Tell us your situation once. We come back with the loan type that actually fits it and what a lender will realistically look at. No fee, and nothing goes to a lender until you say so.
Enquiries read by a person, not a bot
Two quick choices, then five short questions.
No fee. No obligation. Nothing is applied for yet.
Find the row that sounds like your situation. You do not have to pick correctly — if another one suits you better we will say so.
Salaried · Fixed monthly repayment
The general-purpose one. Renovation, a wedding, school fees, a medical bill that arrived at the wrong time. You borrow a set amount and repay the same figure every month until it is finished, so the cost is known on day one.
Several debts · One repayment
For people paying three or four bills on three or four dates. The idea is to roll them into one repayment so there is a single number to track. Whether it saves you money depends on your current rates, and we will look at that with you honestly.
Owners · Freelancers · Drivers
Written for people without a fixed payslip — hawkers, private-hire drivers, contractors, anyone running something small. Stock, equipment, or covering the gap while an invoice is still unpaid. Bank statements matter more here than an employment letter.
Smaller amount · Shorter tenure
A smaller sum over a shorter period, for a gap you can already see the end of — a bill landing before payday, a deposit that has to go out this week. Short tenure means less interest overall but a higher monthly figure, and we show you both before you decide.
Nothing happens behind your back. Every step below needs you to say yes before the next one starts.
Your name, what you do, what you earn, how much you need, and a number we can reach.
A person goes through it. If something does not add up we ask you rather than guess.
Which loan type fits, what amount is realistic, and what the lender will want to see.
Nothing moves unless you say so. Walking away here costs nothing and leaves no record.
Rate, tenure and every repayment come from the lender in writing before you sign.
That is the range of enquiries we pass on — not a figure you are entitled to. What you can actually borrow is decided by the lender after they have seen your income.
Most enquiries get a reply within one working day, so you are not left guessing over a weekend.
Asking costs nothing and we never charge you to release, unlock or process anything.
Applying blindly at three places helps nobody. We tell you where you actually stand first.
No NRIC scan, no SingPass, no bank login. Just enough to answer you properly.
FernCredit is a loan enquiry service based in Singapore. We are not a bank and we are not a moneylender — we do not lend money ourselves. What we do is take your situation, tell you honestly which kind of loan fits it, and pass you to a lender only when the numbers make sense. If nothing fits, we say that instead of pushing you into an application that gets declined.
I had three cards on three different dates and I kept missing one. They walked me through what consolidating would actually cost before I agreed to anything.
Driving private hire means no payslip, and that had been the wall every time. Here the bank statements were enough to get a straight answer.
What stood out was being told the shorter tenure would cost me more each month. Nobody had put both numbers side by side for me before.
No. We are an enquiry and matching service. We are not a bank and not a licensed moneylender, and no money ever comes from us. Our job ends when you and a lender are talking directly — every dollar, every rate and every contract comes from them.
There is no charge to send the form and no charge to hear back. We will never ask you to transfer anything to release, unlock or process a loan. That request is the single most common sign of a scam in Singapore, and it will never come from us.
We do not quote rates, because we are not the party lending to you. The rate, the tenure and the exact monthly repayment come from the lender in writing before you sign. If anyone quotes you a rate verbally and pushes you to commit on the spot, stop and check who you are speaking to.
Only what is on the form: your name, your occupation, roughly what you earn a month, how much you are hoping to borrow, and a WhatsApp number. Nothing else. We do not ask for your SingPass, your NRIC scan, your bank password or an OTP — not now and not later.
Sending us a form is not a loan application, so on its own it does not create a record anywhere. A record is only created once you apply to a lender directly, and by then you will know exactly what you are applying for.
Say so on the form. Plenty of the people we hear from are self-employed or paid unevenly, and that is a normal case rather than a problem. It does change which loan type makes sense, which is exactly why we ask before we answer.
Fill this in and a member of the team reads it personally. Nothing is submitted to any lender until you have seen your options and said yes.
You can email us before sending anything through the form. A member of the team replies directly, usually within one working day.
FernCredit is a loan enquiry and matching service. We are not a bank or a licensed moneylender and we do not lend money. We never charge you to enquire and we never ask for a deposit, a password or an OTP.
One short form, one honest answer. Nothing is applied for and nothing is signed until you say so.
Check my options