A loan that fits your needs

And stretches to your goals

Your bill's on us

Get a cash boost for your year-end spend and stand to win up to S$3,000 in cash. Sign up and take a loan now to get up to S$35 in Grab vouchers.

Find out more

Enjoy low rates from


(EIR 5.65% p.a.)

With GXS FlexiLoan, reaching your goals is no longer a stretch, thanks to flexible repayments, no fees, and interest savings.

Limited time only

For new FlexiLoan account holders who have been approved from August 2023 onwards.
T&Cs apply.

No Fees.

You read that right. We don’t charge annual, processing, early repayment or late fees.

Late interest is chargeable upon late repayment.


Whether it's a S$200 expense or a S$10,000 idea, draw multiple loans from your credit line anytime you need.

Not ready to draw down? No worries, your credit line is on standby with no interest charged if no drawdowns are made.

The figures above are for illustration purposes only.


Save on interest when you repay your loan early. Forget about fees, we don't charge you for that.

You call the

With flexible repayments, choose your preferred tenure and repayment date to pay what you can, when you can.

in minutes.

Open a GXS FlexiLoan account and receive cash in minutes, no strings attached. It's that easy.

How to get a GXS FlexiLoan

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

Customise your loan.

Enter the loan amount you'd like to draw, choose your repayment tenure (between 2 and 60 months) and select your preferred monthly repayment date.


Get cash in minutes.

Receive the funds in your preferred bank account within minutes.


Rates as low as

(EIR 5.65% p.a.)

Enjoy super low interest and super fast cash. A personal loan with rates so low, you won't believe your eyes.

Don’t miss out!

Limited time only

For new FlexiLoan account holders who have been approved from August 2023 onwards. T&Cs apply.

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
How is my GXS FlexiLoan interest rate 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.

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.

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 2023 to 1 Jan 2025.

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

Approval of your application is subject to receipt of all supporting documents and further review. GXS 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 at its discretion.

Visit gxs.com.sg/flexiloan-terms for GXS FlexiLoan Terms and Conditions that apply.