Horison Credit Blog
Explore finance and loan tips tailored for Singaporeans. From personal loan guides to budgeting advice and credit insights, our blog offers practical information to help you borrow smarter and manage money confidently.
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[ Licensed Moneylenders in Singapore ] September 2, 2026
New 3-Day Moneylender Cooling-Off Period: What Happens After Disbursement?
From 15 September 2026, a mandatory cooling-off period of three business days applies to unsecured loans, other than business loans, taken from licensed moneylenders. Saturdays, Sundays and public holidays in Singapore do not count towards the thr...
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[ Loans by Purpose ] April 14, 2026
Best Options To Fund Your Home Renovation In Singapore
A house doesn’t become a home until you decorate it with your essence. Therefore, after getting your key to the place, you need to start renovating it just the way you want. However, not all of us have plenty of money in our bank accounts. Thus,...
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[ Loans by Purpose ] March 22, 2026
Should You Use a Loan for Your Honeymoon?
: A honeymoon loan in Singapore can bridge post-wedding cashflow gaps, but travel is discretionary spending that should not create long-term debt stress. Bank options like a personal loan for wedding expenses usually offer fixed instalments, ...
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[ Loans by Purpose ] March 22, 2026
Education Loan vs Personal Loan: Which Is Better for Students?
Education loan vs personal loan Singapore differs mainly in cost and structure, as education loans typically offer lower interest rates and deferred repayment after graduation. Education loans are purpose-specific and may disburse funds directly t...
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[ Loans by Purpose ] March 20, 2026
Loans for Medical Treatments Not Covered by Insurance
A loan for uncovered medical treatment in Singapore provides quick access to funds, helping patients proceed with urgent care without delaying essential procedures. Personal loans offer lower interest rates and higher borrowing limits, making them...
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[ Loans by Purpose ] March 18, 2026
Is It Wise to Use a Loan for Travel During Festive Seasons?
A festive travel loan in Singapore offers immediate funding for holidays, but turns a short-term trip into a longer-term financial commitment with added interest costs. Regulations by MAS and MinLaw cap borrowing limits, interest rates, and fees, hel...
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[ Loans by Purpose ] March 17, 2026
Loan Options for Funding a Small Business Side Hustle
A loan for small business in Singapore includes options like SME loans, startup loans, and bridging loans, each designed for different business stages and funding needs. SME Working Capital Loans offer up to S$1 million with government risk-sharin...
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[ Loans by Purpose ] March 16, 2026
When to Consider a Loan for Home Furnishing
A home furnishing loan Singapore homeowners consider can help spread large furniture and appliance costs into manageable monthly instalments after purchasing a property. Furnishing expenses can quickly reach several thousand dollars because multip...
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[ Loans by Purpose ] March 13, 2026
Loan Options for Foreign Domestic Workers in Singapore
A maid loan in Singapore is an unsecured personal loan offered by licensed moneylenders to foreign domestic workers with valid work permits and stable employment. Singapore regulations limit borrowing amounts; foreigners earning under S$10,000 ann...
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