Personal Loan

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Receive the best personal loans in Singapore, in no more than 10 minutes

Be it cash for your home’s new furniture, or an urgent car repair, Goldstar Credit Pte. Ltd. can provide the funding solutions you need. Our personal loans provide speedy cash conveniently, without limiting how you use it. 

At Goldstar Credit Pte. Ltd., we pride ourselves on having high approval rates on our personal loans, providing cash loans even to those with bad credit scores. With us, you can get your loan approved in 10 minutes or less, and you’ll also receive the cash on the same day. 

To take out a personal loan at Goldstar Credit Pte. Ltd., we do not ask for any collaterals or guarantors, unlike when you go to a pawn shop or bank.

As a result, our personal loans are ideal for pressing needs, such as home furnishings, replacement for a lost phone, or emergency travel arrangements.

Who’s eligible for a loan?

You need to be 18 years old or older and employed. Singapore citizens, Permanent Residents, or foreign workers (including domestic helpers) can apply. Individuals with a bad credit score are also welcome.

No paperwork hassle

Providing fast and convenient service is one of our top priorities, which means we want to reduce the paperwork for you. You only need to bring the following: 

Singapore citizens and Permanent Residents

Please provide your NRIC and payslips for the last three months. You’ll also need access to your SingPass account to verify your CPF statements and Notice of Assessment.

Foreign workers

Please provide your work pass (S-Pass, E-pass, work permit, or any other proof of employment) and passport. Bring along your payslips from the last three months and proof of address (this can be a Tenancy Agreement, previous month’s handphone bill, or any other proof of residence).

Significant loan amounts to meet your needs

Following licensed money lender regulations in Singapore, the maximum amount you can borrow varies based on your income:

Maximum loan amount

Amount you can borrow

Annual income of less than $20,000

Up to $3,000

Annual income is at least $20,000, but less than $30,000 

Up to two months of your income

Annual income is at least $30,000, but less than $120,000 

Up to four months of your income

Annual income is $120,000 or more 

Any amount

Easy loan repayments

As a licensed money lender in Singapore, we pride ourselves on providing friendly service and transparent costs, without any hidden charges. If you have any queries at any point of time, our loan officers will be there to address your concerns.

We provide flexible repayment schemes on a monthly, bi-weekly, or weekly instalment basis. Speak to our loan officers to understand the plans available to you.


Tips on using personal loans

To ensure that the personal loan you are about to take is suitable for your needs, consider the following steps:

Verify the amount that you need before applying for a personal loan. For example, if you are taking out a loan to furnish your new home, write down your expected expenditure first, rather than taking a wild guess. By borrowing the exact amount, you avoid the risk of borrowing too much and incurring more fees.

Our flexible repayment schemes let you choose one that best suits your cash flow and income. For instance, if your salary comes in weekly, you might find it easier to pay in weekly installments rather than monthly. As a guide, keep your monthly payment to no more than 30 per cent of your monthly income. Say, if you take home $1,200 every month, your monthly repayment should not exceed $360. If you’re unsure of which repayment scheme is best for you, don’t hesitate to consult our friendly loan officers.


In most circumstances, personal loans should be used only for important or urgent needs, like replacing a lost phone, or footing medical bills. Avoid taking personal loans unnecessarily or excessively for luxuries such as gaming consoles or vacations.

Never apply for a personal loan on behalf of a friend or relative. Remember, you are legally responsible for paying the loan, even if they fail to do so.