2 January 2022

Having sufficient money can help you achieve your New Year’s goals.  However, if you don’t have enough cash, taking a personal loan in Singapore is something worth considering.

With a personal loan, you can get a relatively substantial sum of fast cash, and this is useful if you already have big goals and plans for New Year.

Let’s find out the top 6 worthy goals to achieve with personal loans in Singapore.

Goals You Can Reach in 2022 With Personal Loan

Build An Emergency Fund

Emergency Fund

An emergency fund will allow you to tide through unexpected expenses. For instance, you can use it to pay any unforeseen medical bills that come your way.

However, if you don’t have an emergency fund, you will be forced to use the existing pool of money which you may need for your daily expenses. This can be quite financially taxing for many of us.

Borrowing money from relatives or friends is also not an option as it can be awkward and uncomfortable.

So, if you haven’t set up an emergency fund, you may consider taking up a personal loan. Unlike other types of loans, you can use a personal loan for almost anything – it is flexible!

Moreover, it is easy to apply.  Licensed moneylenders in Singapore can approve your loans in minutes. You don’t have to wait for days or months to start build your emergency fund.

We can’t predict what will happen in the future. Therefore, it is better to be prepared and set aside an emergency fund.

To Consolidate Your Debts

Do you currently have multiple debts with relatively higher interests, such as your credit card bills? It might be giving you headaches.

If so, getting a personal loan from licensed moneylenders in Singapore can be a viable option to consolidate your debts.

Licensed moneylender can only charge a maximum interest rate of 4% per month.

Moreover, it can make debt repayment easier. You don’t have to struggle to remember all the repayment dates of your debts. You can also choose to negotiate for a loan tenure that you are most comfortable with.

Additionally, you can also customise your monthly repayment dates i.e. based on your capacity to repay.

You can get further benefits if you are applying for a personal loan from licensed moneylenders:

  • Quick And Easy Application
  • Fast Approval
  • Less Stringent Requirements

Taking a loan from licensed moneylenders can help you avoid getting scammed.

Learn how you can protect yourself from personal loan scams in Singapore here.

Making Your Dream Wedding Come To Life

Wedding Loan in Singapore

On average, a wedding in Singapore costs about S$30,000 to S$50,000 and can go up to a whopping S$100,000. The cost depends on the type of wedding and the number of guests invited.

Below are the different components of a typical wedding in Singapore and how much they cost:

Wedding Component Estimated Cost
Wedding banquet S$18,000 to S$30,000
Bridal package S$3,000 to S$6,000
Wedding bands S$2,000 to S$6,000
Wedding photography S$2,500 to S$4,000
Wedding dowry or gifts S$500 to S$5,000
Miscellaneous S$1,000 to S$2,000
Total S$27,000 to S$53,000

Source: Value Champion

Sometimes, one might not have enough savings for this big day. To make your dream wedding come true, taking a personal loan can be an ideal option.

You can use a personal loan to fund your wedding expenses. At the same time, it is easy to apply, with a flexible repayment schedule.

Moreover, taking a personal loan for your wedding expenses forces you to stick with a budget. You need to tell the lender the amount you intend to borrow.

Before taking a personal loan, make sure that you carefully plan how much money you will need for your wedding.

After all, you wouldn’t want to borrow too little, which is not enough.  Neither do you want to borrow too much since you will be paying more interest.

Boosting Your Property Value With Home Improvements

Home improvement is a great way to improve your home’s comfort, aesthetics, security and overall value.

If you have experience in home improvements previously, you will know that even very small changes or alterations can cost you a large sum of cash.

Couples in Singapore typically spend an average of S$50,000 to S$60,000 on home renovations.

If you don’t have enough savings, you probably can’t afford to push through your home improvement project.

But, don’t worry, a personal loan comes in handy here to cover your home improvement expenses. You can use it for any home improvements or repair projects such as kitchen or bathroom remodel.

Furthermore, you can also use it to pay for emergency repairs such as fixing your windows or doors.

Here are the key features of a personal loan and why it is a good option for home improvements and repairs:

  • No collateral needed
  • Flexible loan tenure
  • Fast and easy application
  • Quick approval
  • Affordable interest rates

Making A Big Purchase

Making a Big Purchase

Buying large appliances or electronic devices can be expensive. You may not be able to afford it with your current savings. In this case, you can consider taking out a personal loan.

Moreover, getting a personal loan can sometimes be a cheaper option to charging the purchase to a credit card.

With the cash received from a personal loan, it may be possible to negotiate for a better price with the merchant. Moreover, you can choose a preferred loan tenure where it is easier to work out your budget and plan your repayment schedule.

All you have to do is apply for a personal loan with a lower interest rate.

Taking a Vacation

A good way to relieve stress is by taking a break.  A quality break from work or the usual hectic schedule can give you a good reset and boost your productivity.

However, vacations can be expensive, and your savings might not be enough.

But, don’t worry, you can still go on your dream vacation with a personal loan. You may use it to pay your travel expenses such as transportation, meals, hotels, and other costs.

