Home/Personal loans

Personal Loans,
Backed by Property.

Need personal financing but rejected by banks? TBS Union provides property-backed personal loans with same-day assessment and transparent terms.

Visit TBS Union →Enquire Personal Loan →
Licence No. 99/2026 · Verify on MinLaw Registry →
Luxury condominium
Same-Day Assessment
2,000+ Deals Funded
Property Backed
24-48hr Disbursement
Trusted Licensed Lender

Need a personal loan,
but rejected by banks?

Access a personal loan, secured against your property, with competitive rates and higher borrowing limits.

All personal loans are underwritten and disbursed by TBS Union Pte Ltd, a MinLaw-licensed moneylender (Licence No. 99/2026) and a subsidiary of Tembusu Financial Services.

Property-backed
Use your private or commercial property as collateral, get higher loan amounts at competitive rates.
Same-day assessment
Submit documents to get an indicative assessment within the same business day.
No hidden fees
All rates, fees, and repayment terms are fully disclosed in your offer letter before you sign.
Direct lender
No brokers, no middlemen. You deal with us directly, from application to disbursement.
Who can apply

Eligible borrowers.

Singapore Citizens and Permanent Residents with property ownership
Eligible foreigners residing in Singapore with property ownership
Private residential property (condominiums, landed houses)
Commercial property (offices, shophouses, retail units)
Salaried employees, self-employed, and freelancers
Complex income structures or prior bank rejections
When it makes sense

When a secured personal loan is the right move.

For Investment

When you identify an investment opportunity with the potential to generate higher returns, a secured loan provides you the cash needed.

Bank Limitations

Financing can become more limited with age. We take a more flexible approach and offer loans for borrowers above 55.

Time-sensitive needs

When you need financing faster than a bank can move — medical expenses, family obligations, or urgent matters.

Unlocking property equity

Your property holds value you can deploy. Access capital tied up in your asset without selling it.

Underwritten by TBS Union Pte Ltd.

Personal loans on this page are underwritten and disbursed by TBS Union Pte Ltd, a MinLaw-licensed moneylender (Licence No. 99/2026) regulated under the Moneylenders Act. TBS Union is a wholly-owned subsidiary of Tembusu Financial Services.

All loans are subject to assessment, approval, and the terms set out in the offer letter. Verify our licence on the MinLaw Registry.

Verify licence on MinLaw Registry →MinLaw FAQ for Borrowers →

Ready to explore your options?

Speak to our team for a confidential, no-obligation assessment of your situation.

Get started →