The Best Licensed Money Lenders in Singapore

Discover Singapore’s Best Licensed Money Lenders

Securing Fast and Easy Personal Loans with Trusted Licensed Money Lenders

When you need cash fast, finding a trustworthy, reputable, and fair moneylender in Singapore is difficult with 156 registered moneylenders all claiming to be the best. However, our research team done a comprehensive research on your behalf to match you with the best moneylenders.

We help you choose the right moneylender so you can make educated choices and get the money you need. We carefully evaluate and analyse moneylenders to find ones who follow the law and give fair conditions. Our research team can help you get the financing you need without dealing with unlicensed lenders or loan sharks.

A Quick Note:

It’s important to remember that not all money lenders are the best one. There are a few requirements: 

  • The first sign of a reputable money lender is a high proportion of favourable reviews. These reviews are found on numerous websites (e.g. Google Business Reviews). 

  • Moneylenders must have eight years of continuous operation without Minlaw – Registry of Moneylenders licence suspension. 

  • There shouldn’t be overloading of bad reviews on forums, directories, and other sites.

Get Your Personal Loan Approved in 8 Minutes - Singapore
Get Your Personal Loan Approved in 8 Minutes - Singapore

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Thank you for your interest! As much as we want to extend our help, the loan offers are NOT available for foreigners in Singapore for the time being.

Please come back and check it out again in the future.

Terms and Conditions

Only 21 years old and above is eligible for loan application.

To preserve the confidentiality of all information you provide to us we maintain the following Privacy Principles.

By clicking "Submit" and providing your personal data, you consent to our loan providers contacting you via the telephone and email and permitting to do a search on the Credit Association Singapore (CAS) web portal for the loan application purpose.

We only collect personal information that we believe to be relevant and required to understand your financial needs.

We will only use any information collected as minimally as possible, mainly to assist us in customising and delivering loan packages that are of interest to our customers.

We will not make unsolicited requests for customer information through email or the telephone, unless customers initiate contact with us.

We have established strict confidentiality standards for safeguarding information on our customers.

Our loan providers will not use or disclose information collected from you other than for the purpose made known to you, authorised by you or required by the Law.

P.S. Don’t miss this day to get a quick cash loan. 100% Free to Use. By using Lender.sg – fast loan application form, your data will be quickly processed by our loan matching system to find the best lender that matches your financial needs. Please note that we are not a moneylender or representing a financial institution; we work as an independent loan matching platform.

Get the Best Match of
Fast Personal Loans

within
5
Minutes!

Instant Cash Loan Offers. Apply Now!

Thank you for your interest! As much as we want to extend our help, the loan offers are NOT available for foreigners in Singapore for the time being.

Please come back and check it out again in the future.

Terms and Conditions

Only 21 years old and above is eligible for loan application.

To preserve the confidentiality of all information you provide to us we maintain the following Privacy Principles.

By clicking "Submit" and providing your personal data, you consent to our loan providers contacting you via the telephone and email and permitting to do a search on the Credit Association Singapore (CAS) web portal for the loan application purpose.

We only collect personal information that we believe to be relevant and required to understand your financial needs.

We will only use any information collected as minimally as possible, mainly to assist us in customising and delivering loan packages that are of interest to our customers.

We will not make unsolicited requests for customer information through email or the telephone, unless customers initiate contact with us.

We have established strict confidentiality standards for safeguarding information on our customers.

Our loan providers will not use or disclose information collected from you other than for the purpose made known to you, authorised by you or required by the Law.

P.S. Don’t miss this day to get a quick cash loan. 100% Free to Use. By using our fast loan application form, your data will be quickly processed by our loan matching system to find the best lender that matches your financial needs. Please note that we are not a moneylender or representing a financial institution; we work as an independent loan matching platform.

Top 10 Featured Licensed Money Lenders in Singapore

It’s crucial to engage with trustworthy, respectable licensed money lenders that follow standards and give transparent services while seeking financial aid. 

We choose the best licensed money lenders based on reputation, client reviews, loan alternatives, interest rates, and customer experience. These lenders provide trustworthy personal, commercial, and other loans. 