In addition, a personal loan can be a quicker and cheaper option. You can quickly apply for it using a licensed moneylender’s online form or via Myinfo, and they can approve it within minutes. In addition, it may be a better alternative to credit cards.

Unlike credit cards, it is not easy to overspend. You will end up sticking to a budget that depends on the loan amount approved. Furthermore, you can choose a loan tenure based on your ability to pay.

Discover the benefits of using a personal loan in Singapore for your vacation here.

The Bottom Line

Personal loans are known for their versatility and flexibility. You can use it for any purpose.

However, when taking out a personal loan, ensure that you only borrow from a licensed moneylender in Singapore to avoid getting scammed or paying higher interest rates. Please stay away from illegal lenders.

You may follow some tips here to get the best personal loan in Singapore.

In addition, don’t forget to be a responsible borrower, make sure that you pay on time. Remember, late repayments will incur late repayment fees.

Moreover, failure to repay on time can affect your credit score. It can signal to financial institutions that you are more likely to default on the loan.

A Personal Loan In 8 Minutes.
That’s how fast it takes.

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Personal Loan
4 Types Of Personal Loan In Singapore You Should Know

It is tough sometimes when we land ourselves in unexpected situations that require immediate financial assistance, such as medical emergencies or investment opportunities. At times like this, taking out a personal loan in Singapore could be a viable option to ease your financial burden.  A personal loan is a type of unsecured loan that does […]

Personal Loan
Personal Loans In Singapore: What To Consider When Applying

Personal loans can seem like a mystery. What are they? When should you take them? How do you go about applying for personal loans in Singapore? A personal loan is a lump sum of money borrowed from a bank or licensed money lender, which you have to pay back in instalments (fixed payments) over a […]

Personal Loan
How To Get A Personal Loan In Singapore Even With A Bad Credit Score

Whether it’s to buy a first home or pay for education, most of us probably need to take a loan at least once in our life. However, not all loan applications can turn out successful. If you’ve applied for a personal loan in Singapore before but it got rejected, it could be due to your […]

Blogs and Opinions
Licensed Money Lender in Singapore Vs Bank: Key Differences

Getting married and buying a home are some of the most significant milestones and expenses you’ll incur when adulting. The last thing you want is to be strapped for cash. When that happens, most people think of borrowing money to tide them through the rough patch. You’re usually faced with two choices – should I […]

Personal Loan
Top 5 Personal Loan in Singapore Myths Busted

It’s pretty common to take up a car loan and/or a housing loan, especially since it’s costly to own a car and a home in Singapore. But when it comes to taking a personal loan in Singapore, it’s usually perceived as the result of poor financial management.  Depending on the circumstances, taking a personal loan […]

Company News
Advisory on COVID-2019

In light of the COVID-19 situation, Crawfort Singapore has stepped up and implemented additional precautionary measures at our outlet.

Media
单枪匹马赴菲“拓荒”寻商机

一般人对菲律宾的印象,总停留在治安欠佳和交通拥堵。然而,不能忽视的是,菲律宾有上亿人口,而近年经济增长也保持强劲,可谓商机处处。Crawfort正是看到了这个商机,希望能够为那些懂得数据科技,却无法充分从传统金融机构获取服务的消费者提供服务。

Company News
Crawfort Is Awarded
ISO 9001 : 2015

Crawfort is proud to be awarded the TUV ISO 9001 mark of quality, and will continue to provide excellent quality of services.

Company News
Crawfort Is Honoured To Be Awarded The Singapore Prestige Brand Award (SPBA) 2019

We are pleased to announce that Crawfort has been awarded The Singapore Prestige Brand Award (SPBA) 2019 – Promising Brands. Into its 18th year, SPBA seeks to recognise and honour distinguished brands for their outstanding achievements in branding. Our team went through rigorous rounds of judging by stellar industry professionals who evaluated us based on […]

Media
10 Business Leaders Recognised As Entrepreneur Of The Year

From training aspiring pilots to lending money, 10 local entrepreneurs received the Entrepreneur of the Year Award (EYA) 2019.

Media
The Breakfast Huddle

Find out how we can help F&B SMEs scale their businesses.

Media
CEO Conversation: Transforming Into A Digital Financial Services Provider

Find out how our Group is leveraging technology to serve underbanked customers in the region.

Media
The Case For Alternative Lending

In the last decade, we have witnessed rapid growth in the alternative lending space, with the creation of new business models opening up the range of alternative lending products available.

Media
How Fintech Is Driving Innovative Lending?

In Singapore, SMEs account for around two-thirds of the workforce and a large chunk of GDP growth. And if these firms can’t get funding, their failure to thrive has a dampening effect on the larger economy.

Company News
Crawfort Joins Singapore’s Fastest Growing Businesses

Crawfort rewrites the rules when it comes to moneylending solutions.

Media
Crawfort: Breaking Stereotypes Through Innovation

Innovative business Crawfort is rewriting the rules when it comes to moneylending solutions

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