As long as you have a consistently good credit rating, you can go directly to a bank or a licensed money lender for your personal loan application. Keep in mind that banks have a higher standard for borrowers in terms of their annual income. On the other hand, licensed lending institutions have a more relaxed rule with the income brackets they provide. The most important thing is that you qualify for their requirements.
Before you apply for a loan, be sure to check the reputation and legality of the company’s operations. You should only trust money lenders that are registered with the Ministry of Law (MINLAW) or the Monetary Authority of Singapore (MAS).