Personal Loan

Personal Loan

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Personal Loan

Personal Loan

Be it pursuing your studies, getting married or renovating your house, you can fulfil your lifestyle needs with us.

Apply Now! 

  • personal loan low installment usp en LOW INTEREST RATES
  • /content/dam/global/icons/shop loan_loan package_usp_en.png BORROW UP TO 4 TIMES YOUR MONTHLY SALARY
  • EASY ACCESS TO READY CASH WITH FLEXIBLE REPAYMENT EASY ACCESS TO READY CASH WITH FLEXIBLE REPAYMENT
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Features & Benefits

Interest Rate

An interest rate from 3.88% p.a. (EIR: 8.78% p.a.) to 8.88% p.a. (EIR: 17.77% p.a.).*

Fuss-free Payment Methods

Don't have an account with us? Don’t worry. An iSavings account will be opened so you can make easy repayments. We’ll also set up HL Bank Connect to allow you quick access to your banking details anytime.

Flexible Repayment

Choose from a loan tenure of between 1 year and 5 years to repay your loan.

Loan Amount

Borrow up to 4 times your monthly salary.

One-time Processing Fee

A one-time processing fee of 1.5% on the approved loan amount or a minimum of $100 (whichever amount is higher). This fee will be debited from the Personal Loan account when we disburse the loan.

*Terms and Conditions apply.

How it works

How it works:

Here’s an example of how much your monthly instalments will be, depending on the tenure selected. This example assumes a loan amount of $11,000 and an interest rate of 3.88% p.a.:

Tenure 1 year 2 years 3 years 4 years 5 years

Interest Rate#

3.88% p.a

Effective Interest rate (EIR) p.a+

9.93%

8.78%

8.32%

8.04%

7.85%

Monthly Instalment^

$953

$494

$342

$265

$219

# The interest rate is calculated based on the approved loan amount of $11,000.

+ The effective interest rate (EIR) is calculated taking into consideration the applicable one-time-processing fee of 1.5% or minimum $100, whichever amount is higher, and based on the approved loan amount and the respective loan tenure.

^ Monthly instalment amounts are calculated based on a fixed monthly instalment payment option and are for illustration purposes.

Affordable Monthly Instalments

Annual Income
S$
Eg. 5000.00
Loan Amount (S$)
S$

0.00

Minimum loan amount $5,000 - maximum loan amount $250,000

Loan Tenure
Interest Rate (p.a.)
Effective Interest Rate (p.a.)

Your monthly repayment
S$

Fees and Charges

Processing fee 1.5% of the approved loan amount or a minimum of S$100, whichever is higher.
Late fee S$80
Early partial/full repayment fee** 3% of outstanding loan amount or S$200 (whichever is higher).

** 1 month interest in lieu will be charged if redemption is done immediately.

Eligibility

To apply, you must be:

  • A Singapore citizen or a Singapore permanent resident,
  • Aged between 21 – 60 years old,
  • Earning a minimum annual income of S$30,000

How to Apply

  1. Have us contact you or
  2. Approach one of our relationship managers at our branch to assist you

    Our branch location:
    7 Wallich Street
    #B1-25 and #B1-26 Guoco Tower
    Singapore 078884

  3. Download Application Form
  4. View Mandatory Documents

Frequently Asked Questions and Terms and Conditions

Terms and Conditions Governing Personal Loan
Frequently Asked Questions
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Contact Us or Visit Our Branch at 7 Wallich Street, #B1-25 and B1-26 Guoco Tower, Singapore 078884


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External Link Disclaimer

If you click ‘Continue’, you will leave the HL Bank website to access a third party website ("Third Party Website").
 

HL Bank has no control over the Third Party Website and has no liability in connection with your use of the Third Party Website.
 

HL Bank is not liable for how any information you may provide on the Third Party Website is handled or treated, or for any loss incurred in connection with you accessing the Third Party Website. HL Bank makes no warranties, representations or undertakings about the Third Party Website.

 

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