How much can I loan?
For secured loans, you can obtain a loan of any amount. For unsecured loans, you can obtain:

  • Up to $3,000, if your annual income is less than $20,000;
  • Up to 2 months’ income, if your annual income is $20,000 or more but less than $30,000;
  • Up to 4 months’ income, if your annual income is $30,000 or more but less than $120,000; and
  • Any amount, if your annual income is $120,000 or more.

Source: IPTO
Note: The final approved loan amount is based on individual eligibility and case by case basis.

How do I know when my loan is approved?
You will be informed by email, phone call to arrange an appointment once your loan application is approved. You will be required to come by our office to endorse on the agreement and receive your cash on the spot.
What if I can not go within the operation hours?
Just let us know when is a convenient time for you and will try our best to cater to your timing.
Can I still get a loan if I have bad credit history or ratings?
We lend you based on your ability to pay us now. Your bad credit history will not affect our decision to finance you. This is also determined on a case by case basis, but we will do our best to customise a loan plan to suit your needs and within your ability.
If my loan is approved, can I reject the offer?
Absolutely can, there is no obligation you must take up our loan if you changed your mind.
May I know the reason for not approving my loan?
Credit Hub Capital reserves the rights not to disclose any information in any regard.
May I take another loan if I have an existing loan with you?
Yes, we can grant you another loan as long as you meet our eligibility criteria at time of application and subjecting to The Moneylenders Act.
How do I make a Repayment?
Payment are made through GIRO by default. But you can opt for bank transfer or alternatively pay by Cash at our office.
Are there any fees if I would like to make an early redemption?
No, there will not be any additional fee. In fact, you will get an interest rebate for full early repayment. So earlier full repayment is made more interest you will save on.