Compare the Best $10,000 Loans
in Singapore (January 2026)

5 Minutes Approval & Up to 1% Cashback*

$1,000

$200,000

3 Months

72 Months

Total Cashback

10

Your monthly payment

337

Rate Disclaimer*

*Based on a $20,000 loan at 6.95% APR over 5 years, read more

FIND PERSONAL LOANS FROM

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Master All Your Loan Moves


ROSHI brings trust, wisdom and rewards to your borrowing journey.
Our name, inspired by "Rōshi" (老師 / ろうし), meaning "old master" in Japanese (Lǎoshī in Chinese), reflects our commitment to helping our customers master their loan moves with wisdom and confidence.

Updated January 15, 2026

$10,000 DOLLAR LOAN CALCULATOR

Work Out Your Repayment

Loan Amount
34

$1,000

$200,000

Loan Tenure
3

3 Months

48 Months

Monthly Interest
Your Monthly repayment will be
$9,700.88
Total Cashback

$0.00

Total Interest

$13,200.00

Total Repayment

$58,200.00

List of $10,000 Dollar Loan Providers in Singapore (January 2026)

Loan amount must be between 500 and 100,000.
Tenure must be between 1 and 60 months.
All
All
ROSHI Approved
Low to High
Low to High
High to Low
Low to High
Low to High
High to Low
From 22.56%
Grocery Vouchers
Up to 1% Cashback
$1,021.33
$2,256.00
From 1.86%
From 3.56%
Grocery Vouchers
$848.83
$186.00
From 1.98%
From 4.19%
$849.83
$198.00
From 1.99%
From 4.17%
$849.92
$199.00
From 1.56%
From 3%
$846.33
$156.00
From 1.6%
From 3%
$846.67
$160.00
From 1.99%
From 4.17%
$849.92
$199.00
From 5.42%
From 10.96%
$878.50
$542.00
From 3.45%
From 6.5%
$862.08
$345.00
From 1.6%
From 3.07%
$846.67
$160.00
Show All Lenders

*Today's Moneylenders Rates - 15 January 2026

MONEYLENDER APPLICATION PROCESS

How to apply for a $10,000 dollar loan in Singapore ?

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Apply Online
Conveniently apply via the application form on our website
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Upload Documents
Upload required documents including last 3 payslips via your application dashboard
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Revision Period
Wait for our customer success team to review your application details
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Check Offers
Review provided loan offers and discuss details with our customer success team
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Appointment Scheduling
Schedule an appointment with moneylender and discuss all terms
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Loan Disbursement
Sign loan contract and get agreed funds In cash or PayNow

Calculate Your Credit Card Repayments

S$
Enter the total credit card balance
%
Enter the annual interest rate in percentage
S$
Enter the amount you plan to pay each month
S$
Enter amount of annual credit card fee
S$
Enter amount of late repayment fee
#
How many times you pay late

Overview of Constituencies

  • 10,000 Dollar Loan Basics

  • FAQs

  • Tips and Hints

  • Ask Away

Securing Essential Funds with a $10,000 Loan

A $10,000 loan is perfect for tackling big financial challenges or achieving significant milestones. Here’s how to secure one:

Key Factors to Consider

When evaluating a $10,000 loan, keep these in mind:

Purpose of the Loan
Be clear about how the funds will be used—whether for a major purchase, investment, or consolidating large debts.
Repayment Option
Opt for a lender offering longer-term repayment plans with monthly payments that fit your income level.
Interest Rates and Fees
Compare different lenders to secure the lowest interest rates and avoid hidden fees that could increase your overall repayment amount.
What Else to Know

A $20,000 loan is a substantial financial responsibility and requires careful planning:

Long-Term Budgeting
Larger loan amounts typically come with extended repayment periods, so it’s crucial to create a realistic financial plan to manage payments effectively.
Transparency Matters

Read all terms and conditions thoroughly to understand any potential penalties, fees, and repayment flexibility before committing.

At ROSHI, we connect you with trusted lenders in Singapore, ensuring you get a transparent and competitive $20,000 loan that fits your financial needs.
What can a $10,000 loan be used for?

A $10,000 loan is perfect for major expenses such as home improvements, business investments, higher education, or consolidating multiple debts.

Who qualifies for a $10,000 loan?

Eligibility depends on factors like stable income, a strong credit history, and a clear ability to repay the loan.

What documents are required to apply?

Applicants will typically need to provide identification, proof of income, bank statements, and documents outlining the purpose of the loan.

How long does approval take for a $10,000 loan?

Approval times may vary but generally range from 1 to 7 business days, with funds disbursed soon after approval.

Can I get a $10,000 loan if I already have existing loans?

Yes, as long as your debt-to-income ratio is within acceptable limits and you meet the lender’s other requirements.

Define Your Goals

Ensure you have a clear plan for how the $10,000 loan will be used to meet your financial objectives.

Compare Multiple Lenders

Evaluate lenders based on interest rates, fees, and repayment flexibility to find the most suitable loan.

Understand the Terms

Carefully review the loan agreement, including repayment schedules, penalties, and any additional fees.

Plan for Extended Repayments

Create a realistic budget that accounts for monthly payments over a longer loan term to maintain financial stability.

Invest Wisely

Use $10,000 loans for significant expenses or investments that add value to your financial future or improve your quality of life.

Have a question? Ask us about anything!

You're in good hands. Our team is happy to answer all of your question. Fill out the form and we'll be in touch as soon as possible.

Types of Personal Loans

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馬鹿なことはやめろ
Borrow Wisely

Mastering your loan moves starts with understanding the real cost of borrowing. We believe in empowering you with the right knowledge to make smart financial choices, not quick fixes that lead to debt traps. Our commitment is helping you borrow wisely and stay in control of your money. 

Read Our Borrowing Guide
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.Don't be a fool! #roshi #singapore #lending #borrowing

Trust the original! #roshi #singapore #lending #borrowing

.Don't be a fool! #roshi #singapore #lending #borrowing

Trust the original! #roshi #singapore #lending #borrowing

.Don't be a fool! #roshi #singapore #lending #borrowing

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