What is a personal loan? 什么是个人贷款？
A personal loan is borrowed money you repay in fixed instalments over an agreed period. It is commonly used for medical bills, education, home repairs, travel or consolidating other debts.
个人贷款是按约定期限分期偿还的借款，常用于医药费、教育、房屋维修、旅游或整合债务。
Who may consider one? 适合哪些人？
Salaried employees and self-employed individuals with a steady income who need a set amount for a specific purpose and can comfortably afford the monthly instalment.
Documents commonly required 常见所需文件
Usually a copy of your IC, recent payslips or bank statements, and proof of address. Self-employed applicants typically provide business registration and bank statements instead of payslips.
一般需要身份证副本、近期薪水单或银行月结单及住址证明。
Before you apply 申请前须知
Work out how much you really need, compare the total repayment amount — not just the monthly instalment — and make sure you understand all charges. Never borrow to repay another loan without a clear plan.
General information only — not financial advice. Every application is assessed individually and approval is not guaranteed. 仅供一般参考，并非财务建议。