You can trust our listed legal money lenders to perform ethical lending and provide excellent customer service. They will help you apply for a loan with openness, reasonable conditions, and repayment choices. 

Confidently choose and get financial aid. Explore our top 10 licensed money lenders in Singapore to discover the right partner for your financial needs. 

MInLaw - Licensed Moneylenders Singapore

Crawfort Finance

Crawfort Finance Money Lender Singapore

Google Review Rating: 4.8 (1.7k reviews)

Singapore’s Fastest-Growing Micro Financing Company

Crawfort Finance, Singapore’s fastest-growing microfinance enterprise, has revolutionised lending with its speed and efficiency. Crawfort Finance’s algorithm can approve personal loans in 8 minutes, a Singapore record. 

It is one of the country most reputable money lenders, under the Registry of Moneylenders – Ministry of Law, assuring compliance with all laws and regulations. They follow ethical lending practises. This reliable lender provides reasonable moneylending to Singaporeans and permanent residents. 

Crawfort Finance offers competitive rates and a variety of credit packages. Their products are customised to debtors’ financial requirements. Crawfort Finance’s 4.8 out of 5 rating from over 1.7K client reviews reflects their excellent customer service. The good rating shows their dedication to meeting customer demands and providing a great borrowing experience. 

This licensed moneylender boasts an 8-minute online personal loan application. They have streamlined the lending procedure by digitising it. Borrowers may get their application status within an hour whether they apply online or in person. Borrowers get their monies quickly because of the simple method. 

Crawfort Finance, Singapore’s fastest-growing microfinance firm, offers an unrivalled borrowing experience. Fast-loan seekers trust them because of their quickness, compliance, affordability, customer service, and efficiency. 

Crawfort Singapore Best Licensed Money Lender
Crawfort Singapore Best Customer Service

Google Reviews

Crawfort - Personal Loan (Singapore)
4.8
Based on 2411 reviews
powered by Google
Suhertini SuhaimeeSuhertini Suhaimee
08:55 18 Mar 24
first time at crawfort which i feel they are very professional. met roy and brandon, they help me in my loan and explain very detail. very friendly guys! thank you so much for the assistance!
Fida RashidFida Rashid
04:17 18 Mar 24
Have been here crawfort for many time! Today roy and brandon service my loan. They are very friendly. Nice to talk to this 2 guy. Definitely highly recommended! Thanank you.
Adriel AngAdriel Ang
08:05 16 Mar 24
My first time here with the service from Roy and Brandon was very good. Definitely will.come back again.very friendly and professional. Good job and thanks again
Bobby TangBobby Tang
06:47 16 Mar 24
Serve by miss Emily lim. She is very friendly polite and explain all tnc for me. Very transparent and helpful. Highly recommended 👌
Served by Enid, good attitude, well explained about the loans and my needs. Thank you for the good customer service. Good job
DynDyn
10:23 12 Mar 24
First time here and quite surprised how Crawfort works as moneylender, office settings is to let their customers feel comfortable, process also very effective, thanks officer Eddy for help too.
SurinaSurina
04:27 11 Mar 24
I wish to thank Leon and Crawfort for assisting on my loan. The explanation is very clear and thorough, quick process and hassle free. Thanks a lot.
Roziah Japar SedekRoziah Japar Sedek
11:28 08 Mar 24
Came here since last year when I need some personal loans, like their office settings and attitude of all their staff here, especially officer Eddy, will come back if need again, thanks!
mahaidah mahroonmahaidah mahroon
10:47 08 Mar 24
I came here first time.with roy and brandon help me with my loan. Very near mrt easy for me. And service very good from them. Friendly and detail. Thank u so much.
Naz SiakNaz Siak
10:29 08 Mar 24
Pleasant experience with Enid, thanks for the great help despite my bad record. Willingly to understand and listen to my needs and diffculties. Appreciate it
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Crawfort Singapore Best Licensed Money Lender
Crawfort Singapore Best Customer Service

Its popularity in Singapore is due to user ease. Crawfort has a well-trained staff. Professional and courteous personnel. Each process will be explained. Thus, this company’s personal loan application is a click away! Because of this, its customers come from all walks of life. Crawfort offers rapid cash without tight restrictions and limits to anyone with poor credit or who need money immediately. 

