Singapore’s Lowest Personal Loan Rates — Guaranteed

Compare personalised loan offers instantly and secure the lowest rates available.

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.

Selected Partners

How We Work

Tell us what you need

Securely connect with Singpass or fill in a quick form (3 key questions).

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 AI instantly identifies the best lenders for your profile based on either:

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.

Pick the deal you prefer, and we’ll help you book a quick appointment with the lender to sign your agreement with funds typically released on the same day.

No need to return to the site — everything continues seamlessly through WhatsApp.

Ready to get your personalised loan offers?

100% free · No obligation

$50M

Loans Offered Annually

9K+

Applications Annually

90%

Approval Rate

Clients' Voices

Testimonials from our satisfied clients.

Frequently Asked Questions

Clear answers to help you secure the best personal loan deals in Singapore.

What types of loans do you compare?

PickMeALoan is a free personal loan comparison platform that instantly matches you with licensed lenders offering the lowest available rates, negotiated deals, and up to 1% cashback.

How does PickMeALoan work?

You answer a few quick questions (or connect via Singpass), and our system instantly identifies lenders that fit your profile. We negotiate on your behalf to secure the best loan terms.

Are the lenders you work with licensed in Singapore?

Yes. We only compare offers from banks and MinLaw-licensed moneylenders. Unlicensed lenders are never included.

Is PickMeALoan free to use?

Yes. Our service is 100% free for borrowers. We are compensated by partnered lenders.

What is your Lowest Rate Guarantee?

If you find a lower personal loan rate from any licensed lender, we’ll match it, ensuring you always get the best deal.

How fast will I receive my loan matches?

Most borrowers receive personalised loan options almost instantly after submitting their details.

What is the 1% cashback and how does it work?

Some lenders provide up to 1% cashback, vouchers, or borrower incentives when you apply through PickMeALoan. Eligibility depends on loan type and lender. Terms apply.

How much can I borrow in Singapore?

Depending on income and credit profile, licensed moneylenders typically offer 1–6x of income, while banks can offer higher amounts with stricter criteria.

Will checking my loan options affect my credit score?

No. Viewing your loan matches does not affect your credit score. A credit check only happens when you proceed with a lender application.

Who is eligible for a personal loan?

Eligibility varies, but most lenders accept Singaporeans, PRs, and Work Pass holders with a minimum monthly income. We match you only to lenders you qualify for.

How do I receive my funds?

After choosing your offer, you’ll sign the agreement with the lender. Many lenders disburse funds on the same day.

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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