Choose your starting point
How would you like to start?
Most visitors begin with one of these three lanes. Pick the one that matches where you are right now.
01Most popular
Start with affordability
Not sure how much loan you can carry? Run an affordability check first before comparing offers.
Open affordability calculator →02
Compare by country
Already know the market? Jump straight into the Singapore offer table — Malaysia, PH, ID, TH, VN below.
See Singapore offers →03
Explore borrower tools
Browse every calculator and helper: EIR vs flat rate, debt service ratio, processing fee impact, early settlement.
Browse all tools →No sign-up, no quiz funnel. Every lane lands on a real working tool or table.
Interaction debug (local only)Click counts saved in this browser
No local click data yet. Start clicking the homepage lanes, country cards, or tool cards to populate this panel.
What you can do here
One SEABorrow session can answer multiple borrower questions
Instead of sending people through separate thin widgets, SEABorrow combines comparison, repayment planning, affordability checks, data transparency and educational guidance in one borrower-first flow.
Specialized tools
Dedicated loan calculators that deserve their own pages
Affordability CalculatorStart from cash-flow room, not the maximum amount a lender might allow.DSR CalculatorA fast way to see whether a new installment pushes your monthly debt burden too far.Fee Impact CalculatorA cheaper-looking rate can still be worse when upfront fees eat into the money you actually receive.Flat Rate vs EIRWhen one lender shows a flat rate and another shows EIR, this tool gives you a fairer comparison starting point.Early SettlementA quick way to see whether paying off a loan early is likely to save meaningful interest before settlement fees.
Country clusters
Pick a market and switch the comparison defaults instantly
Each market uses its own amount presets, tenor norms, income assumptions and editorial notes. Verified and partial data quality are surfaced directly in the product instead of hidden in footnotes.
Main experience
Singapore borrower workbench
This Singapore route preloads local borrowing assumptions, data notes and lender pages so borrowers can compare faster.
Why you can trust this table
How to read this comparison
Trust signals at a glance
Public bank pagesSnapshot-based dataNo paid rankingPartial rows may need source confirmation
Source coverage in this market
Verified bank pages: 5Partial bank pages: 0Fields needing confirmation: 14
How to read this table
- “Verified” = we walked the lender’s public product page and matched the figures shown there.
- “Partial” / “Check source” = the lender does not publish that field publicly; confirm in-app or in branch.
- We do not rank by paid placement. Order is driven by fit score: total cost, fee stack, funding speed, income fit.
- Personalised rate, fees and approval are decided by the bank. Always confirm before applying.
Latest snapshot in this build: 2026-05-31
Update log
Loan data update log
- UOB — Personal Loan2026-05-31Advertised rateEIRFeesTenorAmountIncomeSource link
- HSBC — Personal Line of Credit — Instalment Plan2026-05-31Advertised rateEIRFeesTenorIncomeSource link
- Standard Chartered — CashOne Personal Loan2026-05-31Advertised rateEIRFeesTenorAmountIncomeSource link
- DBS / POSB — Personal Loan2026-05-31Advertised rateEIRFeesTenorSource link
- OCBC — ExtraCash Loan2026-05-31Advertised rateEIRFeesTenorIncomeSource link
Compare & filter
Find the right Southeast Asia loan shortlist
Start with one market, then adjust amount, tenure and income to surface the most realistic offers.
Popular amounts:
Market focusSingaporeDense bank market, low headline rates, strong focus on EIR and fee transparency.
Best headline rate0.90%Standard Chartered · CashOne Personal Loan
Lowest monthly costSGD 422.47Standard Chartered · CashOne Personal Loan
Fastest payout—Not published
Offer shortlist
5 matching bank loans
Verified offers were manually checked on the lender’s public product page; confirm current terms before applying.
Singapore · Lowest published EIR
UOB
Personal Loan
No processing feeEIR from 1.93%
Advertised rateFrom 1% p.a.
Effective rateEIR from 1.93% p.a.
MonthlySGD 423.12
Total costSGD 15,232.37
Processing fee waived for all tenors (UOB page).
Lowest advertised rate; personalised rate depends on UOB credit assessment.
Rates, fees and eligibility shown are taken from the lender’s public product page. Personalised rate, fees and approval are determined by UOB — confirm before applying.
Singapore · Longest tenor
HSBC
Personal Line of Credit — Instalment Plan
Long tenor (up to 7y)No processing fee
Advertised rateFrom 1.30% p.a.
Effective rateEIR from 2.50% p.a.
MonthlySGD 425.07
Total costSGD 15,302.52
Zero processing fee at the published promotional rate.
Promotional rate; income requirement is higher for new HSBC customers (S$65k+).
