Flight prices do not wait. Neither do hotel room blocks, cruise deposits, or early bird packages. If your savings are not ready but the deal is closing, a travel loan lets you lock the price today and repay in fixed monthly installments. Swift Credit is a MinLaw licensed moneylender at Bugis. Apply via Singpass MyInfo in 2 minutes. Cash disbursed the same day you visit us.
You might wonder if taking a loan for travel is a responsible move. That depends entirely on one thing: whether the monthly repayment fits inside your budget without stress.
A SGD 5,000 travel loan over 6 months costs SGD 953.82 per month. If that fits, the trip is affordable. If it does not, it is not. We will not tell you what to decide.
We will make sure you know the full cost before you sign anything.
Most people put travel on a credit card and pay the minimum each month. Here is what that actually costs compared to a structured loan.
A structured loan with a fixed end date costs less and closes faster than revolving credit card debt left to compound.
The group has agreed on dates. Someone needs to put down the deposit now. You are not ready but the window is closing.
Flights, resort bookings, and activity deposits for a honeymoon that needs to be confirmed months before the wedding date.
Visiting family in Malaysia, Australia, or further abroad. Flights for the whole family add up faster than savings accumulate.
Peak period flights to Japan, Korea, or Europe that need to be booked 3 to 6 months in advance before prices double.
Cruise lines require deposits to hold a cabin. Missing the deposit window means losing the cabin entirely.
Comprehensive travel insurance, vaccinations, visa fees, and gear purchases before a long trip.
Your borrowing limit is set by MinLaw based on your annual income and residency status. This is your total unsecured limit across all licensed moneylenders in Singapore combined.
A worked example on a SGD 5,000 travel loan over 6 months.
Start your application via Singpass MyInfo or call us directly. We review your application and contact you within the hour during office hours.
Foreigners do not need a local guarantor at Swift Credit. Your application is assessed on your own income and employment status.
Join over 10,000 clients who have experienced the Swift difference in Bugis.
Takes 2 minutes. Your identity and income data are retrieved automatically from government records. No manual form filling needed.
Our team reviews your application and contacts you during office hours. We confirm what you qualify for before you travel to us. If you do not qualify, we tell you at this stage. You do not make a wasted trip.
Come to 192 Waterloo St, #02-06 Skyline Building. MinLaw requires all loan contracts to be signed in person at our registered office. We walk through every term with you before you sign. You can walk away at any point at no cost. Funds are disbursed the same day after signing.
Start your application now using Singpass MyInfo, or contact us directly for assistance.
We call you within the hour during office hours to confirm your assessment.
It depends on one thing: whether the monthly repayment fits your budget without putting you under pressure. A SGD 5,000 loan over 6 months costs SGD 953.82 per month. If that is manageable, the loan is a planning tool. If it is not, wait until it is. We will show you the full cost before you sign anything. You can walk away at no cost at any point before signing.
Yes. The funds are disbursed directly to you. You decide how to allocate them across flights, accommodation, travel insurance, or any other trip-related cost.
Use the loan calculator at our website to get the exact figure for your preferred amount and tenure. For reference, a SGD 5,000 loan over 6 months comes to SGD 953.82 per month based on 4% reducing balance interest.
Yes. EP, S Pass, and Work Permit holders are eligible. You will need your passport, valid work pass, latest 3 months payslips, and proof of Singapore residential address.
No. Licensed moneylender loans are recorded in the MLCB system, entirely separate from your CBS credit report. Borrowing from Swift Credit does not appear on your CBS record and does not affect your CBS grade.
Yes. No penalties apply. You receive an interest rebate on the remaining months. Paying early reduces your total cost.
Yes. Bring your IRAS Notice of Assessment or 3 months of bank statements. We assess your average monthly income across the period rather than requiring a fixed payslip.
MyInfo