You are able to apply your loan via our online loan application form that is easy to complete, or subsequently you may drop by our office at:
Credit Excel Pte. Ltd.
192 Waterloo Street
#05-04, Skyline Building
Singapore 187966
Phone: 6337 0055
The interest rates that we are offering at the moment would be 4% monthly.
Here are some of the fees that we are not suppose to imposed on our customers:
- A late Repayment Fee that does not exceed an amount of S$60.00
- A fee that does not go above 10% of the principal loaned amount upon approval
- Any legal cost ordered by the court that is being used to successfully reclaim any loans
Secured Loans:
- No Restriction to any amounts
Unsecured Loans:
- If your annual income is less than S$20,000 : Up to of S$3,000
- If your annual income is S$20,000 or more but below S$30,000 : Up to 2X of your monthly income
- If your annual income is S$30,000 or more but below S$120,000 : Up to 4X of your monthly income
- If your annual income exceeds S$120,000 : Any amount that you need
YES, you should not be coerced or pressured to take out any loans if it is not what you are looking for in terms of any deplorable clauses or even personal reasons.
- Double check on the loaned amount to ensure that it is the correct amount
- Make prompt repayments to avoid any late payment fees or interests imposed
- Each time after a repayment is being made, ensure that you are being issued a dated and signed receipt if it is made in cash.
- Check on your name, amount, date, on the correctness of every detail
- Double check that you are being issued a statement of account for all loans at least every 6 months
- Retain and file up all physical copy of proofs as documentation and evidence of payments.
- Double check on the loaned amount to ensure that it is the correct amount
- Make prompt repayments to avoid any late payment fees or interests imposed
- Each time after a repayment is being made, ensure that you are being issued a dated and signed receipt if it is made in cash.
- Check on your name, amount, date, on the correctness of every detail
- Double check that you are being issued a statement of account for all loans at least every 6 months
- Retain and file up all physical copy of proofs as documentation and evidence of payments.
You are able to make your loan repayments/instalments through any ATM machines, or Ibanking online transfers to any of our local bank accounts. Likewise, you can also make your repayment ONLY in cash at our office if you are nearby.
YES, Loans can still be taken out once we have gone through auditing your financial capabilities to ensure that responsible borrowing and lending is being conducted. A flexible repayment plan will be discussed mutually for the ease of both parties.
YES, you are still able to take out another loan. Our loan consultants will run through and plan a repayment scheme to cater to your current financial capability.
NO, you do not need any Guarantor to take out any loans at all.
