Debt Consolidation Loan

Does every month end with you swamped in debt and being hounded by money lenders who have cheated you and are charging you insanely high interest rates? Or are you drowning in credit card debt and finding it difficult and painful to track how much you owe in interest payments? Are you struggling to find relief from the monthly payments? Applying for our debt consolidation loan in Singapore is a great way to save money and achieve a lower interest rate across all your loans. It works by combining all your unsecured loans, like all the balances you might owe to other money lenders and credit cards and combining them into one lump sum. While the idea of owing so much to one entity may seem intimidating at first, it is much safer, as we are approved by Singapore’s Ministry of Law (Minlaw) licensed money lender and would never seek to cheat you. Furthermore, you will be able to derive a lowered interest rate with us and be able to save more money.


Simplified Process


  • Min age of 21 years
  • Maximum 30 minute turn over time
  • Only need 1 form of ID
  • Maximum 3.9% interest per month
  • No minimum or maximum loan amounts
  • Don’t forget to bring along a payslip, last 12 month CPF contribution notice or income tax notice

How it works

Credit cards and unscrupulous, unlicensed money lenders are always on the lookout for the innocent to cheat and often have unfairly compounded and high interest rates and numerous hidden fees that can make it tremendously difficult for you to find debt relief. It can be very difficult with the high interest rates to find ways to pay off the debt you owe. Owing money to all these people can be confusing and difficult to track and can lead to missed payments, or even payments to the wrong cards.

By making use of a debt consolidation loan in Singapore, you will most importantly be able to achieve a lower interest rate than before. Furthermore, consolidating your debt into one account will allow you to keep track of the total amount and interest rate, letting you pay just one simple monthly payment.

Lastly, working with a trusted financial institution like Capital Funds Investment will allow you to tailor your loan repayment plan into one suited to your lifestyle needs and salary.


Benefits of debt consolidation

  • Lowered interest rate
  • Maximum 30 minute turn over time
  • Easy tracking of the consolidated loan in one place
  • Tailored minimum monthly payments and loan duration
  • Quick and easy application – We will release the loan to you as soon as the documents are signed and approved!

Trustworthy and responsible

Be careful when choosing a debt consolidation loan provider. There are many cases, especially of non-licensed moneylenders and debt settlement companies online and off who might run away with your money. These companies typically offer very low interest rate loans, with very high upfront fees, and once they have taken your initial payment will close up and vanish. Always make sure that you are dealing with a licensed by Singapore’s Ministry of Law (Minlaw) Licensed Moneylender

Capital Funds Investment is licensed by the Singapore’s Ministry of Law (Minlaw) and we promise never to scam you. We look to give people the ability to use the best financial tools on the market and believe in not making people pay more than they should. Our financial service specialists will work with you to find the best way to combine all your loans in one package, giving you the lowest interest rates and the longest windows you need to help you fulfil your goals. Contact us now to hear more about what packages we carry and let us know how we can best help you.

Debt relief is never easy but there is no need to make it more difficult than it has to be. Take control of your debt today, contact us now, secure a debt consolidation loan and let us help you get debt-free!


Frequently Asked Questions

Unsecured loans, such as credit card borrowings and personal loans that do not require assets as collateral, may be overwhelming to an individual with their varying interest rates. Capital Funds Investments’ debt consolidation loan programme is designed to combine all these loans into one lump sum at a single interest rate.

Yes. We help you to control your debt by consolidating all your various loans from other money lending institutions such as ourselves. For example, if you have outstanding debts owed to six different companies, taking a debt consolidation loan with us will help to manage, and eliminate, all other interest rate loans at a single, flat interest rate.

Instead of having to deal with various unsecured loans at different interest rates, consolidating your debt into a single account provides you the convenience of tracking and your total amount of debt. At the same time, you will be able to repay the loan with a simple monthly payment at a lower interest rate than before.

Working with a trusted financial services provider such as Capital Funds Investments ensures you are provided with the best financial tools and interest rates on the market – and most importantly, free from worries about potential scams. We are licensed by Singapore’s Ministry of Law and employ a team of qualified financial service specialists who have knowledge and know-how to tailor a loan repayment plan that best suits your lifestyle needs and income.

Further, Capital Funds Investments’ debt consolidation programme offers some of the most competitive terms in the market with an interest rate of no more than 3.9% per month.

To be eligible for our debt consolidation loan programme, you must:

  • Be a Singapore Citizen or Permanent Resident aged 18 years or above as of the date of application
  • Have outstanding debts that you wish to consolidate under our debt consolidation loan

No. However, the total loan amount that we grant under this programme will depend on your salary and other personal financial information that you may supply us.

To be apply for our debt consolidation loan programme, please provide us:

  • A front and back copy of your National Registration Identity Card (NRIC) or driver’s licence; do note that only one form of identification is required
  • Latest income documents in the form of pay slips; OR Central Provident Fund statement/income tax notice reflecting your CPF contributions from the last 12 months

We guarantee a maximum 30-minute turnaround from the time of your application submission for your loan request to be processed. The loan amount is then released to you as soon as all documents are signed and approved.

No, so long as you provide and meet our abovementioned requirements. After receiving and reviewing your documents, we will determine if your preferred loan amount will be granted, or otherwise, suggest an alternative amount for your consideration.

For CFI’s debt consolidation plan, the maximum tenor is three years. We advise no longer than that, so as to avoid accumulating unnecessary interest. Our objective is to ultimately provide our customers a means to ease their financial burdens in the short term while eventually being able to enjoy a debt-free status in the longer run.

You may indicate your preferred tenor, although it is subject to our review and approval while we process your loan request.

Yes. One benefit of taking a debt consolidation loan with us is that we do not charge an early repayment fee. Any outstanding interest owed to us will be waived should you settle the owed amount earlier than agreed.

Yes, but you may only do so at least one month after the approval of your debt consolidation loan with us. No early repayment fee will be charged in this case.

No. The debt consolidation loan is to help you pay your outstanding debts. You will need to bear any early repayment, or other fees incurred in the refinancing process, without increasing your outstanding DCP loan amount.

You will need to obtain a settlement notice from your existing debt consolidation bank or lender before submitting a refinancing application, which will indicate your actual outstanding principal and accrued interest up to the date of notice generation. The outstanding principal stated on this notice will be your refinancing loan amount.