Compare the Best $4000 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

Logo 1
Logo 2
Logo 3
Logo 4
Logo 5

20+

More Lenders

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

$4000 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 $4000 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
3.92%
Grocery Vouchers
Up to 1% Cashback
4.5  
$1,060.58
Cash Direct
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
JR Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.0  
$1,060.58
R2D Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
1AP Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,060.58
SU Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
UK Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
BST Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,060.58
3.92%
Grocery Vouchers
Up to 1% Cashback
4.4  
$1,060.58
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Show All Lenders

*Today's Moneylenders Rates - 15 January 2026

MONEYLENDER APPLICATION PROCESS

How to apply for a $4000 dollar loan in Singapore?

step-image
Apply Online
Conveniently apply via the application form on our website
step-image
Upload Documents
Upload required documents including last 3 payslips via your application dashboard
step-image
Revision Period
Wait for our customer success team to review your application details
step-image
Check Offers
Review provided loan offers and discuss details with our customer success team
step-image
Appointment Scheduling
Schedule an appointment with moneylender and discuss all terms
step-image
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

  • 4000 Dollar Loan Basics

  • FAQs

  • Tips and Hints

  • Ask Away

Acquiring Necessary Capital with a $4000 Loan

A $4000 loan can serve as a vital financial instrument when facing more significant and impactful monetary requirements. Whether it involves investing in crucial professional development, undertaking essential large-scale home repairs, or managing significant unforeseen expenses, these loans offer a substantial financial solution:

Key Considerations

When evaluating a $4000 loan, keep these important factors in mind:

Loan Alignment with Goals
Ensure the $4000 loan directly supports your specific investment plans and aligns with your overarching long-term financial health.
Diverse Repayment Structures
Explore lenders offering diverse repayment structures that can be tailored to your individual financial circumstances and cash flow.
Simplified Application Process
Prioritize lenders known for their expedited fund disbursement and a simplified application process, especially when dealing with time-sensitive needs.
Important Facets

A $4000 loan can provide crucial financial assistance when navigating more substantial financial challenges, but it’s essential to approach it with careful planning:

Timely Financial Support for Significant Needs
These loans are designed to offer timely financial support for more considerable monetary requirements.
Clear Loan Documentation and Terms
Ensure a comprehensive understanding of all clear loan documentation and terms to promote responsible financial conduct and avoid any potential misunderstandings.

With careful consideration and selecting a suitable lender, a $4000 loan can be a valuable asset in addressing more significant financial undertakings without causing undue financial strain.

What are typical purposes for seeking a $4000 loan?

Individuals commonly seek a $4000 loan to fund initiatives such as business development initiatives, undertake significant property renovation projects, or manage substantial significant medical expenses.

What are the general eligibility requirements for a $4000 loan?

Qualification typically involves consistent income verification and a favorable credit standing, although specific criteria can differ among various lenders.

What necessary paperwork is usually required when applying for a $4000 loan?

Applicants are generally required to provide identification documents submission, proof of funds, and recent bank statements provision.

What is the typical loan processing duration for a $4000 loan?

Lenders generally strive for an efficient approval timeline, with the funds disbursement schedule often set within a few business days after approval.

How will my credit history be evaluated when applying for a $4000 loan?

Lenders will typically conduct a thorough creditworthiness assessment criteria, reviewing your credit history to evaluate your past borrowing and repayment behavior.

Conduct a Thorough Assessment of Your Financial Needs

Prior to applying, meticulously evaluate your financial situation to ascertain the exact $4000 amount required, thereby avoiding unnecessary debt accumulation.

Engage in a Comprehensive Lender Evaluation Process

Investigate and compare various financial institutions in Singapore to identify those offering the most competitive interest rate comparison tools, adaptable repayment flexibility options, and clear fee structure transparency for a $4000 loan.

Ensure Complete Comprehension of the Loan Agreement

Dedicate sufficient time to fully understand the loan agreement comprehension, paying close attention to all terms, conditions, and potential financial implications.

Develop an Integrated Financial Planning Strategy

Create a holistic integrated financial planning strategy that incorporates the loan repayment schedule and aligns with your overarching financial goals and priorities.

Maintain Responsible Borrowing Practices

Utilize $4000 loans judiciously for significant and essential financial undertakings that warrant such a commitment, thereby supporting your long-term financial objectives and fostering well-considered decisions that ensure budgetary harmony.

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

Don’t be a fool
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
Borrowing Wisdom Collection

.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

Review Personal Loans from
All Major Banks & Lenders