Who qualifies as an Accredited Investor (AI)?

An accredited investor is defined by specific financial thresholds, including a minimum income of S$300,000 in the past 12 months, net personal assets exceeding S$2 million (with up to S$1 million from the primary residence), or net financial assets of at least S$1 million.

Are there any restrictions on how I can use the loan amount?

Generally, AI personal cash loans offer flexibility in how the funds can be used, whether for investments, home improvements, or covering unexpected expenses. However, we encourage clients to discuss their intended use with our team to ensure it aligns with our loan policies.

What interest rates can I expect for an AI personal cash loan?

Interest rates for accredited investors are typically lower than those for standard personal loans, reflecting the lower risk profile of accredited investors. Exact rates depend on current market conditions and your financial profile. Contact us for a personalised quote.

How long does the loan approval process take?

We aim for a 1-day loan approval process, subject to the completeness and verification of the provided documentation.

Is my information kept confidential?

Absolutely. Tembusu Financial Services adheres to strict confidentiality and privacy policies, ensuring that all client information is securely managed and not disclosed without consent.

Low Rates & Easy Approval Personal Cash Loan

We offer personal lending solutions designed to meet your needs, no matter your background or financial situation. From emergency cash loans to personal financing options in Singapore for larger purchases, we help you borrow money with confidence and clarity.

Our personal loan products are underwritten and disbursed by TBS Union Pte Ltd.

When to Consider a Personal Loan

Debt consolidation – Combine multiple debts into one lower-interest loan.
Job loss or income gap – Bridge a short-term shortfall with an urgent money loan.
Home renovations – Upgrade your space with flexible personal financing options.
Education or training – Fund your studies without tapping into savings.

No matter your reason, our quick loans are designed to give you quick financial help when life throws you the unexpected.

Personal Loan Types Available

We offer a wide range of loan options, including:

Secured Personal Loan – Best for borrowers who can pledge property or other assets. Enjoy the lowest interest rate personal loan in Singapore with higher borrowing limits.
Unsecured Personal Loan – No collateral required. Great for salaried individuals or those needing fast access to smaller sums.

No matter your reason, our quick loans are designed to give you quick financial help when life throws you the unexpected.

Why Choose Tembusu Financial Services?

Fast Personal Loan Disbursement
We understand that when you’re facing a financial crunch, time is everything. That’s why we offer fast cash loans and instant loan approval — many of our clients get their funds within 1 day of application.

Tailored to Your Needs
Whether you’re looking for a personal cash loan for medical bills, education, renovations, or travel, we customise your loan package to match your repayment capacity. Choose between our secured or unsecured personal financing options, depending on whether you have an asset to pledge.

Simple, Hassle-Free Application
Our personal loan application in Singapore is straightforward. No confusing paperwork. No hidden fees. Just hassle-free loan approval from a licensed moneylender in Singapore.

Why Choose Our Personal Loan

1 Day Loan Approval

Low Interest Rate

Flexible Payment

High Approval Rate

No Additional Charges

FAQs on Personal Loans in Singapore

Is there a minimum salary required to apply for a personal loan in Singapore?

Most licensed moneylenders in Singapore have flexible criteria. At Tembusu Financial Services, we assess each case individually — even if you earn below the standard thresholds, we may still approve your personal loan application based on your overall financial situation.