Welcome to Harborlight Trust

Choose the loan that fits your goal. Expand any loan below for full details, check your eligibility, or apply online in minutes.

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Loan Rate Max Amount Tenure Best For Action
Our Loan Products
Personal Loan Popular from 11.50% p.a. up to $100,000 up to 60 months Flexible everyday borrowing Apply Now
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Loan Details

  • Loans from $1,000 to $100,000
  • No collateral or guarantor
  • Fixed EMI repayment plans
  • Decision within 24 hours

Rates & Terms

  • Rate from 11.50% p.a.
  • Tenure up to 60 months
  • Processing fee up to 1.5%
  • Prepayment nil after 12 months

Eligibility

  • Age up to 60 at maturity
  • Monthly income from $2,500
  • Good credit score required
Business Loan from 9.75% p.a. up to $500,000 up to 84 months Working capital & growth Apply Now
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Loan Details

  • Loans from $10,000 to $500,000
  • Unsecured options available
  • Approval within 24 hours
  • No hidden fees

Rates & Terms

  • Rate from 9.75% p.a.
  • Tenure up to 84 months
  • Processing fee up to 1%
  • Prepayment nil after 12 months

Eligibility

  • Business aged 21+ years
  • 3+ years in operation
  • Annual turnover $100,000+
Mortgage Loan Best rate from 6.75% p.a. up to $1,500,000 up to 30 years Buy, build or renovate Apply Now
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Loan Details

  • Loans up to $1,500,000
  • Funding up to 90% of value
  • Tenure up to 30 years
  • First-time buyer rates

Rates & Terms

  • Rate from 6.75% p.a.
  • Tenure up to 360 months
  • Processing fee up to 1%
  • Prepayment nil after 12 months

Eligibility

  • Age 21+ years
  • Age up to 60 at maturity
  • Monthly income from $3,500
Auto Loan from 7.25% p.a. up to $100,000 up to 84 months New or pre-owned cars Apply Now
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Loan Details

  • Up to 100% on-road funding
  • New and pre-owned vehicles
  • Approval within 24 hours
  • Loan against car available

Rates & Terms

  • Rate from 7.25% p.a.
  • Tenure up to 84 months
  • Processing fee up to 1%
  • Prepayment nil after 12 months

Eligibility

  • Age 21 to 60 years
  • Monthly income from $2,000
  • Valid driver's license
Education Loan from 8.75% p.a. up to $250,000 up to 15 years Domestic & overseas study Apply Now
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Loan Details

  • Loans up to $250,000
  • Covers tuition and living costs
  • Repayment after course
  • Disbursal to institution

Rates & Terms

  • Rate from 8.75% p.a.
  • Tenure up to 180 months
  • Processing fee up to 1%
  • No prepayment penalty

Eligibility

  • Age 16 to 35 years
  • Admission to eligible course
  • Co-applicant for larger loans

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