Education Loans

In Singapore, university is usually regarded as a stepping stone to a hopefully lucrative career. Whether you enrol in NUS, NTU, SMU, SIM, MDIS, PSB Academy or an overseas or foreign university, that piece of paper you graduate with at the end of your course is supposed to boost your earnings in some way.

However, to earn money, you first need to spend money. University education, whether in Singapore or overseas, is not cheap. In Singapore, parents typically send their children to these three countries for further education: The United States of America, the United Kingdom, and Australia. Even though parents are excited about the benefits an overseas education can bring for their children, the financial implications are often daunting.  Such education costs go well into the six figures, and few can afford this just from their pocket. This is why an overseas education loan can be a huge lifesaver. Your child gets the education you have always hoped to give them, and you can pay for that education slowly over time.

With HHL Credit, we believe the importance of education loans and want to ensure you or your child can pursue your choice of education with a peace of mind. We tailor your loan plan according to your needs.

Features of Loan

Borrow Loan Amounts up to : Up to $40,000 for Education Loans
Minimum Annual Percentage Rate : 24% per annum (2% per month)
Maximum Annual Percentage Rate : Up to 47% per annum on reducing interest rate (3.92% per month)
Minimum Period for Repayment : From 1 months (31 Days Onward)
Maximum Period for Repayment : Up to 12 months
No guarantor required
No collateral needed


In order to speed up the process and get your personal loan at the fastest time frame, we urge that you present these relevant documents to us :

  • Valid Passport / Valid work permit / Valid employment pass in Singapore
  • Any Proof of latest billing (To your residential address)
  • Latest payslip
  • Letter of Employment if any

Borrowers that are able to meet this requirement are eligible to take out a loan from us :

  • 21 years of age and above
  • Permanent resident or foreign worker with valid working permit
  • Under employment 

    *We reserve the right to ask for further documentation as and when needed on a case-by-case basis

​Our loan tenure is ranged from minimum 1 month (31 days onward) to maximum of 12 months and The Annual Percentage Rate (APR) of our Personal Loan is minimum 24% to maximum of 47% per annum for 1 years tenure.”]