Singapore Prestige Brand Gold Awards 2019

Crawfort aspires to be a trusted brand in Singapore known for viable financial solutions for individuals faced with limited credit access. In 2019, they have earned a spot on the list of Singapore Prestige Brand Awards 2019. At Crawfort, it offers the most comprehensive types of personal loans in Singapore.

Loan Offers by Crawfort

  • Easy Personal Loan
  • Low Incomer Loan
  • Fast Cash Advance
  • Fast Payday Loan
  • Bad Credit Loan
  • Monthly Installment Loans
  • Short Terms Weekly Loan
  • Debt Consolidation Loan
  • Bridging Loan
  • Wedding Loan
  • Renovation Loan
  • SME Business Loan

Crawfort (Singapore) Contact Details

  • Business Name: Crawfort Pte. Ltd.
  • Moneylender License Number : 86/2022
  • Address : 1, North Bridge Road, #01-35, High Street Centre, Singapore 179094
  • Telephone : 67778080
  • Website : https://www.crawfort.com/sg

Google Reviews

Crawfort Singapore Best Licensed Money Lender
Crawfort Singapore Best Customer Service
Crawfort - Personal Loan (Singapore)
4.8
Based on 2411 reviews
powered by Google
Suhertini SuhaimeeSuhertini Suhaimee
08:55 18 Mar 24
first time at crawfort which i feel they are very professional. met roy and brandon, they help me in my loan and explain very detail. very friendly guys! thank you so much for the assistance!
Fida RashidFida Rashid
04:17 18 Mar 24
Have been here crawfort for many time! Today roy and brandon service my loan. They are very friendly. Nice to talk to this 2 guy. Definitely highly recommended! Thanank you.
Adriel AngAdriel Ang
08:05 16 Mar 24
My first time here with the service from Roy and Brandon was very good. Definitely will.come back again.very friendly and professional. Good job and thanks again
Bobby TangBobby Tang
06:47 16 Mar 24
Serve by miss Emily lim. She is very friendly polite and explain all tnc for me. Very transparent and helpful. Highly recommended 👌
Served by Enid, good attitude, well explained about the loans and my needs. Thank you for the good customer service. Good job
DynDyn
10:23 12 Mar 24
First time here and quite surprised how Crawfort works as moneylender, office settings is to let their customers feel comfortable, process also very effective, thanks officer Eddy for help too.
SurinaSurina
04:27 11 Mar 24
I wish to thank Leon and Crawfort for assisting on my loan. The explanation is very clear and thorough, quick process and hassle free. Thanks a lot.
Roziah Japar SedekRoziah Japar Sedek
11:28 08 Mar 24
Came here since last year when I need some personal loans, like their office settings and attitude of all their staff here, especially officer Eddy, will come back if need again, thanks!
mahaidah mahroonmahaidah mahroon
10:47 08 Mar 24
I came here first time.with roy and brandon help me with my loan. Very near mrt easy for me. And service very good from them. Friendly and detail. Thank u so much.
Naz SiakNaz Siak
10:29 08 Mar 24
Pleasant experience with Enid, thanks for the great help despite my bad record. Willingly to understand and listen to my needs and diffculties. Appreciate it
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Monetium Credit

Google Review Rating: 4.8 (281 reviews)

Monetium Credit, one of Singapore’s top ten licensed money lenders, is trusted and customer-focused. Monetium Credit is noted for its flexibility, openness, swiftness, and efficiency. 

It has 4.8-star rating from 281 customer reviews in Google Business Profile. Monetium Credit’s many satisfied customers earned this great rating. It shows their dedication to client service and financial demands. It has eight service counters for convenience. This reduces wait times and ensures consumers get financial help quickly. Digital technology is used to speed procedures and improve customer experience.  

It strives to make consumers feel at home. Clients may relax and enjoy free food and beverages in their lounge. Monetium Credit’s focus on client comfort reinforces its dedication to personalised service. 

