If you are struggling with managing your debt or dealing with high-interest rates, CFI’s debt consolidation loan plan in Singapore will help you settle these problems.

Debt consolidation is a strategic financial solution that consolidates all of your credit facilities (e.g., joint accounts, credit cards, and renovation loans) across different financial institutions via a single management program. It aims to reduce your monthly payment by lowering your bills’ interest rates, making it easy for you to pay off the debt.

This debt-relief option untangles customers from financial messes that come with paying off multiple bills from multiple companies with various deadlines. By consolidating all payments into one plan, you may save more time and money at once.

Should I Consolidate My Debt?

If you struggle with paying off your credit card and need a financial plan to follow, talk to us about debt consolidation. Together, we can work on a reachable goal every month until you can breathe again financially. Think of it this way: one easy payment, once a month, to one creditor.

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Simplified Process


  • Min age of 18 years
  • Maximum of 30 minutes turn over time
  • Only need 1 form of ID
  • Maximum 3.9% interest per month
  • No minimum or maximum loan amounts
  • Don’t forget to bring along a payslip, the last 12-month CPF contribution notice, or an income tax notice
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How it works

Unlicensed money lenders are always on the lookout for the innocent to cheat and often have unfairly compounded high-interest rates and numerous hidden fees that can make it tremendously difficult for you to find debt relief. It can be very difficult with the high-interest rates to find ways to pay off the debt you owe. Owing money to all these people can be confusing and difficult to track and can lead to missed payments or even payments to the wrong cards.

By making use of a debt consolidation loan in Singapore, you will mostly be able to achieve a lower interest rate than before. Furthermore, consolidating your debt into one account will allow you to keep track of the total amount and interest rate and let you pay just one simple monthly payment.

Lastly, working with a trusted financial institution like Capital Funds Investment (CFI) will allow you to tailor your loan repayment plan to one suited to your lifestyle needs and salary.

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Benefits of debt consolidation

  • Lowered interest rate
  • Maximum of 30 minutes turnover time
  • Easy tracking of the consolidated loan in one place
  • Tailored minimum monthly payments and loan duration
  • Quick and easy application – We will release the loan to you as soon as the documents are signed and approved!
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Trustworthy and responsible

Always make sure that you are dealing with an authorised and licensed moneylender by Singapore’s Ministry of Law (Minlaw). There are many cases, especially of non-licensed moneylenders and debt settlement companies offline and online, who might run away with your money. These companies typically offer very low-interest-rate loans with very high upfront fees, and once they have taken your initial payment will close up and vanish. When choosing a debt consolidation loan provider, look for a trustworthy and responsible legal money lender to help you.

Capital Funds Investment (CFI) is a licensed moneylender by the Singapore’s Ministry of Law (Minlaw). We look to give people the ability to use the best financial tools on the market and believe in not making people pay more than they should. Our financial service specialists will work with you to find the best way to combine all your loans in one package, giving you the lowest interest rates and the longest windows you need to help you fulfill your goals.

Debt relief is never easy, but there is no need to make it more difficult than it has to be. Take control of your debt today. Contact us now to hear more about what types of loans we offer and secure a debt consolidation loan. Let us know how we can best help you to get debt-free!

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Simplify the payments of your loans with CFI’s flexible debt consolidation plans. Get in touch with us today by sending us an email at enquiry@loancfi.com or give us a call at +(65) 6281 7736. If you wish to apply for a loan, click here to get started.

Frequently Asked Questions

Unsecured loans, such as credit card borrowings and personal loans that do not require assets as collateral, may be overwhelming to an individual with their varying interest rates. Capital Funds Investments’ debt consolidation loan programme is designed to combine all these loans into one lump sum at a single interest rate.

Yes. We help you to control your debt by consolidating all your various loans from other money lending institutions such as ourselves. For example, if you have outstanding debts owed to six different companies, taking a debt consolidation loan with us will help to manage, and eliminate, all other interest rate loans at a single, flat interest rate.

Instead of having to deal with various unsecured loans at different interest rates, consolidating your debt into a single account provides you the convenience of tracking and your total amount of debt. At the same time, you will be able to repay the loan with a simple monthly payment at a lower interest rate than before.

Working with a trusted financial services provider such as Capital Funds Investments ensures you are provided with the best financial tools and interest rates on the market – and most importantly, free from worries about potential scams. We are licensed by Singapore’s Ministry of Law and employ a team of qualified financial service specialists who have knowledge and know-how to tailor a loan repayment plan that best suits your lifestyle needs and income.

Further, Capital Funds Investments’ debt consolidation programme offers some of the most competitive terms in the market with an interest rate of no more than 3.9% per month.

To be eligible for our debt consolidation loan programme, you must:

  • Be a Singapore Citizen or Permanent Resident aged 18 years or above as of the date of application
  • Have outstanding debts that you wish to consolidate under our debt consolidation loan

No. However, the total loan amount that we grant under this programme will depend on your salary and other personal financial information that you may supply us.

To be apply for our debt consolidation loan programme, please provide us:

  • A front and back copy of your National Registration Identity Card (NRIC) or driver’s licence; do note that only one form of identification is required
  • Latest income documents in the form of pay slips; OR Central Provident Fund statement/income tax notice reflecting your CPF contributions from the last 12 months

We guarantee a maximum 30-minute turnaround from the time of your application submission for your loan request to be processed. The loan amount is then released to you as soon as all documents are signed and approved.

No, so long as you provide and meet our abovementioned requirements. After receiving and reviewing your documents, we will determine if your preferred loan amount will be granted, or otherwise, suggest an alternative amount for your consideration.

For CFI’s debt consolidation plan, the maximum tenor is three years. We advise no longer than that, so as to avoid accumulating unnecessary interest. Our objective is to ultimately provide our customers a means to ease their financial burdens in the short term while eventually being able to enjoy a debt-free status in the longer run.

You may indicate your preferred tenor, although it is subject to our review and approval while we process your loan request.

Yes. One benefit of taking a debt consolidation loan with us is that we do not charge an early repayment fee. Any outstanding interest owed to us will be waived should you settle the owed amount earlier than agreed.

Yes, but you may only do so at least one month after the approval of your debt consolidation loan with us. No early repayment fee will be charged in this case.

No. The debt consolidation loan is to help you pay your outstanding debts. You will need to bear any early repayment, or other fees incurred in the refinancing process, without increasing your outstanding DCP loan amount.

You will need to obtain a settlement notice from your existing debt consolidation bank or lender before submitting a refinancing application, which will indicate your actual outstanding principal and accrued interest up to the date of notice generation. The outstanding principal stated on this notice will be your refinancing loan amount.