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Personal Loans

At FR!DAY Finance, we tailor our loans to fit your unique needs.

Friday Finance Personal Loan

Friday Finance free personal loan protection insurance* and refunds 50% of your admin fees to you when you complete your repayment fully and on time.

Debt Consolidation Plan

Streamline your finances by consolidating debts with a single, low-interest monthly bill repayment.

Renovation Loan

Transform your dream home hassle-free with swift approval and competitive interest rates on our renovation loan.

Student Loan

Focus on your education and alleviate your financial concerns with the Friday Finance Student Loan.

Payday Loan

Get access to cash to bridge emergency cash flow gaps with our Payday loan

Wedding Loan

From dreams to everlasting memories with our tailored Wedding Loans.

Start-up Loan

Fueling Entrepreneurial Dreams: Empower your start-up journey with our strategic Start-up Loans.

GIG/Self-Employed Hereos

At Friday Finance, inclusivity is our commitment. We aspire to offer financing solutions to individuals who require them, without discrimination.


Flexible loan repayment tenor from minimum 6 months to maximum of 24 months
Interest Rates
Admin Fees
6, 12, 18 or 24 months
From 1.8% p.m.
From 6.0% one time fee (50% refund)*

Frequently Asked Questions

Borrowing from Friday Finance vs Banks

Advantages of Borrowing from Friday Finance

1. Ease of application:
Our application process is streamlined to just one step using MyInfo

2. Speed:
Unlike traditional banks that may take several days to process your loan application, get an indicative offer sent to you immediately as long as you provide us with necessary documentation and information for our credit assessment.

3. Lower eligibility criteria:
i. NOA >$30,000
ii. CBS: Generally have a minimum score/ grade specific to each bank

Friday Finance:
i. NOA: No restrictions
ii. CBS: No restrictions

Am I eligible?

a. Minimally 21 years old
b. Gainfully employed with NOA or CPF contribution
c. Must be Singaporean/PR

What documents do I need to submit?

CBS report

How many loans can I take up?

While there are no limitations on the quantity of loans from money lenders, constraints exist on the loan amount. If you hold multiple loans, we advise considering a Debt Consolidation Plan, which combines various debts into a single loan. This simplifies your financial management and helps prevent defaults.

How much can I loan?

Up to 6 times of Gross Monthly Income. The amount of Loan Quantum we offer will be assessed based on three factors

i. Income and debt to income ratio
ii. Past credit records
iii. MinLaw Regulatory Constraints

How long can I loan for?

We offer loan tenure from 6 - 18 mths

Why did I receive a lower loan amount than requested in my application?

a. Regulatory and Policy Constraints
Since we are Licensed Money Lenders regulated by MinLaw, there are various internal policies can impact the approval and amount of loans. These may include legal limits loan amounts, and other factors.

b. Incomplete or Inaccurate Information
Inconsistencies or missing details in your loan application, may adversely impact the final the loan offer. To optimize your loan application, please provide the most accurate and updated information.

What is your interest rate?

Be rewarded for a sterling credit record: Instead of adhering to a fixed interest rate for all applicants, Friday's tiered system gives the best rates yo our best customers. Our interest rates starts from 1.8% subject to individual assessment on a case-by-case basis.

How much is your admin fee?

Our admin fees follow the same tiered system as our interest rates, starting from 6% of the loan amount.

Will I be charged for making early repayments?

No, our goal is to promote positive credit behavior, assisting our clients in establishing a strong credit history.

Friday Finance is a product of IFS Consumer Services Private Limited, a licensed moneylender regulated by the Registry of Moneylenders of the Ministry of Law in Singapore