User Information & Loan Application

Credit Bureau Singapore · Free Report

First 500 applicants only

Get your CBS credit report — free.

Apply for a loan through Credible.sg and receive a complimentary CBS Credit Report code from us. Redeem your report directly with Credit Bureau Singapore using Singpass.

Your report stays private to you — Credible.sg does not see or store it.

1

Apply through Credible.sg

Complete a quick, verified loan application through Credible.sg.

2

Receive your CBS report code

Once your application is completed, we'll send your unique CBS Credit Report code to your email address.

3

Redeem directly with CBS

Use your code and Singpass to retrieve your report directly from Credit Bureau Singapore.

Your CBS report is delivered to you only. Credible.sg does not access, view, or store your report.

Redeem directly with CBS Your report stays private No obligation to accept an offer

Free CBS Credit Report redeemable via a promotional access code on the Credit Bureau Singapore website, subject to CBS terms and campaign terms. Available to the first 500 eligible customers who complete a loan application through Credible.sg. One code per eligible individual. Credible.sg does not access, view, or store the CBS report. Receiving a report code does not guarantee loan approval and does not require acceptance of a loan offer. Terms apply.

Welcome! Let's set up your account.

Tell us about yourself

Tell us more about the loan you need.

Personal loan cost information

Key rates, terms and a worked example for personal loans in Singapore

Credible.sg is a loan-matching platform, not a lender. We connect you with licensed lending partners regulated by the Ministry of Law (Registry of Moneylenders) and the Monetary Authority of Singapore. Your actual rate, fees and terms are set by the lender you choose.

Maximum Annual Percentage Rate (APR)
48% per annum (4% per month)

The maximum interest a licensed moneylender may charge under Singapore law.

Repayment period
1 to 24 months (shortest to longest)

Choose the shortest tenure you can comfortably afford.

Representative example

Borrow S$10,000 over 12 months at 48% per annum (Effective Interest Rate):

  • Monthly repayment approx. S$1,067
  • Total amount repayable approx. S$12,809
  • Total cost of credit approx. S$2,809

A one-time administrative fee of up to 10% of the principal and late fees of up to S$60 per month may also apply. The total of all interest, fees and charges can never exceed the amount borrowed.

Figures are an illustrative example, not an offer or quote. Your actual rate, fees and terms are set by the licensed lender you choose and depend on your income, credit profile, loan amount and tenure. Always check a moneylender against the Ministry of Law's Registry of Moneylenders before signing any agreement.