Living and working in a new country can be challenging — especially when it comes to finances. At Lendify, we believe that being a foreigner shouldn’t stop you from getting the help you need.
Whether it’s for an emergency, family support, or just bridging a financial gap, we connect you with licensed lenders, financial institutions, and MAS-approved loan providers in Singapore to provide fair and transparent foreigner loan options.
A foreigner loan is a personal loan offered to non-citizens residing in Singapore. It’s designed to help expats and foreign workers cover short-term or unexpected financial needs — without the hassle of rigid requirements or unclear terms.
At Lendify, we match you with legal, licensed lenders who understand the needs of foreigners in Singapore — no tricks, no surprises.
You may be eligible if you:
Lendify Tip: The better your job stability and income, the better the loan terms you’re likely to receive.
We believe everyone deserves fair access to financing, regardless of nationality.
| Consideration | What to Keep in Mind |
|---|---|
| Interest Rates | Typically higher than loans for locals |
| Loan Amount | Usually tied to your monthly income |
| Repayment Tenure | Shorter terms (typically 3 to 12 months) |
| Currency Support | Loans are issued in SGD |
While you can apply with banks or licensed moneylenders individually, using Lendify allows you to compare a wide range of personal loan options all in one place—saving you time and helping you secure the most competitive offer.
1. Submit Your Application Online
2. Verify Your Details with Our Loan Specialist
3. Your Case is Published on Our Marketplace
4. Lenders Contact You with Offers
5. Choose an Offer and Receive Your Funds
A foreigner loan in Singapore is a personal loan specifically designed for non-Singapore Citizens and non-Permanent Residents who are working or living in the country. While the loan serves a similar purpose to a personal loan for locals—such as for consolidating debt, covering a large expense, or managing cash flow—the eligibility criteria and loan terms are often different due to the borrower’s non-permanent status.
Annual Income Between S20,000: The maximum loan amount is S$3,000.
Annual Income S$20,000 or more: The maximum loan amount is capped at 6 times your monthly income.
From Banks
For borrowers with an annual income less than S$120,000: The maximum loan amount is 4 times your monthly salary
Due to shorter credit history in Singapore and perceived higher risk, lending terms for foreigners tend to be stricter than for locals.
Easily compare offers from licensed lenders and reputable financial institutions in Singapore — all in one place.