Loan Offers

  • Personal Loans
  • Payday Loan
  • Business Loan
  • Lifestyle Loan
  • Home Renovation Loan
  • Debt Consolidation Loan

Contact Details

  • Business Name: Monetium Credit (S) Pte. Ltd.
  • Moneylender License Number: 148 /2022 
  • Address: 10, Jalan Besar, #01-01, Sim Lim Tower, Singapore 208787
  • Telephone:6777 7775
  • Website: http://www.monetiumcredit.com.sg

Google Reviews

Mohammed GhouseMohammed Ghouse
02:59 16 Jan 24
Sreeja AjitSreeja Ajit
05:01 14 Jan 24
Dendroff Pauline maryDendroff Pauline mary
06:42 18 Nov 23
Jasmine Tan is a friendly, helpful n kind person. She helped me in settling the singpass area when I was not sure. Pls do consider her for promotion. Thks Jasmine.
Alvin LeongAlvin Leong
03:12 11 Nov 23
Jumsi Bin SanusiJumsi Bin Sanusi
03:48 10 Nov 23
Ruthrapathy KesavanRuthrapathy Kesavan
05:31 03 Nov 23
Professional and efficient service and the staff are friendly. They helped my problems when i'm in need. Very grateful
SimplicitySimplicity
09:04 23 Oct 23
Highly recommend Jasmine for her good customer service and for the assistance in my application and being patience answering all my questions. 👍
Kelvin ChuaKelvin Chua
05:48 11 Oct 23
Thank you for your good service. Keep up the good work.
ShahShah
05:32 11 Oct 23
Excellent service and Fast , Thank you the great help and good service . Highly recommend everyone to come here for loan
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Lending Bee

Google Review Rating: 4.9 (881 reviews)

Lending Bee, a subsidiary of Credit 21 Pte Ltd., is a leading licenced moneylender in Singapore. Lending Bee is known for its reliability and customer service. 

Lending Bee has 481 reviews and a 4.9 rating found in Google Reviews. It has locations in Far East Plaza (Orchard), Toa Payoh, Bedok North, and Jurong East to serve borrowers around the city. This wide presence helps borrowers to easily get financial aid regardless of location. It has several lending choices for borrowers. They provide $100,000 unsecured loans and up to $2 million secured loans. Unsecured loans have a 36-month payback term, giving borrowers additional flexibility. 

It prioritises loan application ease as a customer-centric lender. Borrowers may apply online from home or on the move using their simple loan application forms.  

Loan Offers

  • Personal Loans
  • Business loans
  • Life stage Financing Loans
  • Education Financing Loans
  • Travel Financing Loans
  • Medical Financing Loans

Contact Details

  • Business Name: Lending Bee Pte. Ltd.
  • Moneylender License Number: 69/2023
  • Address:
    • 14, Scotts Road, #02-44/45, Far East Plaza, Singapore 228213
    • 190, Lorong 6 Toa Payoh, #01-548, Singapore 310190
    • 213, Bedok North Street 1, #01-111, Singapore 460213
    • 135, Jurong Gateway Road, #01-335, Singapore 600135
  • Telephone:6242 8733
  • Website: https://www.lendingbee.com.sg

Google Reviews

Woranuch MakklangWoranuch Makklang
08:53 17 Mar 24
Good service
Danial LeeDanial Lee
05:05 17 Mar 24
Friendly and reliable service! Mr. Ivan has been really great in assisting all my queries.
Haleiluyajj TanHaleiluyajj Tan
11:31 16 Mar 24
Thank you Ivan for the excellent services provided!
Jay ChukaJay Chuka
08:28 15 Mar 24
Share details clearly ...thanks
Rahmanyani Mann RahmatRahmanyani Mann Rahmat
11:28 14 Mar 24
Was assisted seamlessly by Gabriel who was attentive to my needs.
muhammad amirmuhammad amir
08:08 13 Mar 24
Fast and thorough explanation
Mariam EunosMariam Eunos
05:11 12 Mar 24
Really my life saviour. Derek Chua is very efficient. I will definitely come back again. Highly recommended.
Sandy TngSandy Tng
09:53 11 Mar 24
Adeline is a GD service , she help to get my loan apply in fast successful way , thank Adeleen have a GD day !
ポテトカオチポテトカオチ
07:57 11 Mar 24
Gabriel provided a very comfortable and seamless experience for me, highly recommend!
X NX N
07:42 11 Mar 24
Mr Derek provided very excellent service enabling me to get the ideal amount without having to pay a hefty sum every month through an ideal installment plan. Good service, excellent attitude. will definitely come back again.
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Credit Excel Capital

Google Review Rating: 5.0 (1 reviews)

Credit Excel Capital helps borrowers satisfy their financial commitments and support daily business activities. It is a trustworthy moneylender with over a decade in lending industry. Their speedy loan approval ensures applicants get the finances they need quickly. Their low-interest monthly instalment loans are affordable for consumers seeking reasonable repayment solutions. 

