Think about the things you want to do next in your life. Perhaps you want to go on a vacation, change jobs, have a baby, renovate your house or get Lasik surgery. Alternatively, you may need to buy a new air conditioner or a new washing machine.

What do all these things have in common?

They require money.

Sure, a three-month trip sightseeing through Europe is more expensive than buying a new home appliance. But that doesn’t matter if you’re strapped for cash.

You’ve come to the correct webpage, though. Taking a personal loan (and from a very trusted financial institution like Credit 21) can help you achieve all of your plans – regardless of how small they can appear to others. Calculate how much you can borrow here.

Keep reading below.

Personal Loan For Marriage & A Wedding

Personal Loan For Your Wedding And Marriage Credit 21

Finding the love of your life and deciding to settle down is a big step.

You only need just $42, too, if you’re planning a civil marriage at the Registry of Marriages. But that’s not very romantic.

Most people in Singapore want to have memorable wedding days – and justly so. Your dream may include a beautiful bride dressed in a pearly-white ball gown catching everyone’s stares. Or, it can be you, your partner and your wedding party dressed in Star Wars costumes dancing the night away.

If your grandma has any say in it, you’ll also follow those Chinese Guo Da Li rituals that may include a bride’s dowry in the five-figure range.


Additionally, you have to consider expenses for:

  • Venue
  • Food and drinks
  • Wedding costumes
  • Rings
  • Photography and videography
  • Music
  • Flowers
  • Makeup
  • Transport
  • Religious service
  • Honeymoon

We’re not even close to finishing this list, but you get the gist. The problem is you may not even want to pay for all that if you’re comfortable with a ROM wedding and a few drinks with loved ones later.

But those social pressures will add up.

Thus, if you decide you want a big wedding, Credit 21 can help because we quickly disburse cash and offer convenient loan tenures. Best of all, we are able to customize your wedding loan packages to take the load off your shoulders.

Personal Loan For Getting A Home

Personal Loan To Buy A House Credit 21

Living with your parents or in-laws can feel homey if you like spending time with them. Also, if you have lots and lots of space.

But if living with your family drives you to the edge of crazy, you have options. One is to rent an apartment, though renting isn’t very stable if you’re planning a larger family. Some also argue that renting just means wasting your money because you’re not investing it in anything.

That brings us to buying a home.

However, decent apartments in Singapore cost around $300,000 – possibly even more if you want to raise a family. $300,000 will probably cover for a 3-room HDB. 4-room flats and 5-room flats will cost from $400,000 and up.

And that brings us to this article’s theme: money.

It is almost impossible to pay off the entire house in full for the average Singaporean. They will usually have to take a bank loan or a HDB loan for their home. Think of the other things that you need to arrange after purchasing your home:

  • Renovations
  • Furniture
  • Appliances
  • Extras like PMD/ portable electric chair route

Add these, and you end up with another $50-$100k to consider – possibly even more.

If you’re like most people, you’re probably thinking “renovation loan” right about now. After all, weren’t renovation loans invented for the purposes we’ve mentioned above?

It’s not that simple.

Many people prefer to get a personal loan instead of a renovation loan because:

  • If your contractor doesn’t include things you want in the renovation quotation, you can’t pay for them using your renovation loan.
  • You can use a personal loan to purchase furniture, air conditioning, or the latest-gen fridge – but you can’t with a renovation loan.
  • Renovation loans are capped at $30,000, which isn’t enough for completely revamping a four-room apartment if you need all the bells and whistles. Extensive masonry alone can reach $20k just for your living room.

Here are your options starting from these factors:

  • You can take a personal loan instead of a renovation loan, to begin with, if you want more purchasing flexibility, or:
  • You can take a personal loan along with a renovation loan for the extras you need (e.g., a sofa, curtains, or accessibility options).

To find out more, you can apply for a personal loan within minutes here.

Personal Loans For Having Kids

You can’t just wing having kids because starting a family has hidden costs that you need to be aware of. Once you have the financial side taken care of, you can focus on your family.

It all starts a year or so before the first baby arrives.

That means:

  • Regular health consults
  • Prenatal scans
  • Vitamins and possible medication
  • Screenings
  • Maternity insurance
  • Prenatal Yoga or Pilates
  • Prenatal parenting classes – including breastfeeding, first aid, and soooo many more
  • Birth

Once you welcome your child in this beautiful world, you have to be prepared with:

  • Diapers and changing table
  • Clothes
  • Bottles, formula, and steriliser if you’re not breastfeeding
  • Stroller, baby carrier(s), and age-appropriate car seat
  • Insurance
  • Doctor’s visits

And we didn’t even get to the subject of toys and books yet. So yes, when you’re looking at all of these expenses listed like this, you can feel overwhelmed.

Alternatively, once that first feeling goes away, you can choose to feel empowered.

You’ll need at least $10,000 to start with if you’re planning to have a child. Luckily, Credit 21 can get you the money you need within 24 hours after applying. Also, our comfortable tenures decrease your monthly installment considerably. As such, you can focus on taking care of your baby instead of your baby’s budget.

Personal Loan To Seize Life’s Opportunities

Life is filled with opportunities, and the biggest mistake you can make is thinking you have time. The truth is, we never have enough time for the things we want, so postponing them doesn’t help.

You have to take control of your life to enjoy it.

Unfortunately, most times, that means you need extra money.

Let’s say you want to move companies or advance at your current workplace. In this case, you need to hone your professional abilities constantly.

Reskilling isn’t easy, either. You need to pay for:

  • Courses
  • Training sessions
  • Literature
  • Transport

Additionally, you may need to hire a nanny or a maid if you need more help at home while you’re learning these new skills.

Here’s another example:

You want to start investing. That’s all well and good, but how precisely do you do that? If you have no idea where to begin, you might want to purchase an online training course. Afterwards, you’ll need a decent amount for your investment portfolio.

Alternatively, you may simply want to make your life better. For instance, if you’re tired of wearing glasses, you can consider Lasik eye surgery. If you’re self-conscious about your smile, you can consider braces or an Invisalign treatment – but those require at least $4,000 to $9,000.

Personal Loan To Start A Business

Personal Loan To Start A Business Credit 21

A personal loan can set you off to the job of your dreams – that one where you do that thing you love every day, and you’re the boss. Here’s an example:

Amy has always struggled with her weight. She was a binge-eater who also happens to be a talented and skilled baker. This meant baking lots of sweet treats for her friends, family and herself. It was hard to control her diet.

As her weight got out of hand, she started therapy.

With the help of her therapist, Amy solved the emotional problems that caused her weight issues. She also found a way to direct her interest and hobby for baking, leading her to starting her own mini bakery in Jurong East.

Of course, Amy needs a personal loan for that because she needs to purchase:

  • Ingredients
  • Packaging
  • Laptop
  • Marketing & advertising consultancy
  • An intuitive website

Other expenses include taxes and company-related fees. Amy will also have to consider transport fees if she wants to deliver those cakes to her clients. Alternatively, she can give them her address to pick up the goodies.

She took on a personal loan to start a business, and it provided her with the capital she needed.


Getting a personal loan can save you a lot of troubles throughout your life. However, you’ll have to use it responsibly. Make sure you’re not borrowing more than you can afford and that you have a well-setup expense plan.

At Credit 21, we can help you with those details, as well as affordable interest, high approval rates, and convenient amounts. Apply here!