Why choose Tradition Credit for Personal Loans?

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Fast Personal Loan | Fast Cash Loan

Getting a fast cash loan in Singapore can be actually easier than it seems. Here in Tradition Credit, we offer a hassle-free and yet reliable fast personal loan application process online. Getting a fast cash loan in Singapore has never been easier. We have proven to have a strong and consistent track record in offering emergency fast credit cash loans to many Singaporeans in their time of need.

With many years of experience in handling individuals with imperfect credit score, we have still managed to offer fast personal loan packages to many within a short period of time legally. If you are looking to get a quick cash loan or personal loan in Singapore for your own financial needs, you should first engage our consultants and we will be more than happy to offer you a free consultation over the phone or even at our office.

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FAQ – Interest rates and fees

If your annual income is less than $30,000, the interest rate which moneylenders can charge, for both secured and unsecured loans, is capped at:
13% Effective Interest Rate for secured loans.
20% Effective Interest Rate for unsecured loans.
If your annual income is $30,000 or more, the caps above are not applicable and interest rate is to be agreed upon between the moneylender and the borrower.

With effect from 1 October 2015, the maximum interest rate moneylenders can charge is 4% per month.
This cap applies regardless of the borrower’s income and whether the loan is an unsecured or secured one.
If a borrower fails to repay the loan on time, the maximum rate of late interest a moneylender can charge is 4% per month for each month the loan is repaid late.

With effect from 1 October 2015, all moneylenders are only permitted to impose the following charges and expenses:

  • a fee not exceeding $60 for each month of late repayment;
  • a fee not exceeding 10% of the principal of the loan when a loan is granted; and
  • legal costs ordered by the court for a successful claim by the moneylender for the recovery of the loan.
Before approaching a moneylender, consider other alternatives, such as the various financial assistance schemes offered by various Government agencies.
You are legally obliged to fulfil any loan contract you enter into with a licensed moneylender.
Borrow only what you need and are able to repay. Be mindful that if you are unable to meet the contractual terms, the late payment fees and interest payment will be a financial strain not just on yourself but also on your family.
  • Make sure the moneylender delivers to you the correct principal amount of the loan.
    The moneylender is only permitted an upfront deduction of a loan approval fee of up to 10% of the principal amount.
  • Pay the loan instalments on time to avoid incurring late payment fees and late interest.
  • You should retain all statement of accounts and receipts of payments, as documentation and evidence of payments.

Applying For Personal Loans in Singapore

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Tradition Credit.

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We have been serving our customers in Singapore since 1994, offering a comprehensive suite of financial services solutions including business and personal loan services.
We have a long serving group of staff who are knowledgeable and helpful to assist you with the loan in a simple, fast and secure process.