It provides financial services to everybody, from Singaporeans to foreigners, through difficult times. Their simple, rapid, and efficient methods make borrowing easy. 

Moreover, Credit Excel Capital’s courteous and knowledgeable personnel are always ready to help with financial needs. 

Loan Offers

  • Personal loan
  • Fast Payday loan
  • Business loan

Contact Details

  • Business Name: Credit Excel Capital Pte. Ltd.
  • Moneylender License Number : 111/2022
  • Address : 192 Waterloo Street#06-03 Skyline Building, Singapore 187966
  • Telephone : 6337005
  • Website : https://quickmoney.sg

Google Reviews

Credit Excel Capital Pte Ltd
4.0
Based on 27 reviews
powered by Google
very fast approve company but will check all about..very genuine just approved S$7000 ...all got black n white not Ali Baba...good
Kannagi KumaranKannagi Kumaran
04:42 12 Oct 21
Ahmad NishamAhmad Nisham
11:15 01 Apr 21
Good service and helpful agencies
Christopher ZhouChristopher Zhou
05:13 17 Jan 19
Credit Excel was indeed trusted money lend company. They loaned me a sum of $7000 sgd when I was urgently seeking for finance help. Guess what, after some documents submitted, it was approved within a day. Despite that, they have provide prompt and unique customer service by explaining details and advise through a polite manner. Nevertheless, the amount loan was a promising service that is not recorded into Credit bureau whereas recorded in private bureau report. Thank you CE !
Y yeY ye
03:24 03 Oct 18
I have been one of their customers for about a year. During this period, I visited Credit Excel several times. They always explained the loan in detail and worked out a comfortable repayment plan. In general, a fantastic experience.
ma pandama panda
09:24 01 Dec 17
Got recommended from a friend to Credit Excel Capital, Applied through via their website online application form and they call me almost instantly, they didn’t turn out to be hooligans or gangsters. Spoke eloquently and are well-mannered. I went down to their office, the application it is so easy and simple! So convenient and Good Service, i like it! Will support in future!
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Credit Hub Capital

Google Review Rating: 4.7 (151 reviews)

Credit Hub Capital is one of Singapore’s top money lenders, with a 4.7-star rating from 151 customers. Borrowers seeking financial aid appreciate this top-rated firm because of its many features. 

Credit Hub Capital wants to simplify the Singapore loan procedure. It offers fantastic tools that make borrowing easier. 

Credit Hub Capital offers fast cash in less than an hour, a major benefit. This fast turnaround time helps borrowers with urgent financial circumstances get the funding they need. 

Moreover, it recognises the necessity of protecting customers’ personal and financial information. Borrowers may be certain that their privacy is protected by Credit Hub Capital.

Loan Offers:

  • Flexi Personal Loan
  • Quick Payday Loan
  • Debt Consolidation Loan
  • Short-term Business Loan

Contact Details

  • Business Name: Credit Hub Capital Pte. Ltd.
  • Moneylender License Number : 127/2022
  • Address : 190 Middle Road, #10-01A Fortune Centre, Singapore 188979
  • Telephone : 6338 5115
  • Website : https://credithubcapital.sg

