Personal Loan

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GS Credit - Personal Loan

What Is A Personal Loan?

A personal loan is a sum of money you borrow from a financial institution, which you will pay back in monthly instalments along with interest over an agreed period. This personal loan can help to cover for your everyday needs, or if you wish to fund or purchase a big-ticket item.

Personal loans are offered by both banks and licensed moneylenders in Singapore.

However, with the variety of banks and licensed moneylenders in Singapore, it is essential to choose a financial provider to suit your needs. Banks will usually grant more significant sums at lower rates, but they have stricter requirements and prolonged approval times.

Not all moneylenders are created equal either. GS Credit specializes in quick, affordable loans for the short-term. We have streamlined our application process into three simple steps. This way, we ensure that you will receive your loan within 24 hours, so as to cater to your needs.

5 Uses Of A Personal Loan

Personal loans are unsecured loans with no requirements. Those looking for a quick personal loan can apply with us at GS Credit, and we will get back to you within the hour. Quick approval personal loans are essential if you need to:

Go on holiday

Travelling improves your creativity and enhances your wellbeing. Enjoying your free time is essential for satisfying personal life as well as work productivity. Plus, you deserve a break. Whether you are thinking of travelling to a nearby country, or somewhere far, the world is your oyster. A personal loan from GS Credit allows you to do just that.

Purchase home furniture

Perhaps it has been quite some time since you have given your home an overhaul. Is it time to replace your bed, or to discard the faulty washing machine. These home appliances and furniture can easily set you back by a few thousand dollars. This is where a personal loan can be helpful in helping you fund these big-ticket purchases.

Repair your vehicle

When your car breaks down, things will start to get inconvenient. Especially if you require your car to get to work, or to ferry your children to school. With a car, more things can done faster, so using public transport may not fit into your hectic schedule. GS Credit can help with quick, personalized funds to have your car functioning within 24 hours.

Emergency medical expenses.

Medical emergencies are usually accompanied by a hefty price tag. With hospital bills running into the tens of thousands, some of us might not have enough saved. After government subsidies, there might still be quite a substantial amount to cover for. With a personal loan from GS Credit, you will be able to receive the funds within 24 hours and cater to your emergency needs. Medical emergencies are usually accompanied by a hefty price tag. With hospital bills running into the tens of thousands, some of us might not have enough saved. After government subsidies, there might still be quite a substantial amount to cover for. With a personal loan from GS Credit, you will be able to receive the funds within 24 hours and cater to your emergency needs.

Pay for a funeral

Funerals in Singapore are expensive, but your departed loved ones are entitled to a warm-hearted farewell. During these challenging times, you need friendly and expert support. Our knowledgeable loan officers will help you with tailored financial packages suited for all your needs.

3 Simple Steps

To Receive Your Loan Now!

steps-img Submit our online application form. It only takes 3 minutes!
steps-img Receive your application results from our loan officers within the hour.
steps-img Head down to our office premise, sign the loan contract and receive your loan instantly.
Apply Now

What our clients say about us


Candy and JJ have been professional in delivery their service. Have always trusted the company.

Siti Hawa

Siti Hawa


The staffs here are really friendly and very approachable, and also really helpful. I was nervous when i was coming here for the first time but the way the staffs treat their customers and care and concern made me feel at ease. Thank you for your great service!

Shiva Ranjani

Shiva Ranjani


Fast and reliable. Thank you

Nabil Jawahir

Nabil Jawahir


Mr JJ Loi try to solve my financial problem when I’m in need, much appreciated to him and also the company to help me out during my hard times.

Zhi Yuan Tee

Zhi Yuan Tee


Friendly and good service, manager JJ is very informative about the loans and has helped me with my financial needs.

Zhi Lin Lolz

Zhi Lin Lolz


One of the best money lender,,they are professional and fast,,understand customer need and clear explanations given,, thanks candy and jj

Sha Ally

Sha Ally

Frequently Asked Questions

Some common questions about GS Credit

How are your personal loans different from banks?

Compared to banks, GS Credit’s personal loans stand out due to our:

  • • Speed
  • • Simple application process
  • • Quality of service

We pride ourselves in providing you with a personal loan in the shortest time possible, so that you will
be better able to cater to your needs.

This is why we speed up our loan application process by simplifying it into 3 simple steps.

Additionally, we do not go through tedious checks and do not require multiple document submission in
order for you to receive your loan.

Ultimately, our experienced loan officers will be happy to guide you through your loan application and
provide you with professional advice on how to receive the best personal loan package for your needs.

What are your available loan repayment frequencies?

Loan repayments for GS Credit are made monthly.

What happens if I am unable to repay the loan on time? Can I get a loan extension?

In such scenarios, you can opt to discuss your financial situation with any one of our loan officers.

They will then access your situation and if possible, grant you with a loan extension.

Can I know what is the maximum loan amount that I can borrow?

You can borrow up to 6x your monthly income.

I have a poor credit score. Do you provide loans to those with bad credit?

Yes, we do!

At GS Credit, we believe that everyone should have equal access to credit. This is why we do not turn
away borrowers with poor credit.

What kind of loan tenures do you offer?

We offer loan tenures up to 36 months, to ensure comfortable repayment for all our borrowers.

Do you charge any loan upfront fees?

Absolutely not!

We do not charge any upfront fees. If there are instances where additional fees are required, they will
all be made known to you.

Must I purchase a credit bureau report prior to loan application?

No, you do not have to.

Our loan officers can help to purchase the credit bureau report on your behalf when you apply for a loan
in our office.

What should I consider before taking up a loan with GS Credit?

Taking up a loan is a form of commitment and requires discipline to ensure that you do not fall behind
your monthly repayments and incur additional fees.

You should:

    • • Ensure that you are clear of all the details on your loan contract before you sign on it. Once you have
      signed the contract, you will be legally obliged to fulfil the loan contract that you have entered into
      with the moneylender.


    • • Evaluate your financial situation to ascertain whether you are able to handle the loan and work out a
      concise plan on how you will be able to afford the monthly repayments.
      Understand that late payment fees and interest will be charged should you fail to make timely


    • • Fully understand the terms & conditions stipulated in the loan contract, especially your repayment
      schedule, interest rate charged and any additional fees applicable.


  • • Look around for a moneylender that suits your needs best and can afford you a comfortable loan tenure
    with manageable monthly repayments.

How do I make payment for my loan?

You can make your loan repayments via GIRO, bank transfer, or visit us at our office.

Reach Us Now


Sometimes it’s nice to talk to a real person. Feel free to contact us during Monday to Saturday, 11.00 am - 8.00 pm, we are always here to help.

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