Rates, fees and eligibility shown are taken from the lender’s public product page. Personalised rate, fees and approval are determined by HSBC — confirm before applying.
Singapore · Fast via Myinfo
Standard Chartered
CashOne Personal Loan
Instant via MyinfoFixed monthly repaymentUp to 5y tenorUp to S$250kEIR from 1.75%
Advertised rate0.90%–9% p.a. (illustrative)
Effective rateEIR from 1.75% p.a.
MonthlySGD 422.47
Total costSGD 15,408.04
S
99 first-year annual fee (deducted from approved amount).
Headline rate is SC’s lowest applied rate; illustrative EIR shown above reflects the published floor. Foreigners need min S$90k annual income + Singapore Employment Pass.
Rates, fees and eligibility shown are taken from the lender’s public product page (calculator widget, product tile and FAQ). Personalised rate, fees and approval are determined by Standard Chartered — confirm before applying.
Singapore · Local brand reach
DBS / POSB
Personal Loan
Up to 5y tenorCashline-linked
Advertised rateFrom 1.48% p.a. (lowest published)
Effective rateEIR 3.22% p.a.
MonthlySGD 426.24
Total costSGD 15,494.71
1% processing fee per the official page; personalised rate varies.
DBS publishes a lowest reference rate; your actual rate is set at application.
Rates, fees and eligibility shown are taken from the lender’s public product page (illustrative FAQ example). Personalised rate, fees and approval are determined by DBS / POSB — confirm before applying.
Singapore · Lower income bar
OCBC
ExtraCash Loan
Lower income bar (S$20k)Up to 6× salaryEIR up to 26.39%
Advertised rateFrom 10.08% p.a.
Effective rateEIR from 10.96% p.a.
MonthlySGD 484.57
Total costSGD 17,944.57
Processing fee: S$200 or 2% of approved loan amount, whichever is higher.
OCBC publishes its applied/EIR table by income band (S$20k–S$29,999 vs ≥S$30k) and tenor; figures shown reflect the full published range.
Rates, fees and eligibility shown are taken from the lender’s public product page. OCBC publishes interest rates as a matrix by income band and tenor; the figures here capture the full range and EIR span exactly as the page states.
Repayment planner
UOB · Personal Loan
A single place to inspect monthly repayment, interest burden and fee impact before you build more landing pages around this market.
Estimated monthly paymentSGD 423.1236 monthly installments
Total repaymentSGD 15,232.37Principal + interest
Total interestSGD 232.37Cost of borrowing
Upfront feesSGD 0.00Processing + fixed charges
All-in cash costSGD 15,232.37Repayment plus fees
Income barSGD 2,500/moWatch early settlement terms
Amortization snapshot
Month-by-month repayment schedule
| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | SGD 423.12 | SGD 410.62 | SGD 12.50 | SGD 14,589.38 |
| 2 | SGD 423.12 | SGD 410.96 | SGD 12.16 | SGD 14,178.41 |
| 3 | SGD 423.12 | SGD 411.31 | SGD 11.82 | SGD 13,767.11 |
| 4 | SGD 423.12 | SGD 411.65 | SGD 11.47 | SGD 13,355.46 |
| 5 | SGD 423.12 | SGD 411.99 | SGD 11.13 | SGD 12,943.47 |
| 6 | SGD 423.12 | SGD 412.34 | SGD 10.79 | SGD 12,531.13 |
| 7 | SGD 423.12 | SGD 412.68 | SGD 10.44 | SGD 12,118.45 |
| 8 | SGD 423.12 | SGD 413.02 | SGD 10.10 | SGD 11,705.43 |
| 9 | SGD 423.12 | SGD 413.37 | SGD 9.75 | SGD 11,292.06 |
| 10 | SGD 423.12 | SGD 413.71 | SGD 9.41 | SGD 10,878.35 |
| 11 | SGD 423.12 | SGD 414.06 | SGD 9.07 | SGD 10,464.30 |
| 12 | SGD 423.12 | SGD 414.40 | SGD 8.72 | SGD 10,049.90 |
Scenario lab
Run affordability, DSR and early-payoff checks without leaving the comparison flow
These tools stay tied to the selected lender and borrower inputs, so every output remains connected to the exact scenario on screen.
Affordability radar
How much monthly budget feels realistic?
Use simple income bands to see how aggressive this scenario is and what principal each band could support at the selected lender rate.
15% of incomeSGD 630.00/mo budget
SGD 22,334.01
20% of incomeSGD 840.00/mo budget
SGD 29,778.68
25% of incomeSGD 1,050.00/mo budget
SGD 37,223.35
30% of incomeSGD 1,260.00/mo budget
SGD 44,668.02
Payment pressure
Debt-service view for the selected offer
A quick screen for monthly pressure against the current income input and lender income bar.
