Renovation Loan Singapore

Get an unsecured loan up to $100,000 SGD with longer loan tenures from
the #1 licensed money lender in Singapore with one of the lowest interest rates.

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Renovation Loan in Singapore

Renovation Loan in Singapore for Homeowners with Fast and Easy Approval

Leverage on a fast approval cash loan for your renovations

Now that you have the keys to your new house, what is the first thing that comes to mind? If you are like most people in Singapore, renovation is the next big project. Of course, the home purchase process has drained you financially, but there is still a burning desire to customize your house.

Whatever renovation idea you have in mind, you must be concerned about the cost. Luckily, the local financial market now has a way out for homeowners seeking to renovate their houses. Whether your place is new or you want to give an old house a facelift, a renovation loan with Credit 21, a reputable and licensed moneylender will go a long way. Your home upgrade loan funds important renovations to give the property your personal style.

A home revamp loan gives you a much-needed boost to personalize your home. You can transform an otherwise bland looking property into the most glamorous living space. With these loans, you have the freedom to undertake any renovations ranging from electrical, wiring and plumbing, new floor installation, roof remodelling, repainting, furniture purchases, bathroom and kitchen remodels among many others.

Another reason to go for a renovation loan is the fact that renovations done add value to your property. The best home revitalization will instantly make your home more comfortable and functional, which adds to the overall value. These loans are more affordable than personal loans and this is one reason to leverage them for renovations.

Benefits of a Renovation Loan
with Credit 21

Our renovation loans stand out as we provide our borrowers with a wide range of unique benefits.

Better and Improved
Credit Scores

Loan Tenures

Ease of Application
and Approval

Increased Convenience

Frequently Asked Questions​

We have the answers for you.

How can I get a quick approval renovation loan?

The process of renovation loan applications is now easier with most lenders providing online application options. To avoid unnecessary delays, consider the following:

Evaluate and identify your needs early: Make sure you already know what you need done to your place in order to make it easier for your contractor to give a quote.

Use a certified contractor: An official quotation from a certified contractor is required by your lender. These contractors will also provide an objective view about renovations you intend to carry out. The quote given is crucial in budgeting and accessing a quick financing.

Understand all requirements: You have to be a Singaporean or a permanent resident (PR) aged 21 years and above to qualify. Other requirements include proof of ownership of your property, proof of income for both salaried and self-employed people, documentation such as NRIC copies, and also CPF statements / NOA.

Take time to research what is required by different lenders in order to qualify for a loan on the 1st attempt. Apply with us and get all renovation loan assistance you require today.

What is the best ways to compare renovation loan providers?

Who wouldn’t like a fully furnished house with just the perfect lighting, gleaming hardwood floor boards, French windows, cement screening on the walls, illuminating lighting all around and tiled bathroom? If there is one thing most people in Singapore would like, it is the opportunity to own a house and make some of these additions. The beauty of owning your own place is the ability to give it your own personal style only that this costs a lot.

If you are like most homeowners in the country, you have most likely struggled a lot to pay a mortgage down payment. Most homeowners wait for years before they can move into their new places only to realize they still need more money to fully customize the new home. This is how a new house turns into a home by giving it your personal touch.

Why would I need a renovation loan?

According to recent studies, a renovation to a new house in Singapore can easily cost between $10,000 to over $100,000, and sometimes even more. Most likely, you don’t have such money and this is where a renovation loan comes in handy. Home upgrading loans are highly versatile allowing you to carry out any type of renovations, such as floor instillation, physical additions, interior and exterior décor redesigns, lighting and plumbing, bathroom and kitchen remodels among others.

How to choose the best renovation loan provider?

Well, with so many lenders in the market, it is important to shop around carefully. Here are some factors you need to consider in order to identify the best renovation loan provider:

Licensing: The loan provider must be licensed and registered under the Ministry of Law (such as Credit 21). This guarantees that the services and products they offer are legal and you can also seek redress in case you are dissatisfied.

Reputation in the industry: Check the track record of the lender by reading reviews, testimonials and also seeking referrals and recommendations from family and friends.

Loan products: Look for a loan provider who is offering a low-interest, flexible and custom home upgrading loan that perfectly fits your needs.

Customer service level: The best loan providers have highly qualified renovation loan experts who are readily available to provide all the information you need.

The loan application process should also be easy and preferably online. If you are looking for an established renovation loan provider in the country, apply for a loan with Credit 21 today and let us come up with a tailored loan to suit your renovation needs.

3 Simple Steps
to receive your
instant cash loan

Submit Online Application

Register an account or simply fill up the loan application form. Takes only 3 mins.

Receive Application Status

Outcome of the loan with the maximum loan amount will be provided to you within an hour.

Fast Cash Disbursement

Head down to your selected Credit 21 branch, sign the contract and get your money instantly.

Apply Now

What Our
Customers Say

As one of the top legal and licensed moneylenders in Singapore with more than 900 positive
customer reviews, we aims to help all our customers financially.

Leon Yun

March 23, 2021

Thumbs up for loan officer Kent there, he explain very well and gave me very fast and good loan. highly recommend!

Susan Liu

March 23, 2021

This COVID situation really affected me and I urgently needed money. I must say that Credit 21 is really one of the best moneylenders wow! They explained all the terms very clearly and gave me my money very very quickly. They really helped me so much! God bless!

David Liu

March 23, 2021

The staff here is nice and helpful. They guide me on payment process. I like. It help me a lot. Thank

Olivia Chen

March 23, 2021

Credit 21’s customer service officer james was helpful and nice. He helped me with everything i was unsure about and went through everything in detail. Good service. (:

Oscar Wu

March 23, 2021

Special thanks to Mr Kent and Ms NAna of Credit 21 moneylender.As this was our first time taking loan, they guide and explain to me and my husband the details very promptly.their services rendered to us were great and professional.they very friendly and helpful.i highly recommend them. Kudos to the staff of credit 21.have a great week ahead! 👍👍👍

Dylan An

March 23, 2021

Was surprised by the good customer service of credit 21. Definitely a genuine and reliable moneylender. Look for them if you need loan.