Greenlights Partners

Personal financing, made clearer.

Explore structured financing and credit-profile solutions based on your income, current commitments, repayment history and individual eligibility.

Personal Solution 01

CBS Repair & Optimisation

Build a stronger credit position through a structured review of your current facilities, repayment conduct and financing profile.

Credit Support

Areas We May Assist With

01

Establish your first financing facility to begin building a GX or CX credit profile.

02

Explore financing options after previous defaults have been fully settled.

03

Work towards improving an existing CBS rating, depending on your repayment history and individual circumstances.

04

Review possible ways to restructure high credit-card balances into more manageable monthly repayments.

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Every credit profile is different. Improvement timelines and financing outcomes depend on your repayment history, income, existing liabilities and the financier’s internal assessment.

Request a Credit Review

Personal Solution 02

Bank Personal Financing

Unsecured financing options assessed according to your income, credit standing, existing obligations and applicable Balance-to-Income requirements.

Bank Financing

Indicative BTI Framework

  • Annual Income S$20,000 – S$29,999

    • Up to 2× monthly income per bank
    • Up to 12× monthly income across all banks

  • Annual Income S$30,000 – S$119,999

    • Up to 4× monthly income per bank
    • Up to 12× monthly income across all banks

  • Annual Income Above S$120,000

    • Higher limits may be considered by individual banks

Indicative Financing Overview

  • Financing Limit
    Subject to income and credit assessment
  • Indicative Interest
    From approximately 2.65% p.a.
  • Financing Tenure
    Up to 60 months
  • Processing Period
    Approximately 1–3 working days
  • Indicative Approval
    Based on income and individual bank assessment
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We may compare suitable financing options across participating banks while considering your current BTI, TDSR and overall repayment commitments.

Check Your Eligibility

Personal Solution 03

Licensed Moneylender Financing

Short-term financing options for applicants who require a faster assessment process or may not qualify for conventional bank financing.

Short-Term

Indicative Financing Overview

  • Maximum Limit
    Up to 6× monthly income, subject to applicable limits
  • Indicative Interest
    Subject to the licensed lender’s terms
  • Repayment Tenure
    Usually short-term
  • Processing Period
    Potential same-day assessment
  • Approval Amount
    Based on income, obligations and lender assessment
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Interest, late-payment fees, repayment schedules and total borrowing costs should be reviewed carefully before accepting any licensed moneylender facility.

Request an Assessment

Personal Solution 04

Bank Renovation Financing

Finance eligible home-improvement works with support for preliminary assessment, document preparation and bank submission.

Home Financing

Indicative Financing Overview

  • Maximum Limit
    Up to S$30,000 per eligible applicant
  • Indicative Interest
    From approximately 2.58% p.a.
  • Financing Tenure
    Up to 60 months
  • Processing Period
    Approximately 3–7 working days
  • Use of Funds
    Eligible renovation and improvement works
✓

Our assistance may include an initial eligibility review, document checklist preparation and coordination before your application is submitted to a participating bank.

Discuss Your Renovation

Personal Solution 05

Hire Purchase Vehicle Financing

Explore bank or in-house hire-purchase options for vehicle purchases, including selected direct-owner transactions.

Vehicle Financing

Bank Hire Purchase

  • Indicative Deposit
    From approximately 40%
  • Indicative Interest
    From approximately 2.69% p.a.
  • Financing Tenure
    Subject to vehicle age and eligibility
  • Processing Period
    Approximately 1–3 working days
  • Approval Amount
    Subject to vehicle value and credit assessment

In-House Hire Purchase

  • Indicative Deposit
    Potentially lower upfront deposit
  • Indicative Interest
    Subject to financier and vehicle profile
  • Financing Tenure
    Subject to vehicle age and eligibility
  • Processing Period
    Potentially 1–2 working days
  • Approval Amount
    Based on deposit, income and vehicle valuation
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Deposit requirements, interest rates, financing tenure and approval amounts depend on the vehicle’s value, age, PARF eligibility and the respective financier’s assessment.

Check Vehicle Eligibility

Financing limits, interest rates, fees, repayment periods, processing times and approval outcomes are indicative only. All applications remain subject to eligibility, credit assessment, prevailing regulations and the respective bank or financier’s final terms and conditions. Greenlights Partners does not guarantee financing approval.