We offer various repayment options to make it convenient for you:

  • GIRO: Set up automatic monthly deductions from your bank account
  • Bank transfer: Transfer your repayments directly to our account
  • Cash: Pay at our office during business hours
  1. Create a budget: Factor in your loan repayments when planning your monthly expenses
  2. Set up reminders: Avoid late payments by setting up reminders for your due dates
  3. Consider early repayment: If possible, repay your loan early to save on interest
  4. Communicate with us: If you face difficulties in repayment, reach out to us immediately for assistance
  1. Debt Consolidation: Combine multiple high-interest debts into a single, lower-interest loan
  2. Emergency Expenses: Cover unexpected costs without resorting to high-interest credit cards
  3. Major Purchases: Finance large purchases with potentially lower interest rates than credit cards
  4. Credit Building: Responsibly managing a personal loan can help improve your credit score

Protecting Your Interests: Singapore's Moneylending Regulations

As a licensed moneylender, Unilink Credit adheres strictly to Singapore’s moneylending laws, which protect borrowers:

  • Interest rate caps: We comply with the maximum interest rates set by law
  • Loan amount limits: We adhere to the borrowing limits based on your annual income
  • Transparent contracts: Our loan agreements are clear, with all terms and conditions explained

Choose Unilink Credit for Your Personal Loan Needs

When you need financial assistance, trust Unilink Credit to provide a personal loan solution that meets your needs. Our commitment to ethical lending practices, competitive rates, and excellent customer service makes us a top choice for personal loans in Singapore.

Ready to take the next step? Apply for a personal loan with Unilink Credit today. Visit our office or fill out our online application form to get started on your journey to financial stability.

Apply Now

We pride in being one of the most trusted Money Lender in Singapore, and we invite you to call us for any unique loan request in the city. Our business is duly licensed and the services we offer are all regulated by the Registry of Moneylenders.

Sitemap
Contact Us

Unilink Credit Pte. Ltd.

Copyright 2025 © Unilink Credit Pte Ltd. All Rights Reserved. Web design by MediaPlus Digital. License No: 142/2023

Quick Loan Application