Credit Card Consolidation Loan

We offer unsecured credit card consolidation loans up to $300,000 SGD with longer loan tenures to provide you with one of the best loans in town.

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We make it a breeze to pay off your debts, without the fuss and drama.

Multiple credit card debt and falling behind on your repayments?


It can get pretty confusing and troublesome if you have many credit card bills to pay every month. It is easy to miss out any payment and credit cards are known to carry very high interest rates.


A credit card consolidation loan helps to consolidate your credit card debt into one single payment per month, making it easier for repayments. 


When you apply for a credit card consolidation loan, you will also be offered lower interest rates and a more comfortable repayment period. 


This bill consolidation helps you to clear your debt and maintain, or even improve your credit score.


If you are currently struggling to make timely repayments on your credit card bills, you might wish to consider opting for a credit card consolidation loan. 


Save yourself the trouble as it is much more convenient, while also providing you with better and lower interest rates.


Get out of your credit card debt, starting today with a credit card consolidation loan from Lending Bee®.

Benefits of a Credit Card Consolidation Loan with Lending Bee®

Our credit card consolidation loan stands out as we provide our borrowers with a wide range of unique benefits.

Better and improved
credit scores

Flexible
loan tenures

Ease of application
and approval

Increased
convenience

FAQ on our Credit Card Consolidation Loans

Frequently Asked Questions

How does a credit card consolidation loan work?

A credit card consolidation loan will amass all your current credit debt across various financial institutions into a single loan.

With a credit card consolidation loan, you will have to make fixed monthly repayments over the period of your loan tenure.

This makes for more effective repayment as you will not have to keep track of your multiple loans and their repayment dates and interest rates.

Should I consider a credit card consolidation loan?

A credit card consolidation loan will come in handy if you are currently having trouble paying off your multiple credit card debt.

It can be extremely helpful for you to clear off your high interest debts.

This way, you will be better able to keep track of your loan repayments and avoid incurring unnecessary late repayment fees.

A credit card consolidation loan can also help you get lower interest rates, saving you a significant amount of money.

Will your credit card consolidation loan amass all my current debt across the various banks?

Yes. Our credit card consolidation loan will help bring together all your existing credit card debt amassed from various financial institutions into a single plan for easier repayment.

For instance, if you have existing credit debt with three other financial institutions, we can combine them for you into one single credit card consolidation loan.

This way, you will only have to make a single monthly repayment, at a fixed interest rate.

What is a credit score and how does it affect me?

Credit score is a number used by moneylenders to evaluate how likely an individual will repay his debts and the probability of defaulting on loans.

It calculates the amount of risks moneylenders face when they lend individuals a loan.

In essence, it is a four-digit number developed from an individual’s previous payments and loan history.

The score ranges from 1000 to 2000, along with a risk grade from AA – HH.

Those with a lower score of 1000 (HH) means that they may have a higher chance of defaulting on a loan.

Those with a higher score of 2000 (AA) means that they will have a lower chance of defaulting on a loan.

Along with each score, a risk grade and percentage description will be given. The higher the credit score, the easier it is to get a loan.

When applying for a loan, the financial institution will not only look at your credit score, but also at your salary, employment term and bankruptcy information.

Are credit card consolidation loans good for my credit score?

With the help of a credit card consolidation loan, you will be able to clear your debts more efficiently at lower interest rates.

More importantly, ensure that you make your monthly repayments on time and pay off your full loan amount. This can help to improve your credit score.

Who is eligible for a credit card consolidation loan?

To qualify for a credit card consolidation loan with Lending Bee®, you’ll simply have to:

  • Be a Singapore Citizen, Permanent Resident or a Foreigner with a valid work permit
  • Be at least 21 years old
  • Be employed / self-employed

What documents are required to obtain a credit card consolidation loan?

For Singaporeans / PRs:

  • Proof of identity (NRIC, passport)
  • Proof of income (CPF / bank statements)
For Foreigners:
  • Work Permit / S Pass / E Pass
  • Proof of residence (Utility bills, phone bills, tenancy agreement, etc.)
  • Payslips / bank statements

What is the application process for a credit card consolidation loan like?

At Lending Bee®, all applications for our credit card consolidation loan is kept fast and simple.

  • Step 1: Submit your application via our online application form.
  • Step 2: We will drop you a call regarding your loan application status within the hour.
  • Step 3: Head down to your selected Lending Bee® branch, sign the contract and receive your loan.

How fast can I receive my loan?

We will disburse the funds to you immediately after you have accepted and signed our loan contract at any of our branches.

I have a poor credit score. Can I still apply for a credit card consolidation loan?

Yes, you can still apply for a credit card consolidation loan with us. We aim to help our borrowers regardless of their credit scores.

This is why we do not have specific restrictions with regard to credit scores.

Will I be charged if I make early repayments?

No, we do not charge any fees for early loan repayments.

Outstanding interests, if any, will also be nullified once you have finished repaying your loan earlier than the date stipulated in your loan contract.

Will my loan documents and information be mailed to my home?

No, we do not mail any of your loan information to your home.

All loan details will be kept digital, and private with us, unless a physical copy is requested.

Additional Resources on Consolidation Loans

Our Latest Customer Reviews

Borrow with confidence. Lending Bee® licensed moneylender has more than 1,900 positive customer reviews on Google Business.

Roger Davis
Roger Davis
December 21, 2022.
The branch at Far East Plaza has very good staffs who know their job and has recommended us, those who needed money for that moment of time. Very transparent and efficient. Trusted lending for sure. Thank you 阿光!
Jia Hao
Jia Hao
November 21, 2022.
Kuang have been so helpful. Sincerely in helping you out. Will recommend lending bee
J Hammer
J Hammer
November 19, 2022.
Great service and explanation. Thanks to Kuang
mr hamster
mr hamster
November 18, 2022.
Great service n friendly staff. Thanks kuang for answered n explained all my questions patiently.
Boey Chen
Boey Chen
November 13, 2022.
Thank you Kuang for the excellent service. He is very professional and patience. So much understanding from this company. High recommended for those who need financial help.
Akmal Zubair
Akmal Zubair
November 13, 2022.
Staff kuang were very friendly and explanation given was clear and easy to understand. 10/10
zaidi zali
zaidi zali
November 13, 2022.
Was served by Kuang today. Very professional and offered excellent advice. Recommended to come here if you need any financial advice.
umaira sahira
umaira sahira
November 10, 2022.
I was assist by Norman. He was very nice and kind enough to provide the most possible solution for my problem. Thank you very much.
Louis Kay
Louis Kay
November 1, 2022.
Serviced by Kuang and Derek, very professional consultant and advise me. To keep good employees like them should appreciate and let them have more incentives and benefits and pay increase. Thank you!!!

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