Let’s find the loan offer you actually deserve.
FundBright compares personal loans from licensed lenders in Singapore using our inverse-commission model: lenders pay us less when they charge you less — so competing for you means putting their lowest rate forward.
One soft credit check, multiple offers, no obligation.
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Clear, fair, simple.Clear, fair, and simple
Tell us what you need
Your estimated monthly repayment:
$430 – $533
Find My OfferThis is an estimate based on rates from our lending partners. Your actual repayment will depend on your profile and the lender you choose.
* Example: a $5,000 loan over 24 months with a monthly interest rate of 2.5% and a 10% admin fee (total 35% APR), translates to a monthly instalment of $280 and a total repayment amount of $6,710. Your individualised APR will be confirmed at the end of your application. Min. APR 24%, max. APR 58%. Repayment period min. 3 months, max. 36 months.
Feeling lost?There’s a brighter path.Feeling lost? There’s a brighter path.
Why our customers love usA better way to find your loan
Competitive by design
Verified lending partners
Full picture, upfront
One form, multiple offers
Get your offer in 3 easy stepsHow it works
Tell us what you need
Help us better understand your situation by filling a quick formThe more we know, the better your matches.
Get personalised offers
Receive offers from multiple licensed loan providers tailored to your needsReal offers based on your profile, not generic estimates.
Choose and finalise
Pick your preferred loan provider from our recommended listCompare your offers and pick what works best for you.
Let’s find the offer you actually deserve.Let’s find the offer
you actually deserve.
checking will not affect your credit score
Ready for a
deeper dive?
Most comparison platforms earn the same fee from every lender, regardless of the rate the lender quotes. That structure gives lenders no reason to price lower. The only way a lender wins your business is by bringing their actual best offer to the table — and that only happens when the platform’s own incentive is aligned with yours. FundBright’s commission falls when the lender’s rate falls. So lenders compete on the rate you receive, not on who pays the platform the most.
For the full explanation of how the inverse-commission model works — including why rates in Singapore cluster near the regulatory maximum and what changes when the commission structure is inverted — see How the inverse-commission model works.
- How is FundBright different from other loan comparison platforms?
- What is FundBright?
- Will comparing on FundBright affect my credit score?
- What happens after I submit the form?
How is FundBright different from other loan comparison platforms?
Most platforms charge lenders a flat commission, so lenders recover that fixed cost by quoting at or near the regulatory maximum, regardless of how strong your profile is. FundBright’s commission drops when the lender’s rate drops. Best offer wins.
What is FundBright?
FundBright is a personal loan comparison platform in Singapore. It is not a lender. FundBright connects borrowers with licensed moneylenders who compete to offer the best rate, using a commission model where lenders pay less when they offer lower rates.
Will comparing on FundBright affect my credit score?
No. FundBright runs a soft enquiry within our lender network. No hard check occurs at the comparison stage. A hard check takes place in person at the lender’s office, only after you have selected an offer and provided your consent.
What happens after I submit the form?
Lenders in FundBright’s network review your application and return personalised offers based on your profile. You compare the offers and choose the one that works for you. If you accept, FundBright helps you schedule the in-person identity verification required by the lender. You stay in control at every step.
In Singapore, credit cards roll over at around 27% per annum. Licensed moneylender loans are capped at 4% per month under the Moneylenders Act (Cap. 188) — close to 48% annualised — and most borrowers are quoted at or near that ceiling, regardless of their profile. That gap, between the rate you qualify for and the rate you are offered, is not inevitable.
| Channel | Average EIR (per annum) |
|---|---|
| Banks | ≈4% |
| Digibanks | ≈8% |
| Credit cards | ≈27% |
| Through FundBright | 24–58% APR, ≈40% average |
| Licensed lenders (quoted at the ceiling) | ≈60% |
How to read the chart: licensed moneylender interest is capped at 4% per month under the Moneylenders Act (Cap. 188) — 48% per annum nominal, or close to 60% as an effective annual rate when quoted at the ceiling month after month, which is what most walk-in borrowers receive. Credit cards roll over at around 27% per annum, while bank and digibank personal loans average roughly 4% and 8% but are available mainly to higher-income profiles. Offers made through FundBright fall between 24% and 58% APR because lenders pay FundBright less when they quote lower — the potential savings shown are the gap between a ceiling quote and a competitive quote for the same borrower.
- Does FundBright charge me anything?
Does FundBright charge me anything?
No. FundBright is free for borrowers. There is no comparison fee, application fee, processing fee, or success fee. FundBright is paid by the lender on disbursement, using the inverse commission model.
See the difference for yourself.
Get My OffersEvery lending partner on FundBright is licensed under the Moneylenders Act Cap. 188. FundBright verifies each partner’s licence against the MinLaw Registry of Licensed Moneylenders before any borrower is matched. FundBright is not a lender — it does not disburse loans, set rates, or handle repayments. Borrower data is processed under the Personal Data Protection Act (PDPA) and shared only with the lenders matched to your application.
- Is FundBright a licensed moneylender?
- Is FundBright safe to use?
Is FundBright a licensed moneylender?
No. FundBright is a personal loan comparison platform, not a lender. Every loan is granted by the licensed moneylender the borrower selects. FundBright facilitates the comparison, not the lending.
Is FundBright safe to use?
Yes. Every lending partner on FundBright is governed by MAS, licensed under the Moneylenders Act Cap. 188 and verified against the MinLaw Registry. FundBright processes your data under the Personal Data Protection Act (PDPA). Your personal and financial information is shared only with the lenders matched to your application. FundBright never routes borrowers to unlicensed moneylenders.
Find Your Offers.
Because lenders on FundBright compete on rate rather than commission, your best personal loan offer is one form away.
One form.
Lenders compete. No priority, no favourites.
Best offer wins.
Let’s find the offer you actually deserve.Let’s find the offer
you actually deserve.
checking will not affect your credit score