Charles is our resident financial Author

Charles

Loan Adviser and Data Analyst

Experience:

3 years in the bank. Charles writes most of the articles regarding loans and licensed money lenders. 

More about Charles

Previously employed as a data analyst, Charles noticed that many take up loans without planning their repayments wisely. Unlike banks with their complex algorithms and stringent inquiries, Charles hopes to enhance loan services by licensed money lenders to improve the lives of borrowers by streamlining and data analytics.

Author Articles

A lawyer holding a black leather briefcase.

What Happens If You Can’t Repay Your Loan in Singapore?

Key Takeaways Taking out a loan can be a helpful financial solution in times of need. However, if you find yourself in a situation where you can’t repay a loan, it is crucial to understand the potential consequences and available options in Singapore. Licensed moneylenders follow regulations set by the

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Person at a bank

How to Get a Loan in Singapore with Less-than-Perfect Credit

Key Takeaways Obtaining a loan in Singapore with a poor credit history can be challenging, particularly when dealing with banks. Traditional financial institutions rely heavily on credit scores when evaluating applications, making it difficult for individuals with lower scores to get approved. However, alternative lending options exist, allowing borrowers with

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an Asian man thinking about money.

Common Loan Terms You Need to Know Before Borrowing

Key Takeaways Taking out a loan is a significant financial decision, and understanding the details of your loan agreement is crucial. Many borrowers focus only on the loan amount and repayment period, often overlooking critical loan terminology that directly affects the total cost of borrowing. Before applying for a loan,

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Someone at a bank carrying a briefcase.

How to Use a Personal Loan Wisely for Business or Investment

Key Takeaways Starting or expanding a business often requires financial support, and many entrepreneurs turn to a personal loan for business to secure the necessary funds. Unlike business loans, personal loans are typically easier to obtain, have fewer restrictions on usage, and provide quicker access to cash. However, using a

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Asian person making a payment with cash

How to Manage Loan Repayments Effectively in Singapore

Key Takeaways Managing loan repayments effectively is essential to maintaining financial stability and avoiding unnecessary stress. Many individuals in Singapore struggle with repayment challenges due to high living costs, unexpected financial setbacks, or poor budgeting habits. Without proper financial discipline, borrowers may find themselves in deeper debt, potentially falling victim

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someone thinking about money and time

Short-Term vs. Long-Term Loans: Which One is Right for You?

When considering a loan, one of the most important factors to evaluate is the loan tenure. The duration of the loan affects repayment amounts, interest rates, and overall financial stability. Borrowers often face the choice between short-term and long-term loans, each offering distinct advantages and challenges. Understanding these differences can

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What You Need to Do to Become Eligible for a Personal Loan

A personal loan can be a valuable financial resource for managing unexpected costs, consolidating debts, or financing personal projects. However, to successfully obtain a loan, you need to meet the lender’s eligibility requirements. Knowing if you are eligible for a loan is crucial for enhancing your chances of approval and

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