Personal loans are loans that are taken out when you are in need of cash to pay for unexpected expenses such as car repairs, hospitalisation fees, operations etc. Everyone is bound to stumble upon unpredicted obligations that they must take care of at times.

​HHL Credit values the personal discretion that everyone wants. Taking into consideration that the local banks would require a borrower to furnish a reason for the loan and supporting documents to validate that the loaned amount is indeed used to pay off the related expenses. We do not want to intrude our borrower’s privacy by asking what the money is being used for.

All personal loans from HHL Credit are unsecured, meaning they are no-collateral personal loans and don’t require you to put up your possessions to be approved for the loan. HHL Credit’s unsecured loans can be used for any form of personal expense.

We try to be flexible with our repayment schemes for our Personal Loans on a case-to-case basis so that we may be better able to cater to your repayment ability. Many a times, when we are in need of a loan, the banks do not make it easy for us to gain access to the stipulated amount needed. Frustrations and agony will surface as Personal Loans are only needed during emergency situations. But due to procedures and approval processes from banks, time is not on your side. Hence, factoring in the high interest rates provided by banks, it is ideally not possible to take out a loan for emergency purposes.