Personal Loans

Personal loans are loans that are taken out when you are in need of cash to pay for unexpected expenses such as car repairs, hospitalisation fees, operations etc. Everyone is bound to stumble upon unpredicted obligations that they must take care of at times.

​HHL Credit values the personal discretion that everyone wants. Taking into consideration that the local banks would require a borrower to furnish a reason for the loan and supporting documents to validate that the loaned amount is indeed used to pay off the related expenses. We do not want to intrude our borrower’s privacy by asking what the money is being used for.

All personal loans from HHL Credit are unsecured, meaning they are no-collateral personal loans and don’t require you to put up your possessions to be approved for the loan. HHL Credit’s unsecured loans can be used for any form of personal expense.

We try to be flexible with our repayment schemes for our Personal Loans on a case-to-case basis so that we may be better able to cater to your repayment ability. Many a times, when we are in need of a loan, the banks do not make it easy for us to gain access to the stipulated amount needed. Frustrations and agony will surface as Personal Loans are only needed during emergency situations. But due to procedures and approval processes from banks, time is not on your side. Hence, factoring in the high interest rates provided by banks, it is ideally not possible to take out a loan for emergency purposes.

Features of Loan

Borrow Loan Amounts up to :                 Up to $50,000 for Personal Loans
*(Subjected to Loan limits set out in the Moneylender’s Act depending on each borrower’s situation)

Minimum Annual Percentage Rate :       24% per annum (2% per month)
Maximum Annual Percentage Rate :      Up to 47% per annum (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

Calculate Your (ESTIMATED) Loan Rate



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Calculator Disclaimer

The repayment amount shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual repayment amounts may vary. To find out actual repayment amounts, contact us. This calculation does not constitute a quote, loan approval, agreement or advice by My Finance. It does not take into account your personal or financial circumstances.

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:​

  • NRIC Identification Card
  • Any Proof of latest billing (To your residential address)
  • Latest 3 months of your payslip / Latest CPF Statement
  • 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
  • Singapore citizen, permanent resident or foreign worker with valid working permit
  • Presently employed

    *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.”]