Estimate Your Monthly Instalment with Ease

Our personal loan calculator estimates your monthly repayment based on:

• Loan amount you want to borrow
• Loan tenure in months or years
• Indicative interest rate from trusted lenders

The results are indicative only. Actual loan offers will depend on your credit profile and the lender’s final assessment.

• Advertised Interest Rate (AIR): The annual interest rate shown by the bank. It does not include any fees.
• Effective Interest Rate (EIR): Reflects the true cost of borrowing, including fees and repayment structure.

The calculator uses an estimated interest rate. Your actual monthly instalment may vary depending on:

• Your credit score and income
• Loan amount and tenure selected
• The bank or provider’s final interest rate offer

Yes, it’s possible to qualify for another personal loan if you meet the provider’s criteria. You may also consider a debt consolidation loan if you have multiple existing loans.

To qualify for most personal loans in Singapore, you should meet the following:

• Be at least 21 years old
• Be a Singapore Citizen, PR, or Foreign National with a valid pass
• Earn a minimum annual income (typically from S$20,000 to S$30,000)

Yes. With just one form, Money Kinetics helps you:

• Compare rates from multiple trusted lenders
• Receive personalised loan matches
• Apply easily through a secure and transparent process