We are a top-rated fintech company committed to providing an efficient online platform that connects borrowers with tailored personalized loan offers from a diverse range of banks, loan providers, and financial institutions. Our objective is to deliver the most competitive rates to our clients, ultimately saving them significant amounts on borrowing costs. We are also backed up by banks, financial institutions, top-notch financiers and venture capitalists. With over 500,000 borrowers, you can count on us, and also explore offers from 100+ additional banks, finance companies and loan providers. The power of choice is yours—apply today and find your perfect funding.

No, Lending8.com is not a licensed moneylender. We are a loan and finance marketplace platform (UEN: 202222479K) that connects borrowers with licensed banks, finance companies, and moneylenders in Singapore. We do not lend money directly.

We charge a small commission to lenders when they successfully fund a loan through our platform. We do not charge borrowers any fees for using our comparison service. This ensures our service remains free for consumers while maintaining unbiased recommendations.

Interest rates and fees depend on your unique profile including factors like your credit score, income, loan amount, term, and loan type as well as other factors. All rates and any applicable fees (e.g., origination fees) will be clearly disclosed in your loan agreement before you sign. We believe in full transparency with no hidden charges.

To apply for a personal or business loan, you typically need to be at least 18 years old, have a valid government-issued ID (like IC), provide proof of stable income (e.g., pay stubs or bank statements), and have an active bank account. Specific requirements may vary based on the loan type and amount.

A secured loan requires you to pledge an asset (like a car or property) as collateral. This often results in a lower interest rate. An unsecured loan does not require collateral and is approved based on your creditworthiness, which may mean a higher interest rate.

Our initial application form takes about 5 minutes to complete. You'll receive preliminary offers within 1-2 hours. Final approval and funding typically take 24-48 hours depending on the lender and completeness of your documentation.

Loan amounts vary by product. Personal loans can range from a few thousand to tens or hundreds of thousands of dollars, while business and mortgage loans can be significantly higher. The final amount you are approved for is based on your income, credit profile, and debt-to-income ratio.

Our personal loans can be used for a wide variety of purposes, including debt consolidation, home improvements, medical bills, or major purchases. Business loans are intended for business-related expenses like expansion, equipment, or working capital.

Repayments are typically made through fixed monthly installments automatically deducted from your designated bank account. You will receive a detailed repayment schedule, and you can often make extra payments or pay off your loan early without any prepayment penalties.

Absolutely. We use bank-level encryption and advanced security measures to protect all your data. Your information is never sold to third parties. Please read our Privacy Policy for more details on how we safeguard your information.

Yes, we consider applicants with a range of credit histories. While a higher credit score may qualify you for better rates, we look at your overall financial situation. Options like secured loans or having a co-signer may also help you get approved.

Absolutely! Our service is completely obligation-free. If you're not happy with your matched offer, you can decline it with no penalties or fees. However, our AI is designed to find you the best possible terms, so most customers are very satisfied with their match.

Contact your matched lender immediately if you anticipate payment difficulties. Most lenders offer hardship programs or payment restructuring options. Late payments will incur fees and may affect your credit score. Your lender will work with you to find a solution - never ignore payment issues.

Our AI system has a 94% satisfaction rate and considers hundreds of data points including your credit profile, income, loan requirements, and each lender's specific criteria. This sophisticated matching ensures you get the best possible approval odds and interest rate for your unique situation.