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Loan calculators & eligibility tools
Use our estimators to plan ahead. All results are indicative only and do not represent an offer, approval, or guarantee from any financial institution.
Loan repayment calculator
An indicative estimate only — not an offer or quote.
Under the Singapore Moneylenders Act, a licensed moneylender may not charge interest exceeding 4% per month.
Amount
$20,000
Rate
2.0%/month
Tenure
12 months
Estimated monthly repayment
$1,891
Loan amount
$20,000
Total interest payable
$2,694
Interest is calculated on the remaining outstanding balance each month. As the balance reduces, the interest portion decreases and the principal portion increases.
This calculator provides an estimate based on reducing balance interest using a monthly rate. Licensed moneylenders in Singapore are capped at 4% interest per month under the Moneylenders Act. Actual repayment may vary depending on lender terms.
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Loan Eligibility Calculator
This calculator provides an estimated result for reference only. It is not a guarantee of loan approval. Final approval is subject to income verification, credit assessment, and lender evaluation.
Estimated annual income: $60,000
Include credit cards, car loans, and existing personal loans.
Estimated eligible loan amount
$20,000
Based on a standard 4× monthly salary estimate, within the TDSR limit.
Salary multiple estimate
Indicative bank personal loan range (guideline, not guaranteed):
Higher multiples are not guaranteed and depend on credit assessment. Actual approval depends on income verification, employment status, existing liabilities, and internal bank policies.
MAS TDSR affordability
Max total monthly debt (55% of gross income):
$2,750
Under MAS rules, total monthly debt obligations (credit cards, car loans, existing personal loans, and any new loan) must not exceed 55% of gross monthly income. Loan capacity assumes an illustrative 4% p.a. rate over 60 months.
Bank Loan vs Licensed Moneylender
A factual comparison to help users understand available financing options. Final approval, loan amount, interest rates, fees, and repayment terms are determined by the respective financial institution.
Bank Loan
- Interest rates, loan amounts, and eligibility are determined by the bank.
- Higher borrowing limits may be available, subject to approval.
- Longer repayment tenure options may be available.
- Subject to the bank's credit assessment and lending policies.
Licensed Moneylender
- Regulated under the Singapore Moneylenders Act.
- Interest rates and fees are subject to statutory limits.
- Borrowing limits are subject to applicable regulations.
- Approval criteria and processing times vary by lender.
- Loan terms and costs differ between lenders and borrowers.
Built on clarity and trust
You do not need to approach multiple banks or lenders one by one. Submit one application and we will help match you with suitable financial options from our partner network.
Fast response
We review complete enquiries quickly and aim to introduce you to relevant partners without delay.
Wide network of partners
Your profile is matched against a broad network of independent, trusted Network Partners.
Secure information handling
Your data is collected and shared only with your consent, in line with Singapore PDPA principles.
Simple application
One short, digital enquiry — no repeated forms across multiple institutions.
Transparent process
No hidden steps. You always know we are a referral platform — partners make every financing decision.
Trusted platform
A Singapore-registered company handling every enquiry with care, clarity and confidentiality.
Financing for every need
Switch between loan types instantly — no extra scrolling.
Personal Loans
Personal loan enquiries are reviewed and matched with independent Network Partners who assess and decide on financing. We help you understand your options and prepare a clear enquiry before any introduction is made.
- Singapore Citizens, Permanent Residents, or eligible foreigners residing in Singapore
- Typically aged 21 and above
- Able to provide accurate income and employment information
- Final eligibility is determined solely by the Network Partner
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Common questions
A few essentials about how our platform works.
Disclaimer: OneCompare is a referral and matching platform, not a lender. Loan decisions are made by independent Network Partners. Information on this page is for reference only and is not financial advice.
Your data is protected at every step
Enterprise-grade safeguards keep every enquiry private and secure.
Your information is safe with us
We only share your information with relevant financial partners after obtaining your consent. We follow Singapore PDPA requirements and industry best practices.
Why customers choose OneCompare
Four simple steps
- 1
Submit application
Fill in one quick form
- 2
We review your profile
Our team checks your enquiry
- 3
We match financing options
From our trusted partners
- 4
You decide
With no obligation at all
Applications assisted
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Singapore-based support
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