Credit card debt
Minimum payments can hide expensive interest.
We rank cards by rate and contract terms, then model avalanche and snowball payoffs side by side.
route Debt management Singapore
Turn debt into a done deal.
If your credit card bill makes your stomach drop, you're not alone. Gan Finance AI analyses every liability and builds a repayment plan that cuts avoidable interest and gives each month a clear job.
You may be closer than you think.
Quick estimate
What could your plan save?
Estimated interest avoided
$5,250
Illustration based on a 35% reduction in interest. Your contracts decide the final number.
account_balance_wallet Start with the full picture
What kind of debt are you carrying?
Put every balance in one view. The AI checks payment rules, rates, due dates, and cash flow before it chooses the next move.
BNPL balances
Small instalments still shape your risk.
Track Atome, Hoolah, Pace, and other instalments together so future due dates don't surprise you.
Personal loans
Early repayment may change the maths.
Compare remaining interest, early settlement charges, and refinancing scenarios for personal or education loans.
Family lending
Private promises belong in the plan too.
Add informal debts with agreed dates and amounts, while protecting the monthly cash you need to live.
bar_chart Repayment strategy
See your debt disappear.
Choose the method that fits your numbers and your motivation. Add a little more each month and watch the finish line move.
Payoff method
Estimated interest
$5,250
Debt-free date
14 months
Monthly focus
Highest rate
compare_arrows Loan consolidation
Review My Options arrow_forward
Is consolidation right for you?
A lower monthly payment can help. A longer term can cost more. Gan Finance AI compares both sides before you speak with a bank.
check_circle
Could help: one due date, a lower rate, and fewer accounts to track.
warning
Check first: transfer fees, revised tenure, and any early settlement charge.
Illustrative comparison
Current mix vs one facility
| Option | Monthly | Interest | Term |
|---|---|---|---|
| Current cards | $1,180 | $5,250 | 18 mo |
| Balance transfer | $920 | $3,080 | 20 mo |
| Consolidation loan | $860 | $3,460 | 24 mo |
Examples are for education, not a bank offer. Eligibility and rates vary.
format_quote Progress that feels possible
People just like you got out of debt.
Small decisions compound when the plan is visible. These examples show what focused repayment can look like.
“
I stopped guessing which card to pay first. The 14-month plan gave me a date I could work towards.
Declan B.
$15,000 cleared in 14 months
“
My monthly payments fell after the comparison showed which consolidation route suited my budget.
Geokbeng P.
Monthly payment reduced by 28%
“
Seeing every BNPL instalment together changed how I shop. I now keep room for savings each month.
Yk Y.
BNPL balances brought into one view
calendar_month Your monthly action plan
Your custom roadmap, month by month.
Each month has one clear focus. If income changes or a tight month arrives, the AI recalculates the order without shame.
1
Map
Add every balance and due date.
2
Prioritise
Target the costliest account.
3
Call
Ask about waivers or transfers.
4
Pay
Send the planned extra amount.
5
Review
Check balances and credit progress.
6
Build
Redirect the payment to savings.
tune Plan adjusts to real life
lock Your details stay private
support Clear answers
Your debt questions, answered without judgement.
Good advice starts with the facts. Read the practical answers, then choose your next step.
Will this affect my credit score? add
Planning alone does not change your score. A new facility, balance transfer, missed payment, or credit application may have an effect, so the plan flags those actions before you take them.
What if I can't make even the minimum payment? add
Contact the lender early and ask about hardship support. The plan can show which bills are urgent, protect essential living costs, and prepare the numbers you need for that conversation.
Can I include a CPF Education Loan? add
Yes. Add the balance, rate, instalment, and repayment terms so it appears in the same cash flow view as cards, BNPL, and personal loans.
How private is my debt information? add
Your information is handled with bank-level encryption and isn't shared with banks, advertisers, or other companies without your direction.
A clearer month starts here.
Bring your balances and questions. Gan Finance AI will turn them into a practical repayment strategy.