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Personal Loan

Personal Loan


Whether you are financing a brand new car, paying for your child’s school fees, planning your next holiday trip, or raising funds for a medical emergency, KST Credit can help you fulfill your dreams and short-term financial needs.

Why borrow a Personal Loan with KST Credit?

We are a company operated by industry veterans and credit experts in this fast-changing financial climate.

Fast & Flexible

Borrow up to 6X your monthly Salary.

Speak to our credit consultants regarding flexible repayment options!

Your Trust Matters

When you apply with us, you are on the right track to your personal goals.


Let your aspirations take flight when you borrow a loan with us today.

No Exorbitant late fees

As a licensed Moneylender, our loan policies are aligned with MAS and Ministry of Law.


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.

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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