Installment / income10.1%
Lender income barSGD 2,500.00/mo
Eligibility signalMeets lender floor
This scenario looks relatively light versus the current monthly-income assumption.
Tenure sandbox
Slide the term and watch cost rebalance
36 monthsSGD 15,000.00 principal
MonthlySGD 423.12
Total interestSGD 232.37
All-in costSGD 15,232.37
This matches the currently selected term. Drag the slider to see how cash-flow and total cost rebalance.
Early-settlement preview
What if you clear the loan early?
Month 12
Remaining balanceSGD 10,049.90
Interest paid so farSGD 127.35
Interest avoidedSGD 105.02
This is a planning view of balance and interest saved before lender-specific settlement fees or lock-in penalties.
Why this experience is stronger
Designed as a borrower toolkit, not a thin rate table
- Country-aware comparison, lender pages, shareable scenarios and repayment schedules in one product.
- Affordability, DSR and early-payoff checks tied directly to the selected lender row.
- Guides, methodology and policy pages embedded in the same information architecture.
Expansion path
High-related next tools for this vertical
- Singapore affordability calculator by salary band
- Singapore DSR / DTI checker with lender-income fit
- Singapore early-settlement and prepayment-fee explainer
All offers below are derived from publicly visible bank product pages (snapshot per row). Where a lender does not publish a figure, we show “Check source” rather than guess. Rates, fees and approval terms change frequently — confirm on the lender’s own site before applying.
SEABorrow is independent and not affiliated with any listed bank. Loan terms change frequently — confirm on the lender's official page before applying. Read our full Disclaimer.
Guides + trust
Borrower education and transparent sourcing live in the same product
Latest borrower guides
Editorial rules
- We do not invent fee, rate or eligibility fields that are missing on a public lender page.
- Guides are written to explain tradeoffs, not to pressure a borrower into applying.
- Every major page includes route-level context, internal links and a clear correction path.
What gets refreshed
- Hourly snapshot refresh job for loan data files already exists in this branch.
- Verified vs partial status is preserved when public disclosure is incomplete.
- Source links and last-checked dates stay attached to offer-level pages.
FAQ
Common questions about SEABorrow
How the data is sourced, how the calculators are meant to be used, and what SEABorrow is not.
Is SEABorrow a lender or a broker?
No. SEABorrow is an independent comparison and education site. We do not lend money, take applications, share your information with banks, or earn referral fees that change how offers are ranked.
Where do the rates and fees on this site come from?
Numbers are collected from the lender’s own public pages and regulator disclosures, then re-checked on a rolling schedule. Each lender page shows when it was last verified, and our Methodology page explains the process in more detail.
How often is the loan data updated?
Public lender pages are reviewed on a rolling basis. We label each offer with a "last checked" date so you can see how recent the figure is. Loan terms change frequently, so always confirm the latest pricing on the lender’s official page before applying.
Does comparing or using the calculators here affect my credit score?
No. We do not perform credit checks. Nothing you type into the calculators is sent to any bank. Your credit score is only affected when you actually apply with a lender on their official site.
How do I use the calculators to choose a loan?
Start with the affordability or DSR view to size a monthly payment your cash flow can defend. Then open the country comparison to filter lender offers that fit, and use the fee-impact or flat-rate-vs-EIR tools to make the headline rates honestly comparable.
Why do some country pages look thinner than others?
Public disclosure varies by market. Where the lender publishes rates, fees and eligibility clearly, we display more detail. Where disclosure is thin, we prefer to show fewer fields rather than guess.
FAQ
Questions borrowers in Singapore usually ask
How are lender offers for Singapore chosen?
We aim to include the most visible mainstream personal-loan products that publish enough information to be compared honestly. Offers without verifiable public pricing are usually left out rather than guessed at.
Are the Singapore rates shown here APR, EIR or flat?
Wherever possible we surface both the advertised rate and an effective-rate view, because the same loan can look very different under each definition. Use the Flat Rate vs EIR calculator to make cross-lender comparisons fair.
Will I be approved if the calculator says the loan is affordable?
Not necessarily. Affordability is your own cash-flow view. Approval depends on the lender’s underwriting, your credit history, employment and documentation. The calculators help you arrive prepared, not pre-approved.
What should I confirm on the lender’s site before applying?
Confirm the current rate (and whether it is flat or EIR), all processing and insurance fees, the minimum income, the maximum tenure and any settlement or lock-in rules. Those five fields decide most of the real cost.