FLEX
EX
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
needs and maximises your goals.
needs and maximises your goals.
Balance Transfer
Instant cash at 0% interest, with a low one-time fee and low monthly repayments.
p.a.
Instalment Loan
Low interest rates from 2.99% p.a. (EIR 5.65% p.a.), no fees and equal monthly repayments.
Find out moreEnjoy a flexible cash boost with an Instalment Loan
and customise a loan that works for you.
Enjoy a flexible cash boost with an Instalment Loan and customise a loan that works for you.
Low rates.
2.99%p.a.
No fees.
Late interest is chargeable upon late repayment.
Fees apply for Balance Transfer
Flexible
borrowing.
No interest is charged if no drawdowns are made.
Flexible repayments.
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 nowCustomise your loan.
Enter your loan amount, choose your repayment tenure (2 to 60 months) and select your preferred monthly repayment date.
Get cash in minutes.
Receive the funds in your preferred bank account within minutes.
READY?
CONGRATULATIONS TO OUR JUNE WINNERS!
![](https://cdn.prod.website-files.com/6361d54daaadd91c364a9c51/668d74dbed84d849243d1341_FlexiLoan%20Q2%20June%20winners.png)
CONGRATULATIONS TO OUR MAY WINNERS!
![](https://cdn.prod.website-files.com/6361d54daaadd91c364a9c51/666b1aacc61fee83b42b7702_FlexiLoan%20Q2%20May%20winners.png)
CONGRATULATIONS TO OUR APRIL WINNERS!
![](https://cdn.prod.website-files.com/6361d54daaadd91c364a9c51/663c82b2199e05f6831f70a6_FlexiLoan%20Q2%20April%20winners.png)
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.
How do I qualify for the lucky draw and S$50 Grab voucher?
Easy! If you aren’t a GXS FlexiLoan customer, download the GXS app and click “Sign Up” to apply for a GXS FlexiLoan.
Next, you’ll need to:
- Draw a single loan of minimum S$3,000; and
- Select a loan tenure of minimum 6 months.
- The loan must be drawn between 3 April 2024 and 30 June 2024.
You’ll also need to ensure that your loan is still active and you have not prepaid more than 50% of your loan by 17 July 2024.
Only new GXS FlexiLoan customers will get to enjoy the S$50 Grab voucher. The S$50 Grab vouchers will be limited to the first 1,000 eligible new GXS FlexiLoan customers each month from April to June 2024.
If you already have a GXS FlexiLoan account, you will still be able to participate in the lucky draw as long as you meet the above eligibility criteria.
When will the lucky draw be conducted?
The lucky draw will be conducted on 6 May 2024, 5 June 2024 and 3 July 2024 between 10am to 6pm in the presence of external auditors at our office located at 3 Media Close, #09-00, Singapore 138498.
How many lucky draw winners will there be, and what is the prize?
There will be 29 winners in total, where 9 winners will be drawn at random each in April and May 2024, and 11 winners will be drawn at random in June 2024. Winners will receive prizes across 3 prize categories – Travel, Home and Tech.
For the full list of prizes, please click here.
How do I know if I have won?
Winners will receive official communication from GXS within 7 days from the relevant draw dates of 6 May 2024, 5 June 2024 and 3 July 2024 in the form of emails and/ or push notifications informing them that they have won. Winners may also receive a follow-up call from our customer support. Your full name and partially masked NRIC number will also be published on our website within 7 days from the relevant draw dates mentioned.
When and how will I receive my lucky draw prize or S$50 Grab voucher?
You will receive your lucky draw prize and/or voucher or be provided with information on how to claim or redeem your lucky draw prize and/or voucher by 31 July 2024.
The S$50 Grab voucher will be sent to your GXS registered email address in the form of an alphanumeric code. Please refer to https://www.gxs.com.sg/flexipromofaq to learn how to redeem your Grab voucher.
Lucky draw winners will receive instructions from the Bank on how to claim or redeem their prizes via their GXS registered email address.
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.