365 Credit Solutions Pte Ltd is a licensed moneylender (License No. 17/2024) listed in the Registry of Moneylenders, under the Ministry of Law in Singapore.​

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CPF Personal Loan

Simple, fast, and reliable money for your emergency financial needs.

365 credit cpf personal loan
best cpf personal loan

Get A CPF Personal Loan That You Can Trust

Worried about your finances? With today’s tough economic conditions, it’s understandable that you’ll need to cover your bases in case of an emergency.

Whether it’s for home repairs or credit card bills payment or medical emergencies, a CPF personal loan is the perfect solution for your financial needs. With this unsecured loan, you can borrow up to 6x your monthly income without putting your assets at risk. Our low interest rates make it easy to borrow what you need without adding financial strain.

With us, you can get the cash you need when you need it most. Our CPF personal loan packages are available to individuals who are turning 55 years old. To apply, you’ll need your CPF savings.

Benefits of Choosing 365 Credit Solutions

Instant Cash

Secure funds in less than an hour. Because time is money.

Tailored For You

Best rates in a plan designed just for you.

Safe & Secure

Your data, our responsibility. Your information is safe with us.

Zero Hidden Charges

What you see is what you get. Honesty in every transaction.

Flexible Repayments

Custom plan that suits your financial needs. Tenures of up to 12 months.

Want to Get a CPF Personal Loan With Us?
Follow These Simple Steps Below!

Apply Online

Apply Online

Fill out our quick application form.

Await A Call

Await A Call

Our loan officer will contact you for eligibility questions.

Receive Funds

Receive Funds

If eligible, you can collect your cash at our office after discussing terms and signing the contract.

cpf loan eligibility


At least 54 years old or individuals

who are about to reach 55 years old can apply for CPF personal loan.

Minimum Salary of SGD2,000

for Singaporean Locals & PRs

Eligible to withdraw at least SGD5,000 from Special or Ordinary Account Savings


cpf personal loan requirements
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Frequently Asked Questions

A CPF personal loan is a new initiative with a similar concept to unsecured loans. It allows you to borrow against your CPF savings. With this loan, you can put your CPF savings to work for you when you need it most.

With a CPF loan, you can borrow up to 6 times your monthly income. Lastly, the interest rate is capped at 4% per month and it must be repaid between 6 to 12 months or until your 55th birthday, depending on your loan plan.

Personal Loan CPF Personal Loan
Eligibility At least 21 years old Age eligibility is at least 54 years old or turning 55 years old   Must be eligible to withdraw at least SGD5,000 from Special or Ordinary Account Savings
Loan Amount Borrow up to 6x monthly income Borrow up to 6x monthly income
Interest 1% to 4% interest rate per month 1% to 4% interest rate per month
Tenure 6 to 12 months loan tenure 6 to 12 months loan tenure or until 55th birthday

Since you will be borrowing against your CPF savings, it is crucial to know what you are going to use the money for. Next, consider your repayment capabilities. Compare and find the best CPF loan plan to avoid financial strains later on.

But most importantly, make sure that you are dealing with a credible and licensed money lender in Singapore. Verify whether they are licensed and registered with Singapore’s Ministry of Law. You can find the complete list of licensed money lenders on the Ministry of Law’s website.

A licensed money lender in Singapore can only charge a maximum interest rate of 4% per month for a CPF personal loan. This cap is applied regardless of your income.

On top of that, a licensed lender can also only charge a maximum late interest of 4% per month for each month the CPF loan is repaid late. The interest rate is charged based on the principal remaining balance after deducting all the payments made.

For example: Mr. Y has taken out a CPF loan of SGD10,000 and has repaid SGD3,000. Only the remaining SGD7,000 can be taken into account for the computation of the interest rate.

Additionally, the late interest can only be charged on the amount that is repaid late. The licensed money lender is not permitted to charge on a CPF loan amount that is outstanding but not yet due to be repaid.

Using the same example, let’s assume that Mr. Y fails to repay the first installment of SGD2,000. The lender can only charge the late interest on SGD2,000 but not on the remaining SGD8,000 as it is not due yet.

Aside from interest, licensed moneylenders can only charge the following fees:

  • A fee not exceeding SGD60 for each month of late repayment;
  • A fee not exceeding 10% of the principal of the loan when a loan is granted; and
  • Legal costs ordered by the court for a successful claim by the moneylender for the recovery of the personal loan in Singapore

The total charges imposed by a licensed money lender on the CPF loan’s interest, late interest, upfront administrative, and late fee cannot exceed an amount equivalent to the principal loan amount.

Very quickly indeed! We pride ourselves on giving you excellent service with quick and high personal loan approval rates. Once you’ve submitted all the necessary documents along with your loan application, it would only take us half an hour to approve your application.

You could even receive your money within the hour in some cases!

CPF personal loans are a great way to get the cash you need quickly and easily. This type of financial assistance is especially helpful to cover an unexpected emergency. With this unsecured personal loan, you don’t have to put your asset as collateral. Best of all, it requires minimal paperwork for a fast approval process.

However, just like any type of loan with financial institutions, you’ll need to repay it on time.

Failing to make monthly payments can lead to late interest and late fees. This can snowball your loan amount which can make repayments much more challenging. Lastly, late repayments can negatively affect your credit score.

Several factors can affect the maximum loan amount you can borrow from us. Typically, you can borrow up to 6 times your monthly income.

Note that the maximum loan amount will depend on the withdrawable CPF savings you have in your account.

No, you are not eligible for a CPF personal loan if you are over 55 years old. Only individuals who are turning 55 years old can apply.

A CPF personal loan must be repaid between 6 to 12 months or until your 55th birthday.

None. CPF personal loans can be used for various personal needs, such as home renovations and repairs. There are no specific restrictions on the purpose of the loan, allowing you the flexibility to use it for your requirements.

No, there are no penalties for early loan repayment. In fact, we offer discounts if you choose to settle your loan earlier.

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