Apply for Personal Loans
with Bad Credit
Life can present unexpected financial challenges, and having a less-than-perfect credit history should not prevent you from obtaining the assistance you need.
At Shenton Credit, we specialise in offering personal loans with bad credit options in Singapore that cater to individuals facing financial setbacks. Our goal is to help you regain financial stability with our tailored solutions, including loan options that suit your unique circumstances.
What is Bad Credit and Why Does it Matter?
A credit score is a numerical representation of your creditworthiness, based on your financial history. In Singapore, credit scores typically range from 1000 to 2000, with lower scores indicating a higher credit risk. If your score falls within the lower range, you may be considered a high-risk borrower, which can impact your ability to obtain loans.
Common reasons for a low credit score include:
- Missed or late payments on credit cards and loans
- High credit utilisation ratios
- Defaults, bankruptcies, or legal actions
Having bad credit can result in higher interest rates or loan rejections. However, Shenton Credit offers tailored personal loan with bad credit options to help you rebuild your financial standing and regain financial flexibility.
Take Control of Your Finances
If have a poor credit history but are looking for financing options, there are several types of loans available to suit your needs:
- Secured Loans: These require collateral, such as a vehicle or property, to reduce risk and secure lower interest rates.
- Unsecured Loans: No collateral is needed, but interest rates may be higher for those with bad credit.
- Guarantor Loans: A trusted individual co-signs your loan, improving your chances of approval.
Shenton Credit, a trusted money lender in Singapore, provides various affordable loans with bad credit, helping you choose the best option for your financial situation.


Why Choose Shenton Credit?
No Queues. No Wait. No Hassle.
Here’s why we are a go-to for quick and easy loan approvals
Better and improved credit scores
Flexible loan tenures
Ease of application and approval
Increased convenience
Applying for a Loan with Bad Credit Made Easy
Applying for a loan with a poor credit score doesn’t have to be difficult. Follow these simple steps to increase your chances of approval:
- Check Your Eligibility: Ensure you meet the age and income criteria required by lenders.
- Research Loan Options: Compare various fast bad credit personal loans to find the best fit.
- Prepare Necessary Documents: Gather essential documents such as proof of income and identification.
- Apply with a Trusted Lender: Submit your application through a reputable money lender like Shenton Credit.
- Review Terms Carefully: Understand the loan terms, including interest rates and repayment schedules.
Tips for Improving Bad Personal Credit Loan
Dealing with a bad credit profile? Here are some tips on enhancing your eligibility for better personal loan terms. Here are some tips:
- Pay your bills on time to build a positive credit history.
- Reduce outstanding debt by focusing on high-interest loans first.
- Avoid applying for multiple loans simultaneously, which can lower your credit score.
- Consider consolidating debts through a debt consolidation loan.
If you’re looking for instant loan approval, apply now and take control of your financial future.
Apply for a Fast Loan Today!
Achieve your goals with flexible repayments and a streamlined, secure process.
Got Questions?
We got answers.
Yes, Shenton Credit offers personal loans tailored to individuals with low credit scores in Singapore. Our team will assess your financial situation and provide a suitable solution.
A bad personal credit loan provides financial assistance to those with a poor credit history. Loan terms will be based on factors such as income and repayment capability.
Applying for a personal loan with bad credit can help you manage expenses, consolidate debt, and gradually improve your credit score.
Yes, a debt consolidation loan allows you to merge multiple debts into a single, manageable repayment plan.
Our process is quick and hassle-free, offering fast bad credit personal loans with approvals within a short timeframe.
You will need your NRIC, recent payslips, and Singpass access for verification.