GXS FlexiLoan - Flexible Credit Line with Competitive Rates

GXS FlexiLoan for Your Financial Needs

Access flexible credit with competitive interest rates starting from 1.6% p.a. Get cash disbursed within minutes. No annual fees, no processing fees, no early repayment fees.

S$200 - S$10,000+

Loan Amount

From 1.6%

Interest Rate p.a.

2 - 60

Months Tenure

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Why Choose GXS FlexiLoan?

Experience financial flexibility with our revolutionary credit line designed for Singapore residents

No Hidden Fees

Enjoy zero annual fees, no processing fees, no early repayment fees, and no late fees. What you see is what you pay.

Quick Cash Disbursement

Get your cash disbursed within minutes of approval. Access funds whenever you need them with just a few clicks.

Flexible Repayment

Choose your own monthly repayment date. Repay early and save on interest with our non-compounding daily interest calculation.

Multiple Drawdowns

Access multiple loans from a single credit line. Draw down up to your approved credit limit whenever you need funds.

SDIC Protected

Your deposits are insured up to S$100,000 by the Singapore Deposit Insurance Corporation (SDIC) for peace of mind.

Interest-Free Period

Pay no interest if you don't make any drawdowns. Interest is calculated only on the amount you have withdrawn.

Current Special Offers

Take advantage of our exclusive promotional offers and maximize your savings

How It Works

Getting started with GXS FlexiLoan is quick and simple

Check Eligibility

Review the eligibility criteria and ensure you meet the requirements before applying.

Submit Application

Complete the online application form with your personal and financial details.

Get Approved

Receive approval within minutes. Your credit line will be ready for drawdown.

Draw Down Funds

Access your funds instantly. Draw down up to your approved credit limit anytime.

Competitive Interest Rates

Transparent pricing with no hidden costs

Instalment Loan

From 1.6% p.a. (EIR 3% p.a.) with promotional rebates available for qualified applicants.

Standard Rate

From 2.99% p.a. (EIR 5.65% p.a.) for flexible credit line usage with daily interest calculation.

Balance Transfer

0% interest balance transfer with one-time fee. Consolidate your debts at low cost.

What Our Customers Say

Real experiences from Singapore residents who have benefited from GXS FlexiLoan

★★★★★

"The application process was incredibly smooth. I got my funds within hours. The no-fee structure is a game-changer compared to other lenders."

Michael K.

Singapore

★★★★★

"I used the Shell promotion and got S$100 in vouchers plus the 60 days interest-free period helped me manage my cash flow perfectly."

Sarah L.

Singapore

★★★★★

"The flexibility to draw down multiple times from a single credit line is fantastic. No need to reapply whenever I need funds. Highly recommended!"

David C.

Singapore

Frequently Asked Questions

Find answers to common questions about GXS FlexiLoan

GXS FlexiLoan is a flexible credit line that allows you to borrow from S$200 up to S$10,000 or more based on your credit assessment. You can make multiple drawdowns up to your credit limit, and you only pay interest on the amount you have withdrawn. Interest is calculated daily and does not compound, which means you save more when you repay early.

Once your application is approved, funds are typically disbursed within minutes to your designated bank account. The speed may vary depending on your bank's processing times, but most customers receive their funds on the same day of approval.

No, GXS FlexiLoan has no hidden fees. There are no annual fees, no processing fees, no early repayment fees, and no late fees. You only pay interest on the amount you have borrowed, calculated on a daily basis. If you do not make any drawdowns, you pay zero interest.

Yes, you can repay your loan early at any time without any penalties. Since interest is calculated daily and does not compound, repaying early means you save on interest costs. There are no early repayment fees, and you can reduce your outstanding balance whenever you have extra funds.

While there are no late fees, please note that a default interest rate of 28% p.a. applies to overdue amounts. It is important to make your repayments on time to avoid additional interest charges and to maintain a good credit standing. If you are facing difficulties with repayment, please contact GXS customer service as early as possible to discuss your options.

To apply for promotional offers like the EXTRA500, Shell Voucher, or IKEA promotions, simply name your loan with the specific promotion code (e.g., "EXTRA500", "Shell", or "IKEA") when applying through the GXS website. Each promotion has specific eligibility criteria regarding minimum loan amount and tenure. Please refer to the promotion details above for complete terms and conditions.

Yes, GXS takes data protection very seriously. Your personal and financial information is protected through industry-standard security measures and encryption technology. GXS complies with Singapore's Personal Data Protection Act (PDPA) and follows strict data handling practices to ensure your information remains confidential and secure.

Your credit limit is determined based on your credit assessment and financial profile. While there is no automatic increase, you may request a credit limit review by contacting GXS customer service. Responsible repayment behavior and improved financial standing may support a credit limit increase request.

Financial Health Disclaimer: Borrowing money involves financial responsibilities. Please ensure you can comfortably afford the repayments before applying. Defaulting on loans may result in additional charges, legal action, and negative impact on your credit rating. If you are experiencing financial difficulties, please seek advice from credit counselling agencies such as the Credit Counselling Singapore (CCS) at 1800-2255-823.

Affiliate Disclosure: This website is an affiliate marketing site. We may receive a commission or referral fee when you click on certain links and make a purchase through our referral partners. This comes at no additional cost to you. Our reviews and recommendations are based on our independent research and honest assessment of the products and services available.

Interest Rate Disclaimer: The interest rates mentioned are indicative rates and may vary based on your credit assessment, loan amount, and tenure. The Effective Interest Rate (EIR) is calculated based on the reducing balance method and includes all applicable fees and charges. Final rates will be confirmed upon approval of your application.

GXS FlexiLoan for Your Financial Needs