Estimate your repayments easily
Planning a dream home or a dream wedding? Sands Credit offers fast, flexible loans to help you finance renovations, furniture, or your big day — without straining your savings.
Select the loan type:
Whether you’re hacking walls, rewiring your flat, or buying new furniture and appliances to refresh your living space — upgrading a home in Singapore can be expensive. That’s where Sands Credit comes in. Our Renovation & Furniture Loan is a flexible financing solution designed to help homeowners, tenants, and landlords bring their interior dreams to life. We fund everything from contractor works to custom furniture, electronics, and appliances — so you don’t have to delay your plans due to budget limitations.
Make Your Dream Home a Reality with Fast Renovation Financing — From Walls to Wardrobes
Create Your Dream Space, One Affordable Payment at a Time
Covers Full Renovation + Furnishing Costs
Use for Carpentry, Flooring, Wiring, Painting & More
Use for Furniture, Appliances & Fixtures
Fast Approval & Same-Day Disbursement
Flexible Repayment Options to Fit Your Budget
No Collateral or Credit Card Needed
Minimal Documentation, Transparent Terms
Renovation Works:
Furniture & Appliances:
Whether you’re renovating a newly collected BTO, sprucing up a resale flat, or upgrading a rental unit, this loan is perfectly tailored to support your entire home improvement journey.
New homeowners renovating BTOs or resale units
Couples preparing for marriage and new homes
Landlords upgrading rental properties
Tenants purchasing furniture for long-term stay
Anyone planning to furnish or remodel their space
NRIC
Payslips (latest 1-3 months)
CPF contribution history or NOA
Proof of address or home ownership/tenancy
Passport & Work Pass
Employment Letter and Payslips
Proof of residence (tenancy agreement)
Be at least 21 years old
Proof of home ownership or rental agreement
Possess a satisfactory credit history (no bankruptcy/DRS)
A renovation loan typically covers contractor works, such as hacking, electrical, or carpentry. A furniture/appliance loan helps finance movable items, like sofas, beds, and electronics. At Sands Credit, we combine both into one flexible solution — so you can renovate and furnish your home with one loan, one monthly repayment, and less hassle.
Depending on your income and needs, we offer up to $30,000 or more, subject to eligibility. Whether it’s full-home renovation or just buying a new washer and sofa, we’ll tailor the loan to your exact situation.
Yes, as long as you’re still in the midst of completing the work or purchasing furniture/appliances, you can apply for financing to cover ongoing or upcoming payments.
It's recommended but not compulsory. Having a quotation or invoice from the store or contractor helps us understand your loan purpose and provide more accurate support.
Absolutely! Our furniture loan allows you to shop at any major retailer or even custom furniture makers. Whether you’re buying ready-made or made-to-order items, you’re covered.
You may be eligible for a top-up loan, depending on your repayment history and updated documents. We advise budgeting wisely and applying for a buffer if needed.
No. You are free to repay the loan early at any time with no penalties, and you’ll even save on interest.
Sands Credit is conveniently located at Block 513 Bishan Street 13 #01-514 Singapore 570513 Block 513 Bishan Street 13 #01-514 Singapore 570513 , just a short walk from Bishan MRT and the bus interchange. Walk in for a free consultation or reach us online to apply instantly.
Weddings in Singapore are once-in-a-lifetime events — but the costs can quickly add up. From banquet bookings and bridal packages to photographers, dresses, and honeymoons, even a modest wedding can put pressure on your savings. With a Wedding Loan from Sands Credit, you can focus on making your big day memorable, while we take care of the financing. We offer quick approval, flexible terms, and no collateral required — so you can walk down the aisle with peace of mind.
Make Your Dream Wedding Happen Without Financial Stress
Celebrate Love, Not Financial Worry
Covers All Wedding-Related Expenses
Fast Approval — Get Funds in 30 Minutes
Flexible Monthly Repayment Plans
No Collateral, No Hidden Fees
Ideal for Pre- and Post-Wedding Costs
Transparent, Licensed & Trusted
Whether you’re planning a lavish celebration or a cozy ceremony, we can help you fund the experience you truly want — without draining your savings or relying on multiple credit cards.
Engaged couples planning their wedding
Newlyweds paying off post-wedding costs
Parents assisting children with wedding expenses
Individuals covering cultural ceremony obligations (e.g. betrothal gifts, tea ceremony)
Latest 1–3 months’ payslips
Proof of residence in Singapore
To qualify for a wedding loan:
Must be able to show stable income and repayment capability
A wedding loan is a type of personal loan designed specifically to help cover marriage-related expenses. At Sands Credit, we understand that weddings in Singapore can cost tens of thousands of dollars. Our flexible wedding financing lets you spread out these costs in affordable monthly repayments — so you can plan your dream wedding without draining your savings or compromising on important details.
Loan amounts typically range between $2,000 and $30,000, depending on your income, financial commitments, and repayment capacity. Whether it’s a grand affair or a private ceremony, we’ll help you structure a loan that suits your budget.
It’s optional, but having a banquet booking, bridal studio quote, or travel package reference can help us recommend a suitable loan amount.
Absolutely! The loan can be used for honeymoon travel, accommodations, tours, or even visa expenses. We want you to enjoy a full, stress-free wedding experience — from "I do" to your first holiday as a couple.
Yes. You can repay your wedding loan early at no extra charge, which helps save on interest and gives you a clean financial start as newlyweds.
Of course. Many couples use a combination of savings and financing to ease their wedding planning. Our wedding loan helps reduce the financial strain, so you don’t have to dip too deeply into emergency or home savings.
You can visit Sands Credit at Block 513 Bishan Street 13 #01-514 Singapore 570513 Block 513 Bishan Street 13 #01-514 Singapore 570513 — a short walk from Bishan MRT and bus interchange. Book an appointment or walk in anytime for a free consultation.