Find the Best Personal Loan in Singapore — Lowest Rates Guaranteed
Compare offers from trusted Fast Cash Providers instantly. Fully digital, PDPA-compliant, and designed to help you secure the lowest possible rates.
Lowest Rates Guaranteed
If you find a lower rate, we’ll match it.Instant Matching
Get personalised loan options in minutes.Up to 1% Cashback & Incentives
Exclusive rewards only for our borrowers. Terms apply.
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How to apply for a fast cash loan in Singapore?
Tell us what you need
Securely connect with Singpass or answer three quick questions about your loan request.
This helps us understand your loan needs so we can match you with banks and licensed moneylenders and negotiate on your behalf.
Instant Loan Matches
Our system instantly identifies the best lenders for your profile.
the biggest loan amount you’re eligible for
the longest possible tenure
the lowest interest rate available
Get Funded
We’ll send your personalised offers directly via WhatsApp.
Choose the option that suits you best.
We coordinate the final steps, and many providers offer same-day disbursement once verification is complete.
No need to return to the site — everything continues seamlessly through WhatsApp.
Ready to get your personalised loan offers?
100% free · No obligation
Why Personal Loan Rates Are Lower Through PickMeALoan
We operate as a fully digital platform, reducing operational and acquisition costs for Fast Cash Providers.
By lowering provider costs, we create real pricing competition that benefits borrowers directly.
(Providers can offer better rates when they are not burdened by traditional overheads.)
Cost savings are passed on to you through more competitive interest rates and transparent fees.
(No hidden charges, no upselling, and no biased recommendations.)
Results: Borrowers receive some of the most competitive personal loan rates in Singapore — accurately matched, verified, and guaranteed.
$50M
Loans Offered Annually
9K+
Applications Annually
90%
Approval Rate
What our customers are saying..
Testimonials from our satisfied clients.
Frequently Asked Questions
Clear answers to help you secure the best personal loan deals in Singapore.
Is PickMeALoan a moneylender?
No. PickMeALoan is a digital loan comparison platform.
We work with licensed Fast Cash Providers and financial institutions in Singapore.
All loans are issued directly by the providers, not by us.
How does PickMeALoan work?
PickMeALoan analyses your profile and matches you with suitable personal loan options from trusted Fast Cash Providers.
You receive tailored offers based on your income, loan amount, repayment preferences, and provider criteria.
Is PickMeALoan free to use?
Yes. There are no fees for comparing personal loan options on PickMeALoan.
Why should I use PickMeALoan instead of applying directly to lenders?
Using us gives you:
- Faster matching
- Higher approval chances
- Better fit lenders
- Cashback / platform benefits
- No repetition of forms
- No getting spammed by dozens of lenders
- Accurate matching based on eligibility
Most borrowers prefer not to waste time applying blindly to 10+ lenders.
Why are personal loan rates lower through PickMeALoan?
Our platform is fully digital and reduces operational and acquisition costs for Fast Cash Providers.
These savings allow providers to offer more competitive interest rates through PickMeALoan.
How does PickMeALoan make money?
We receive a referral fee from licensed lenders for successful matches.
This does not increase your interest rate or fees.
How do you decide which lenders to match me with?
Our system compares your profile against lender criteria such as:
- Income tier
- Residency / pass type
- MLCB limits
- Existing loan obligations
- Maximum loan caps
- Approval likelihood
- Lender risk appetite
You only receive matches you are likely eligible for — not generic listings.
Does checking my options affect my credit score or MLCB?
No.
We do not perform credit bureau checks.
We do not submit any enquiries to MLCB.
How fast will I receive my loan offers?
Most users receive loan options within a few minutes.
Some complex profiles may take longer.
How accurate are the loan offers you send?
All offers are based on provider criteria and your submitted information.
They reflect realistic eligibility ranges and are verified by licensed Fast Cash Providers.
Can I get more than one offer?
Yes, you will usually receive 2–4 offers, prioritised by:
- Lowest interest
- Longest tenure
- Highest loan amount
You choose your preferred one.
What if no lender matches me?
This may happen if:
- Your income is too low
- Your MLCB is fully utilised
- You have too many existing loans
- Lenders currently tightened criteria
We will still guide you on what to improve for future eligibility.
How do I know this isn’t a loan scam?
Because:
- We will never ask for deposits, admin fees, or insurance fees.
- All partner lenders are licensed and verified on the MinLaw registry.
- All loan approvals must be done in-person, as required by law.
If someone asks you for upfront payment, it is a scam.
Do I have to visit the lender’s office?
Yes.
Under Singapore regulations, all licensed moneylenders must verify your identity in person before issuing a loan.
How long does the approval take with Money Lenders?
For most borrowers, under 30 minutes once at the lender’s office.
Some lenders offer express approvals.
Do I have to take the loan after receiving the offers from PickMeALoan?
No. There is zero obligation.
You can walk away anytime.
Can I get a loan if I’m on Work Permit?
Yes, several lenders specialise in Work Permit profiles, but loan amounts may be lower.
Skip the Hard Work! We Match You Instantly.
Tell us what you need and we’ll negotiate the best loan options on your behalf in minutes.
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