Google Reviews

Credit Hub Capital
4.9
Based on 405 reviews
powered by Google
Taufiq RohaizatTaufiq Rohaizat
08:39 13 Mar 24
Well explained in details
Han NorHan Nor
05:42 13 Mar 24
The place is good,comfy and make us,the patrons feel at home.Doesn't feel bored while waiting.The staff by the name of Aries is amiable and friendly.Highly recommended for those need extra cash
Justin KuaJustin Kua
06:58 12 Mar 24
Aries is a patient and nicely customer service.
I received great service with Darren highly recommended
Dinesh Raj NDinesh Raj N
11:21 11 Mar 24
Timely response & very quick processing.
Adr ChiaAdr Chia
06:34 09 Mar 24
Pranav RamachandranPranav Ramachandran
04:18 09 Mar 24
Sian TahSian Tah
09:48 08 Mar 24
Ethan is very sincere and helpful.
kapitan Goyongkapitan Goyong
12:02 07 Mar 24
Credit Hub Capital was great, satisfactory and effiecient in terms on how they handle their clients. They will arrange for you how the repayment should be in fair to fair basis. Highly recommend to anyone. Thumbs to Ms. Evon who catered and entertained while processing my application pleasantly with professional explanation. Thank you Ms. Evon. Cheeersss! God bless Credit Hub Capital.
Stanley ChanStanley Chan
09:58 07 Mar 24
Good service in town
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118 Credit (Formerly QV Credit)

Google Review Rating: 4.8 (114 reviews)

118 Credit

118 Credit is one of the best money lenders in SIngapore with 114 reviews and a 4.8 rating. This great rating indicates 118 Credit’s strong customer satisfaction and good borrower experiences.

Moreover, it simplifies loan terms. They give simple language so borrowers comprehend their loan arrangements. This simplifies the financing procedure and boosts confidence.

It provides several loan choices to meet various financial demands in addition to their transparency. 118 Credit tailors personal, commercial, and other loans to individual needs. This flexibility allows borrowers to get finances in the best way. Also, they immediately respond to client queries and give loan procedure information. Their great reputation and high customer ratings come from this customer-centric strategy.

Loan Offers

  • Personal loans
  • Renovation Loans
  • Payday Loans 
  • SME Loans 
  • Debt Consolidation

Contact Details

  • Business Name: 1 1 8 Credit Pte. Ltd. Co. 
  • Moneylender License Number : 82/2023
  • Address : Burlington Square, 175A Bencoolen St, #11-08, Singapore 189650
  • Telephone : 6835 7666
  • Email : [email protected]
  • Website : https://118credit.sg/

Google Reviews

Elton ChinElton Chin
08:39 15 Mar 24
Ms.Mei was kind,patient & very efficient. She’s absolutely clear in answering questions. She was helpful to all my questions.
Su Dung HuiSu Dung Hui
11:38 14 Mar 24
Came back here several times, clear explanation and brief me in details before proceed all the necessary action.
Kelvin PhuaKelvin Phua
11:19 08 Feb 24
Mr Soh is a friendly and helpful staff.
Vk AshwiniVk Ashwini
04:25 02 Feb 24
The service good from MS.Doreem,and I’m happy
jensen angjensen ang
03:33 02 Feb 24
Nur Elmyra SyamimieNur Elmyra Syamimie
10:11 01 Feb 24
Good service! Understanding and helpful !
A SudistiraA Sudistira
11:09 30 Jan 24
I have been a loyal customer at 118 Credit as they're efficient and provide the best customer service. Inquiries on WhatsApp were quickly responded and Doreen was very helpful during application in office.Highly recommend if you are seeking a trustworthy and excellent service.
Nuzaibah Begum SNuzaibah Begum S
08:42 09 Dec 23
I really thank Doreen for her polite patient and magnanimous service with the human touch to help me with this huge problem solving.
Nerry ValinoNerry Valino
06:01 07 Dec 23
The employees are very kind and attentive.... surely will comeback again.... very good experience
Top GunterTop Gunter
04:30 02 Nov 23
Ms.Mei was kind,patient & very efficient. She’s absolutely clear in answering my queries.Certainly made me very comfortable.Thank you
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Bugis Credit 

Google Review Rating: 4.9 (345 reviews)

Based on 345 Google Reviews, Bugis Credit is Singapore’s most well-rated moneylender. Bugis Credit’s excellent customer service earned this high rating. 

Bugis Credit aspires to give the greatest loan experience as a trustworthy moneylender. Its openness is notable. Fair and transparent loan conditions ensure that borrowers understand their loan expenses and payback responsibilities. Transparency fosters trust and lets borrowers make educated financial choices. 

