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Lifestyle Loan

Lifestyle Loan


Get fast approval and easy access to advance cash that caters to your lifestyle needs.


From your dream wedding plan to your new car, everyone has something that they aspire to.  KST Credit is here to offer some financial support.

Why borrow a Lifestyle Loan with KST Credit?

Flexible Repayments

Loans that fit your lifestyle

KST Credit provides lifestyle loans to all working professionals in Singapore, with no impact on your credit score.

New home? A new gadget you have always wanted?  We provide loans that are suited to your needs.

Zero Impact on your credit score

Borrow up to 6X your monthly Salary.


Focus on fulfilling your aspirations, and let us handle the rest.


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

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:

  • Proof of Entrepass

  • Bizfile document

  • Director Details

  • Other details if required

Citizenship: Singaporean, Permanent Residents & Foreigners

Age: 21 – 65

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

Citizenship: Singaporean, Permanent Residents & Foreigners

Age: 21 – 65

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

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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