Find out what you qualify for, before you apply anywhere.
Send us your documents and we will assess your profile against our lender panel. You get a straight answer on what is realistically available to you, at no cost and with no obligation to proceed.
Every rejection leaves a mark. An assessment does not.
Formal loan applications are recorded at Credit Bureau Singapore, and several in a short window makes you look desperate to the next lender who reads your file. An eligibility check happens entirely on our side. Nothing is submitted to any lender until you have seen the options and told us to proceed.
We assess first
Your profile is measured against each lender's real criteria before anything is filed.
Nothing moves without you
No application is submitted, and no document leaves us, until you approve that specific lender.
You get a plain answer
Including the answer that financing is not right for you at the moment, if that is the honest one.
Your document checklist
Send what you have. A partial set is enough to start, and we will tell you what else is needed.
If a bank has approved or rejected you in the last 30 days, Credit Bureau Singapore must give you a free copy of your credit report on request. You can pull it with Singpass. Checking your own report is a self enquiry, and a self enquiry does not affect your credit score, so there is no downside to looking before you do anything else.
It is the most useful thing you can send us, because it shows exactly what a lender sees. We would rather start there than ask you for your NRIC.
Submit for a free assessment
Takes about two minutes. Everything is reviewed by one advisor, not a call centre.
Document submission terms
Plain language, and worth the two minutes before you send anything to anyone.
- Your documents are yours and they are genuine. You confirm that the documents you submit belong to you or that you are authorised to provide them, and that the information in them is true and complete so far as you know. Submitting altered or falsified documents to obtain credit is a criminal offence in Singapore, and we will not process a file we believe to be false.
- What we do with them. We review your documents to assess your financing eligibility. We share them with banks, licensed lenders and financial institutions on our panel only where that is necessary to obtain an assessment or an offer for you, and only for the lender or lenders you have agreed to approach.
- An assessment is not an offer. An eligibility check is our opinion of what you are likely to qualify for. It is not an offer of credit and it does not guarantee approval. Every approval, rate, fee and term is decided solely by the lender, and the lender may reach a different conclusion to ours.
- Rates on this website are indicative. Figures shown anywhere on this site, including the repayment calculator, are illustrative only. They vary with your credit profile and each lender's criteria, and they do not constitute a quote or an offer.
- Your data, and how to get it removed. You consent to Singa Advisors collecting, using and retaining your personal data for the purposes above, in accordance with the Personal Data Protection Act 2012. You may withdraw that consent, and ask us to delete the documents we hold for you, at any time by contacting us on the number below. We will act on that request within a reasonable period, except where we are required by law to retain a record.
- Limitation of liability. To the maximum extent permitted by law, Singa Advisors accepts no liability for any loss or damage arising from a lender's decision, from the terms of any facility you choose to accept, from any delay in a lender's process, or from your reliance on any indicative figure published on this website. You are responsible for satisfying yourself that any financing you accept is affordable and appropriate for your circumstances. Nothing in these terms excludes or limits any liability that cannot lawfully be excluded or limited.
- We are not a lender. Singa Advisors is a financing advisory practice. It is not a bank and not a licensed moneylender, and it does not issue loans. All financing is arranged through banks, licensed lenders and financial institutions on our panel.
Questions about any of this before you send anything? Ask first, on WhatsApp. A sensible question about how your data is handled is always worth asking.
Rather just talk it through first?
Message me and describe your situation in your own words. No documents needed to start the conversation.
Start a WhatsApp Chat