United Credit Loan Calculator:
Estimate Monthly Instalment

Our loan calculator estimates your monthly instalments based on the loan amount, tenure, and interest rate you select. It is designed to provide an instant, intuitive breakdown of your borrowing costs, exactly as they would appear in a formal application.

Figures provided are accurate estimates for planning purposes. Your final loan amount and interest rate are confirmed following a professional credit assessment at our Novena Regency office, ensuring full compliance with Ministry of Law regulations.

United Credit operates with 100% transparency. While the loan calculator estimates principal and interest, please note that licensed moneylenders may charge a one-time administrative fee of up to 10% upon approval. There are no hidden monthly charges.

In Singapore, the Registry of Moneylenders caps interest rates for all licensed moneylenders at 4% per month. We strictly follow these caps, including late fees (capped at $60/month) and late interest (maximum 4% per month).

No. Using our online loan calculator is completely anonymous and involves no credit check. It has zero impact on your credit rating, making it a safe tool to use before you decide to apply for a personal loan.

Yes. You can customise your tenure (up to 35 months) during your consultation. While a shorter tenure helps you save on total interest, a longer tenure reduces your monthly instalment. We help you find the best fit for your budget.

Yes. Your monthly repayment is fixed for the duration of your loan term. This ensures your repayments remain predictable, provided they are made on time. Detailed information regarding late charges is always provided before you sign your contract.

The legal limit for unsecured loans from a licensed moneylender depends on your residency and annual income. For Singaporeans and PRs earning above $20,000, you can typically borrow up to 6 times your monthly income.