Services
One engine. Three services.
FundBright Loan Comparison Services
Compare personal loans, debt consolidation, and renovation gap loans — all powered by inverse commission.
Every FundBright service runs off one inverse-commission engine. Lenders compete by cutting rates, not by paying the highest flat fee.
The Moneylenders Act sets one aggregate borrowing cap across every licensed facility a borrower holds — it makes no distinction between a personal loan, a renovation loan, and a consolidation facility. Every product draws from the same regulatory ceiling. FundBright’s commission model is tied to the final disbursed rate, verified through end-to-end reconciliation after the mandatory in-person handover. That verification step is what holds lenders to the rate they quoted.
Most comparison platforms in Singapore run separate product pages with separate flat-commission arrangements. A personal loan referral pays the same fee whether the borrower lands a rate of 1.5% p.m. or 4% p.m. — the ceiling quote is the rational response. FundBright inverts that structure. No priority, no favourites. Best offer wins. You stay in control.
Three Comparison Services
Every comparison service below runs on the same inverse-commission engine. One form. FundBright routes the application to the relevant lending partners. Offers arrive within 24 hours. The borrower chooses.
Personal LoanPersonal Loan Comparison
For borrowers above the S$2,500 monthly income band who qualify for licensed lender credit but routinely land at the 4% p.m. ceiling on flat-commission platforms. FundBright's inverse-commission engine gives lenders a reason to quote below the ceiling.
Up to ~23 p.p. p.a. projected savings vs ceiling
Debt ConsolidationDebt Consolidation Comparison
Singapore's bank-run Debt Consolidation Plan requires a minimum income threshold and a bank-grade credit profile. Borrowers who carry credit card rollovers at roughly 27% per annum but fall outside DCP eligibility have limited options. FundBright routes them to licensed lenders competing on the same inverse-commission basis.
Exit credit card debt via sub-ceiling personal loan
Renovation GapRenovation Gap Comparison
Bank renovation loans typically cap at around S$30,000. Homeowners whose HDB or BTO renovation exceeds that cap face a stage-payment funding gap. FundBright compares licensed lender personal loans structured to bridge that shortfall, with the same inverse-commission incentive driving rates below the ceiling.
Bridge the bank renovation loan cap gap
One form. Multiple offers.
No hard pull.
One soft enquiry. Multiple offers from licensed lending partners, typically within 24 hours. Review every offer — interest rate, admin fee, tenure, total repayment, EIR — before making a decision.
Find My Best Loan RateChecking will not affect your credit score