FAQ

Once I pay off a loan, how soon can I receive another loan?

If you pay by bank transfer, as soon as we verify your payment has cleared in our the bank, you can apply for a new loan immediately.

Example: Your due date is Friday. You make a full payment on that day. As soon as we confirm the payment is cleared, you can take up another loan instantly.

What if I can't repay my loan on the due date?

If you can't repay the full amount of your loan on the due date, you may be request a loan extension by contacting our customer service team via phone or email. If you do not qualify for an extension, you must contact us immediately to set up payment arrangements.

Email:  This email address is being protected from spambots. You need JavaScript enabled to view it.

Direct Line: +65 6338 8829

What if I want to pay early?

Early repayment is always an option at Cedit Xtra. Simply contact us via phone or email if you want to pay your loan off early. If you pay off within 14 days of the funding date, you will be entitied to a refund of the unearned finance charge. You may contact our Customer Service Team below to discuss your repayment options.

Email:  This email address is being protected from spambots. You need JavaScript enabled to view it.

Direct Line: +65 6338 8829

What if I don't have perfect credit?

Less than perfect credit will not prevent you from receiving a personal loan from Credit Xtra. Our personal loan solution is designed to help even those with less-than-perfect credit. Let our dedicated Customer Service team assist you to find the right loan option, even if you have being turned down by other lenders in the past.

How do I know that my loan has been approved?

You will receive a call from us once your loan has been approved.