There are many valid reasons why the final terms can change from what was presented to you earlier, such as where material facts on your risk profile, are not being discovered until much later or changes from the time you applied to just prior to disbursement. Nevertheless, these should not happen frequently.
If you received a quote with terms and fees that were heavily modified subsequently, do let us know so we can try to monitor the issue, so other users can continue to enjoy accurate and tailored loan quotes when using our platform. It could also be deemed as false advertising under the Consumer Protection Act In Singapore. If it is from a moneylender it could also be an offence under Singapore's Moneylender Act for a moneylender to offer loans at a specified rate of interest, but the actual rate of interest charged is higher.