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 apply for a Debt Consolidation Loan with KST Credit?

Easy Repayment

Refinance all your loans into one consolidated payment.

Longer Tenure Period

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.


Status: Singaporeans, Permanent Residents

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

Status: Singaporeans and Permanent Residents

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

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

Other Documentations:

  • Bizfile document
  • Director Details
  • Other details if required

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 applying for a debt consolidation loan?

Upon successful application, you will receive your debt consolidation loan within 30 minutes based on the day of application.


How long is the repayment period?

Repayment period is subjected to approval, based on income and eligibility.