Independent loan comparison • Singapore
One Application. Compare Personal Loan Offers from Licensed Lenders.
OneCompare matches your profile with participating licensed lenders in Singapore. Estimate your repayment, compare offers side-by-side, and choose what fits — free and with no obligation.
- Participating licensed lenders
- Transparent side-by-side comparison
- Free to compare — no obligation
Estimate your repayment
Est. Monthly Repayment
$893
Est. Total Repayment
$5,356
Independent illustration only. Interest rates, approval and loan terms vary by participating licensed lenders and individual assessment.
What You Need to Get Started
A few details is all it takes to begin your enquiry.
- Full name
- Singapore mobile number (for OTP verification)
- Email address
- Date of birth (you must be at least 21)
- Residency status (Citizen, PR or Work Pass)
- Monthly income
- Desired borrowing amount
- Loan purpose
- Existing loan commitments, if any
Apply with Singpass and your NRIC, date of birth, nationality, residential status and registered address are securely auto-filled — less typing, fewer errors.
Why Choose OneCompare
A simpler way to explore your options with participating licensed lenders in Singapore.
One application saves time
Fill in your details once. We match your profile with participating licensed lenders.
Compare multiple licensed lenders
Review offers from our trusted network partners, including licensed financial institutions and banks, in one place.
Transparent comparison
See repayment, tenure and terms side-by-side before you decide.
No obligation
Reviewing offers is free. You decide if and when to proceed.
One enquiry, not multiple applications
Approach several lenders through a single enquiry — no need to apply to each one separately.
Secure and privacy-conscious
Your information is encrypted in transit and at rest. Your information is handled securely and shared with relevant participating partners as explained during your application and in our Privacy Policy.
What a Personal Loan Can Cover
Common reasons Singapore borrowers compare personal financing.
- Debt consolidation
- Medical & dental expenses
- Wedding & family milestones
- Education & courses
- Home essentials & appliances
- Emergency & unexpected bills
- Travel & big-ticket purchases
- Bridging short-term cash flow
Permitted use, amount and terms depend on the lender and product you proceed with.
How It Works
OneCompare is a comparison and referral platform, not a lender. Here's how your enquiry becomes a suitable financing option:
- 01
Tell Us What You Need
Share your loan amount and a few details. One short application — under a minute.
- 02
Compare Your Options
We match your profile with offers from participating licensed lenders, side-by-side.
- 03
Choose and Connect
Review the terms, pick the option that fits, and a suitable licensed partner follows up with you to complete their assessment. You decide if and when to proceed.
What Lenders Usually Look For
- Age 21 and above
- Minimum annual income (varies by lender)
- Employment status and length of employment
- Credit history and existing loan commitments
- NRIC, latest payslip and CPF contribution history
- A loan amount that fits your repayment capacity
You do not need everything ready to enquire — requirements vary by lender and product.
Frequently asked
Am I eligible for a personal loan in Singapore?
Eligibility depends on the lender. Most Singapore-licensed lenders require you to be at least 21 years old with a minimum annual income. Final approval, loan amount and interest rate are decided by the lender.
What documents do I need?
Lenders typically ask for NRIC, latest payslip and CPF contribution history. If you apply with Singpass Myinfo inside the application flow, these details are auto-filled securely with your consent.
How long does processing take?
Comparison on OneCompare takes minutes. Actual loan approval and disbursement timelines depend on the lender you choose to proceed with.
Is my personal information safe?
Your information is encrypted in transit and at rest. We are PDPA compliant and only share your details with the licensed lender you select.
Is OneCompare a moneylender?
No. OneCompare is an independent loan comparison and referral platform. We are not a bank, licensed moneylender or financial adviser. Any loan is provided by the licensed lender you choose to proceed with.
Loan costs
- Repayment period: 3 to 60 months
- Maximum annualised rate including fees: 88.0%
Representative example
S$5,000 over 12 months at 4% per month with a 10% admin fee (S$500): monthly repayment S$532.76; total repaid S$6,393.13; total cost of borrowing including fee S$1,893.13; annualised rate including fees 70.4%.
ONECOMPARE SOLUTION PTE. LTD., 60 Paya Lebar Road, #06-28 Paya Lebar Square, Singapore 409051
Important information
OneCompare is a loan comparison and referral platform, not a lender. We do not provide credit and we do not charge borrowers a platform, search or referral fee. Loan approval, amount, interest rate, fees and repayment terms are determined by the participating licensed lender.
Rates, fees and eligibility vary by lender and applicant profile. Repayment periods range from 3 to 60 months. Examples shown are for illustration only and are not an offer of credit. Full cost-of-borrowing disclosure.