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!

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

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.

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.

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.