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Understanding Unsecured Lending
An unsecured loan is a loan that doesn’t require any collateral. Instead, your approval is based on factors like income, credit score, and repayment ability. Since there’s no asset to recover if you default, unsecured personal loan lenders take on more risk, which may lead to slightly higher interest rates compared to secured loans.
Despite that, unsecured private loans remain incredibly popular due to their speed and accessibility. You can use it for personal or business purposes, and the application process is often fast and straightforward.
Our unsecured loan products are underwritten and disbursed by TBS Union Pte Ltd.
Types of Unsecured Loans We Offer
At Tembusu Financial Services, we provide a full range of unsecured loans in Singapore, including:
- Unsecured personal loans
– Great for emergencies, travel, or big-ticket purchases.
- Payday loans
– Short-term loans for when you need cash before your next pay cheque.
- Renovation loans
– Ideal for sprucing up your home without dipping into savings.
- Unsecured small business loans
– Fast, no-collateral financing for SMEs and startups.
- Unsecured private loans
– Flexible options for individuals who don’t fit traditional lending criteria.
- Unsecured corporate loans
– Larger loans for established companies needing expansion capital.
Unsecured Lending Is Suitable For:
Individuals without assets to pledge
Salaried workers who need quick access to funds
Business owners looking for unsecured commercial loans or small unsecured loans
Companies wanting fast, unsecured business loans without tying up assets
Why Choose Our Unsecured Loans?
1 Day Loan Approval
Low Interest Rate
Flexible Payment
High Approval Rate
No TDSR Restriction
No Additional Charges
How to Apply for an Unsecured Loan?
| Step 1: Receive Expert Consultation |
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Contact Tembusu Financial Services at (+65) 6741 2588 or WhatsApp for a free unsecured lending consultation from our loan specialist. |
| Step 2: Submit Your Documents |
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Send us the required documents and we will expedite the approval process for your unsecured private loan application. |
| Step 3: Mortgage Loan Approval |
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Once your unsecured lending is approved, you will be notified by our loan specialist who will also explain the loan features and charges. |
| Step 4: Loan Disbursement |
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After you have accepted our loan offer, we will formalise the legal paperwork and disburse the loan to you. |
FAQs on Unsecured Loans in Singapore
Yes, depending on your credit profile. We assess each application individually to ensure responsible lending.
Absolutely. Whether you need a small unsecured loan for personal use or unsecured small business loans, we’ve got flexible options for you.
Loan amounts vary depending on your income and credit score. We offer flexible packages, including small unsecured loans and larger sums for those who qualify.
These terms are often used interchangeably. Both refer to business loans without collateral, whether you're a small enterprise or a larger corporation.
Yes, we assess all applications individually. Many self-employed individuals and business owners qualify for unsecured private loans or unsecured business funding, provided they can show steady income or business revenue.
Missing repayments may lead to late fees and affect your credit score. We encourage you to speak with us early if you're facing difficulties - we’ll do our best to work out a solution.
Choose Unsecured Loan in Singapore to Get Funded Without Collateral
Apply for an unsecured personal or business loan in minutes - fast approval, fair rates, and zero hidden fees.
Personal Loan
Accredited investors can get an unsecured loan to be used for various purposes.
Business Loan
Companies can get our loan for their business needs in the form of overdraft, fixed term loan and equity loans.
Caveat Loan
We offer loans to companies and individuals based on the equity in their property.
Unsecured Loan
Companies can apply for our unsecured, uncollateralised loan based on their creditworthiness.
