FLEX

FL
EX
GXS FLEXILOAN
GXS FLEXILOAN

A loan that fits your needs

And stretches to your goals

Instant cash with GXS FlexiLoan

Get a quick cash boost with GXS FlexiLoan, now at 0% interest with Balance Transfer.

One GXS

Account

FLEXI

LOAN

FLEXI

LOAN

FLEXI

LOAN

Two ways to draw a loan
Pick a personal loan type that fits your needs
Pick a personal loan type that fits your needs.
0%

Balance Transfer

Instant cash at 0% interest, with a low one-time fee and low monthly repayments.

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NEW
or
2.99
%
p.a.

Instalment Loan

Low interest rates from 2.99% p.a. (EIR 5.65% p.a.), no fees and equal monthly repayments.

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WHY FLEXILOAN?

Enjoy a flexible cash boost with an Instalment Loan
and customise a loan that works for you.

WHY FLEXI-LOAN?

Enjoy a flexible cash boost with an Instalment Loan and customise a loan that works for you.

Low rates.

Get quick cash at low interest rates. It's a personal loan that finally puts you first.
From

2.99%p.a.

(EIR 5.65% p.a.)

No fees.

We don’t charge annual, processing, early repayment or late fees with GXS FlexiLoan.

Late interest is chargeable upon late repayment.
Fees apply for Balance Transfer

Flexible
borrowing.

Whether it's S$200 or S$10,000, draw multiple loans from your GXS FlexiLoan credit line whenever you need.

No interest is charged if no drawdowns are made.

Flexible repayments.

Choose your repayment date and loan tenure. Save on interest when you repay your loan early.
GET STARTED
Get your GXS FlexiLoan in 3 easy steps
1

Download the app.

Get the GXS app and sign up for a GXS FlexiLoan account today. Easily view your available credit limit and interest rate.

Download now
2

Customise your loan.

Enter your loan amount, choose your repayment tenure (2 to 60 months) and select your preferred monthly repayment date.

3

Get cash in minutes.

Receive the funds in your preferred bank account within minutes.

For the full list of prizes and promotion terms, click here.

A monthly lucky draw will be conducted for the months of April, May and June 2024.

Existing GXS FlexiLoan customers are eligible for the lucky draw 

(if step 2 is completed during the 3 months), and are not eligible for the S$50 Grab voucher.
1 YEAR OF FLEXI-
LOAN
1 YEAR OF FLEXILOAN
0
loans taken
0
Total interest saved with early repayment, thanks to our daily interest calculation

CONGRATULATIONS TO OUR JUNE WINNERS!

CONGRATULATIONS TO OUR MAY WINNERS!

CONGRATULATIONS TO OUR APRIL WINNERS!

Got questions?

We got answers.

What is a GXS FlexiLoan?

The GXS FlexiLoan is a credit line you can draw multiple loans from, up to your credit limit. Apply within minutes, choose your tenure and repayment date, all within your GXS app. You can even save on interest when you repay early, with no fees charged. We don't call it a FlexiLoan for nothing!

Am I eligible for a GXS FlexiLoan?

You can apply for a GXS FlexiLoan if you are:

  • Aged between 21 and 65 years old;
  • A Singapore Citizen or a Singapore Permanent Resident; and
  • With a minimum annual income of S$20,000

Where can I find my GXS FlexiLoan interest rate?

Your interest rate (APR and EIR) will be shared with you upon successful application along with your assigned credit limit, so that you have all the details you need to make an informed decision on whether you wish to take on the GXS FlexiLoan.

You may also find your interest rate within the GXS FlexiLoan home screen right beneath your credit limit.

How is my GXS FlexiLoan interest calculated?

Interest is calculated on a daily, non-compounding basis. This means that interest is only charged on your outstanding GXS FlexiLoan balance of the day. So you get to enjoy interest savings if you repay early, since your outstanding GXS FlexiLoan balance has been further reduced.

What are the fees I need to pay for my GXS FlexiLoan?

Lucky you! There are zero fees involved, whether for prepayment, processing or late payment. We won't even charge you for paying early, and on top of that, you get to enjoy interest savings!

While there are no fees, you will still be charged late interest at a default rate of 18% p.a. for late payments. Simply repay early or on time to avoid this.

Homegrown bank, backed by homegrown parents

GXS holds a bank license issued by the Monetary Authority of Singapore.

It is backed by a consortium consisting of Grab Holdings Inc., Southeast Asia’s leading super app and Singtel, Asia’s leading communications technology group.

GXS is a separate entity and is not associated with Grab Holdings, Singtel and their entities. The GXS Savings Account is provided by GXS.

1. Effective Interest Rate (EIR) is calculated based on an average loan amount of S$10,000 with a 24-month repayment period, from 1 Jan 2024 to 1 Jan 2026.

By applying for the GXS FlexiLoan, you confirm that you are between 21 to 65 years old (inclusive), a Singaporean citizen or permanent resident, and earn a minimum income of S$20,000 p.a., and you consent to GXS Bank reporting to, or conducting checks with, Credit Bureau (Singapore) Pte Ltd for the purposes of your loan application.

Approval of all GXS FlexiLoan applications is subject to receipt of all supporting documents and further review. GXS Bank reserves the right to approve or reject your application without providing any reasons. Late interest charges may apply in the event of late repayment. Your loan is subject to review from time to time, and may be cancelled by GXS Bank at its discretion.

Click here for the GXS FlexiLoan Terms and Conditions that apply. GXS Bank is a separate entity and is not associated with the businesses of Grab Holdings, Singtel and their entities. The GXS FlexiLoan is provided by GXS Bank. GXS Bank holds a banking licence and is regulated by the Monetary Authority of Singapore.