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Debt Consolidation Loan

Debt Consolidation Loan


Consolidate your multiple loan repayments, and unsecured loans across all licensed moneylenders into one fixed monthly payment with KST Credit.


Now you can easily manage your finances!

Why borrow a Debt Consolidation Loan with KST Credit?

Easy Repayment

Longer Tenure Period

Refinance all your loans into one consolidated payment.

By applying for a debt consolidation loan, you can repay your loans over a longer period.

Lower Interest Rates

Apply for a debt consolidation loan with KST Credit and stand to enjoy lower interest rates for your loan repayments.


For Fixed Salary Employees
For Fixed Salary Employees
For Commision-based Employees
For Commision-based Employees
For Self-Employed Individuals
For Self-Employed Individuals

Citizenship: Singaporean, Permanent Residents & Foreigners

Age: 21 & Above

Employment Status: Full-time or Self-employed

Documents needed:

  • NRIC/FIN/Passport

  • Official company payslip – 3 Month minimum

  • Official CPF Statement containing a record of contribution – 3 months minimum

  • Latest Income Tax assessment record

Other benchmarks considered:

  • Employment stability

  • Fixed pay schedule

  • Job position and job description officially documented in an appointment letter

You are eligible if you are a business owner who may or may not be part of the following:

  • A sole proprietorship, or Limited Liability Partnership (LLP)

  • A private limited company

  • A corporation

Foreign nationals applying for the loan under this type of employment need to provide identification from their home country as well as their latest income tax assessment.

Other Documentations:

  • Bizfile document

  • Director Details

  • Other details if required

Citizenship: Singaporean, Permanent Residents & Foreigners

Age: 21 & Above

Employment Status: Full-time or Self-employed

Minimum requirements:

  • Your current line of work should be a sales role, such as Business Development, Client Services or related

  • Agents involved in insurance and real estate are welcome to apply

  • You are part of a legitimate company

  • Your commission reflects the company’s sustainable marketing model

Foreigner requirements:

  • CPF Statement with at least 3 months of contributions from your current employer

  • Latest income tax assessment

KST Credit Pte Ltd reserves the right to request for other documentary materials and proofs of income on a case-by-case basis.

When will I receive my loan after application?

With the relevant documents, your application process may take just under 5 minutes.

You will receive your loan amount within 24 hours based on the day of application.

How long is the repayment period?

The repayment period ranges between 3 – 12 months, depending on your eligibility.

Apply Now
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