Bugis Credit also offers a smooth loan application procedure. Borrowers may get the finances they need quickly thanks to their efficient processes and pleasant employees. The lender prioritises consumer convenience and fast loan approvals and payouts. 

Loan Offers

  • Personal loans
  • Business loans
  • Bridging Loan 
  • CPF Personal Loan
  • Foreigner loans
  • Monthly Loan 
  • Payday Loan 
  • Renovation Loan

Contact Details

  • Business Name: Bugis Credit Pte Ltd
  • Moneylender License Number : 27/2023
  • Address : 470 North Bridge Rd, #02-12 Bugis Cube, Singapore 188735
  • Telephone : 6345 9123
  • Email : [email protected]
  • Website : https://www.bugiscredit.sg/

Google Reviews

Ms.Luwis is very nice, accommodating, approachable and very patient to answer all your enquiries.
Rohit SharmaRohit Sharma
07:39 04 Mar 24
HazzHazz
05:53 25 Feb 24
straight forward, great customer service
TC JessTC Jess
12:23 19 Feb 24
Ang MadelineAng Madeline
10:26 07 Feb 24
Ms Albee Lim is very helpful, friendly and patient. She render a very good & excellent service to me . Really appreciated to her
Tidus CyqTidus Cyq
11:04 06 Feb 24
Very helpful and detailed assistance from BugisCredit staffs. Thank you so much!
Nur Eefah ShahNur Eefah Shah
08:32 30 Nov 23
The first time taking a loan from here, it was a super friendly environment, they explained clearly on the loan amount and repayment, very transparent. Now, I’ve taken many loans from Bugis Credit and super satisfied with their service. Always accessible and fast at responding too.
Maizurah MnsrMaizurah Mnsr
09:28 21 Nov 23
I’ve been coming to Bugis Credit for a few years now for loans. Always been treated with respect and the staff are very kind and welcoming! Thank you for always helping me out. Would definitely recommend to others! ⭐️
Calvin ChangCalvin Chang
11:01 16 Oct 23
I am repeating customer of Bugis Credit. I was serve by Miss Lee and it's customer service is efficient and fast. Always helpful and explain what options I can choose from. Location is also very convenient (opposite bugis junction )
Mary Ann KewMary Ann Kew
11:26 28 Sep 23
I was assisted by Albee on 2 separate occasions and she has been really friendly, patient and efficient.The atmosphere is also pleasant and there is no pressure to take higher loan amount.The terms and conditions are explained carefully and she made sure I understood.Thank you for the great service!
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Credit Culture

Google Review Rating: 4.6 (68 reviews)

CREDIT CULTURE LOGO HORIZONTAL digital_250 x 60

Credit Culture Pte Ltd, a subsidiary of Dey Pte Ltd, offers trustworthy personal loans at low interest rates. A 4% monthly interest rate keeps borrowing affordable and predictable. Credit Culture’s transparent loans have no hidden fees. 

It offers loans up to $50,000. The firm creates real-time, customised interest rates using digital technologies. Loan selections may be made with precise and current information. Moreover, it offers real-time monthly loan instalment estimations. This helps borrowers budget and meet their payback commitments. The company’s transparent repayment plans provide borrowers piece of mind. 

Also, it provides personal loans for weddings, renovations, debt consolidation, and medical costs. Credit Culture is a flexible option for personal loans because of its ability to meet a variety of demands. 

Credit Culture’s lending services have earned a 4.6-star rating from 68 online reviews. This grade shows that borrowers trust Credit Culture to provide dependable and transparent credit options. 

