What is the maximum loan amount I can take?

This is dependent not only on client’s assessed ability to repay, but also importantly, on his or her annual income.

How can I borrow twice my monthly salary?

Your annual income needs to fall between $20 000 to $30 000.

How can I take up a loan that is 4 times my monthly salary?

Your annual income needs to be at least $30 000 or more but less than $120,000

Is a Guarantor needed?

We do not need a guarantor in most cases.

Will I be still be granted a loan if my credit rating is poor?

Your annual iYes, we may still grant a loan. We will assess your financial health and discuss with you a manageable plan to both ensure responsible lending as well as borrowing.ncome needs to be at least $30 000 or more but less than $120,000

Can I still apply if i have existing loans with other banks or moneylenders?

Definitely yes. Our professional consultants will take pleasure in providing you with a structured loan plan based on your financial capacity.

What are the repayments mode?

You can make repayment of your loan installments through island wide ATM deposit or online transfer to any of our local bank accounts. Alternatively you can also make repayment in cash at our office.

I need to take up a loan for significant renovation expenses, is there a limit?

Yes, the loan amount you are eligible for is dependent upon your annual income. A joint loan with a spouse is recommended.

I need a loan for defraying medical bills, is there a limit?

Yes, the loan amount you are eligible for is dependent upon your annual income