🇸🇬 Singapore & ASEAN · Online loan application · Clear fees
Online loans for Southeast Asia.
Apply in minutes.
Built for residents of Singapore, Malaysia, Thailand, Indonesia, the Philippines, Vietnam, and all ASEAN countries — plus global applicants. One short form, KYC uploads, a small ETH application fee, then we email next steps. No branch visit. If you’re approved, funds can reach your wallet quickly on Ethereum.
No wallet plugin needed for the form. Use any Ethereum wallet or exchange to send the application fee. We’re here to make getting a loan feel straightforward.
why chainlend
Borrowing, without the headache.
Money that moves when you’re approved
Once everything checks out, funds go to your wallet on-chain — often in minutes, not weeks of bank processing.
fast disbursement
No house or car as collateral
We look at your profile and on-chain history — not a lien on your assets. Easier to apply than a traditional secured loan.
ChainScore™ friendly
Fees you can understand upfront
Application: 0.01 ETH (one time, before we say yes). If you get the loan: 1.5% of principal plus your APR and monthly payments — spelled out before you commit. No fine-print surprises.
clear pricing
Singapore & ASEAN — same online flow
All ten ASEAN members are in the form (Brunei to Vietnam). Also US, UK, Azerbaijan, or type any country under Other. Compare costs with the calculator before you commit — like the transparency shoppers expect from top loan comparison sites.
ASEAN + global
Loyalty Rewards Program
Earn CHLEND tokens on every repayment. Redeem for fee discounts, higher loan limits, and priority approvals. Stake tokens for yield.
earn CHLEND tokens
Audited Smart Contracts
Contracts audited by CertiK and Trail of Bits. $2M bug bounty active. Your funds are protected by industry-leading security standards.
CertiK certified
application journey
Four steps. No guesswork.
Whether you’re searching for a loan in Singapore, Kuala Lumpur, Jakarta, or Bangkok, the path is the same: online form → documents → fee → human review by email.
01
Tell us about you
Basic info + email (where we’ll write back). Nothing to install — takes most people just a couple of minutes.
02
Snap & upload
ID, selfie, proof of address, bank statement, and optional extra income proof — encrypted in transit.
03
One small ETH payment
Send 0.01 ETH to the address we show you — from MetaMask, Coinbase, or any exchange that supports Ethereum. Copy-paste friendly.
⚡ 0.01 ETH application fee
04
We take it from here
We verify your payment and documents, then email you with a clear yes/no or a quick question. Approved? We’ll explain the 1.5% loan fee and repayment schedule in plain language.
// fee_structure.sol
struct FeeSchedule {
uint256 applicationFeeWei = 1e16; // 0.01 ETH, before approval
uint256 loanFeeBps = 150; // 1.5% of principal, after approval
uint256 interestAprBps; // interest by tier
uint256 chainId = 1; // Ethereum mainnet only
uint256 lateFeeDaily = 50; // 0.5%/day
bool appFeeRefundable = false;
bool appFeeCreditable = false;
}
uint256 applicationFeeWei = 1e16; // 0.01 ETH, before approval
uint256 loanFeeBps = 150; // 1.5% of principal, after approval
uint256 interestAprBps; // interest by tier
uint256 chainId = 1; // Ethereum mainnet only
uint256 lateFeeDaily = 50; // 0.5%/day
bool appFeeRefundable = false;
bool appFeeCreditable = false;
}
4.2s
avg block time
100%
on-chain auditable
2.4%
min interest rate
loan calculator
See payments before you apply
Move the sliders — no signup. When you’re comfortable with the numbers, start the application and we’ll guide you through the rest.
Loan Amount $500
$50$5,000
Loan Term 12 months
1 mo36 mo
ChainScore™ Tier Excellent (720+)
StarterExcellent
Monthly Repayment
principal + interest
$43.87
Interest Rate (APR)
2.4%
Application fee
0.01 ETH · before approval · Ethereum mainnet only
0.01 ETH
Loan fee (after approval)
1.5% of principal at disbursement · plus interest (see monthly payment)
1.5%
Est. Net Disbursement (USD)
after 1.5% loan fee · application fee separate
—
common questions
FAQ — loans in Singapore & ASEAN
Answers for people comparing online loans, personal loans, and microloans across Southeast Asia.
Can I apply from Singapore or other ASEAN countries?
Yes. Select your country in the form — all ten ASEAN members are listed, plus the US, UK, and Azerbaijan. If you live outside those options, choose Other and type your country. Everything is submitted online.
How is this different from a bank loan comparison site in Singapore?
Traditional sites aggregate bank offers; ChainLend is a direct online application with stated fees (0.01 ETH to apply; 1.5% loan fee only if approved) and payout to your Ethereum wallet. Use our calculator to preview repayments before you apply — no signup required.
Why is there an ETH application fee?
It covers processing and reduces spam. It is paid on Ethereum mainnet before approval. The 1.5% loan fee applies only if you receive a loan. Gas is separate.
What documents do I need?
Photo ID, selfie, proof of address, and a recent bank statement are required. You may add extra income proof optionally. Max 10MB per file.
How long until I hear back?
Typically within 1–3 business days after we match your documents and application fee. Check spam folders — we reply by email.
borrower dashboard
Your Loan Portfolio
Active Loans
History
Rewards
0x7f3a...9c2d ✓ verified
$1,250
Active Balance
$342
Total Repaid
847
CHLEND Earned
L1
Business Expansion Loan
Started Mar 2026 · 18 months
$800 / $1,200
Active
L2
Emergency Medical Loan
Applied Apr 2026
$450
KYC in progress
Pending
L3
Equipment Purchase
Applied Apr 2026
$1,500
Smart contract review
In Review