Citi Quick Cash basically allows you to convert your Citi Credit Card / Citi Ready Credit available credit limit into cash, payable in monthly instalments along with your monthly payment. You have the liberty to select a repayment plans option ranging from 12 to 60 months at attractive rates.

The HSBC personal loan allows you to enjoy loan amount of up to four times your current monthly income with an agreed fixed monthly repayments/instalments. You may choose to apply for a loan tenor of one, two, three, four or five years. If you are a salary earning employee, you may apply for up to six or seven years. And as for your question about guarantor, no you do not need a guarantor or any collateral to recieve HSBC's personal loan.

EasiCredit as a standby line of credit offers you the flexibility of choosing how long and how much you would like to repay on your outstanding balance. The have a prevailing interest rate of 29.8% p.a. You can expect to pay a minimum repayment which should be about 5% of outstanding amount or $50 depending on which is higher with a maximum credit limit two times your monthly salary. The monthly minimum repayment amount shall include any amounts above your approved credit limit and any overdue payments in respect of the Account. The monthly minimum repayment amount is not applicable to Cash-on-Instalments. Be warned that if the minimum payment to your EasiCredit account is not received by OCBC bank by the payment due date, the prevailing interest rate applicable to your outstanding amount(s) may increase to up to 36% p.a.

Yes after submitting and you get the approval of a DBS/POSB Personal Loan on your Cashline and/or Credit Card, you will receive an SMS confirmation that the DBS/POSB Personal Loan is approved. You should then proceed to check your designated account for the crediting of the approved loan amount. An approval letter for the DBS/POSB Personal Loan will be sent over to your mailing address within 3 working days after receiving the SMS message and if you applied for a Cashline account, you will receive a DBS ATM Card as part of Cashline application.

Yes. You may only need to submit a letter for the change of guarantor as the case may be and the request will be subjected to review and approval. If the request is approved, a $ 1,000 processing fee will be billed from you.

It is very straight forward actually as you must be between 21 and 65 years of age with a minimum annual income of $20,000 for Singapore Citizens and Permanent Residents. So it does not matter if you are employed or self-employed but will need documents like a copy of your latest Income Tax Notice of Assessment and must be have been in business for a minimum of two years. You will also be required to provide your latest Utility bills, latest Bank or Credit Card statements e-statement inclusive, a copy of rental agreements showing your address, latest mobile phone statements / pay TV statement.

Let me assumed that you already have debts thus I recommend you to go for DCP first; for few reasons. It works by consolidating all your existing bank debts into DCP whereby Citibank pays it off for you and now you owe them only. The interest rate is about 10%/annum, vs 24-30% credit card interests rate. This plan does not eradicate the root of the problem as you need to reflect on the causes of your debts, are they Lifestyle choices or circumstantial? DCP may give you a month of credits to use for emergency purposes but frankly you stand to build up debts again if you don't know what went wrong and how you can make wiser decisions.