Loan Offer

  • Personal Loans

Contact Details

  • Business Name: Credit Culture Pte. Ltd.
  • Moneylender License Number: 71/2023
  • Address: 9, Craig Road, #02-01, Singapore 089669
  • Telephone: 6921 7300
  • Website: https://www.creditculture.sg

Google Reviews

CREDIT CULTURE PTE LTD
4.7
Based on 81 reviews
powered by Google
Mustaqim AzizMustaqim Aziz
08:43 01 Mar 24
super easy and smooth process, very thankful to have came here
Lim AlvinLim Alvin
06:04 30 Jan 24
KennethKenneth
05:24 02 Jan 24
Credit Culture offers the lowest interest rate among the money lenders (comparable to banks loan) and you may apply online.They offered greatest help if you have difficulties in the repayment schedule/plans.So please kindly consider Credit Culture if you want to have peace of mind and avoid all sorts of late charges, fees, interest and harassment when you are in financial difficulties.
Shriya TiwariShriya Tiwari
02:21 02 Jan 24
Amazing services
tan yinyentan yinyen
12:05 26 Dec 23
Mary SiowMary Siow
00:58 12 Oct 23
Credit Culture is a real place to go if in need of financial help and the team was very helpful, friendly and provide an excellent professional service. HIGHLY RECOMMENDED!I was assisted by Gail who was attentive and hear all my concern. She goes the extra miles and effort to fully comprehend my lending needs and assist with the application. Feel comfortable dealing with her.A BIG THANK YOU & Kudos to Gail and the TEAM!!!
Budi SallehBudi Salleh
06:50 06 Oct 23
I've had the pleasure of working with Credit Culture Pte Ltd, and I must say they've completely changed my perception of the lending industry. I think they genuinely cares about its customers and operates with transparency and integrity.One of the most impressive aspects of their service is their commitment to not charging the maximum interest rates set by the Monetary Authority of Singapore. This shows that they prioritize the financial well-being of their clients, rather than trying to maximize profits. It's reassuring to know that there are companies out there that prioritize fairness and affordability.Their strict adherence to MAS policies on lending business is another reason why I wholeheartedly recommend them. They leave no room for ambiguity or hidden fees; everything is laid out clearly from the beginning. This level of transparency is truly refreshing in the lending industry.Overall, Credit Culture Pte Ltd has set a new standard for what a lending company should be. Their commitment to fairness, transparency, and adherence to regulations is commendable. I highly recommend their services to anyone in need of financial assistance. They have certainly earned my trust and gratitude.
firdauz ismailfirdauz ismail
03:03 06 Sep 23
My heartfelt gratitude for the exceptional assistance i received from Credit Culture and the team during the loan process. Your professionalism, patience and dedication truly made a difference in helping me secure the financing i needed. Thank you once again.
H LeeH Lee
05:20 22 Aug 23
Overall a very pleasant and smooth going experience. The team is very professional and friendly. They go the extra miles and effort to fully comprehend the customer's lending needs and assist with the application. The process is seamless and efficient. The processing fee and interest charged is very competitive. They truly put the customer's needs in everything they do. I am very pleased with the overall service and professionalism.
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Accredit

Google Review Rating: 5.0 (724 reviews)

Accredit, a top moneylender, has a 5.0 Google Review rating based on 724 reviews. Borrowers’ pleasant experiences and great satisfaction with Accredit’s services earned this excellent rating. 

It is a dependable and customer-focused moneylender. Borrowers may trust Accredit’s trustworthiness and expertise with many excellent ratings. 

Customer service is one of Accredit’s strengths. Accredit’s personalised and attentive help throughout the loan procedure has pleased many borrowers, resulting in the good rating. 

Accredit has fair lending conditions. Clear disclosures of loan charges, fees, and payback responsibilities are expected. Transparency helps borrowers understand their financial obligations and make educated choices. 

Accredit also provides several loan packages to meet varied financial demands. Accredit offers flexible personal, corporate, and debt consolidation loans. This adaptability enables borrowers to easily access cash for many uses. 

Loan Offer

  • Personal Loans
  • Business Loans
  • Debt Consolidation Loans 

Contact Details

  • Business Name: Accredit Pte. Limited
  • Moneylender License Number: 68/2023
  • Address: 
    • 503 Tampines Central 1, #01-315, Singapore 520503
    • 1187, Upper Serangoon Road, #01-15, The Midtown, Singapore 533971
    • 442, Clementi Avenue 3, #01-109, Singapore 120442
    • 743, Yishun Avenue 5, #01-548, Nee Soon Central Spring, Singapore 760743
  • Telephone: 621 92662 
  • Website: https://www.accreditloan.com/

Google Reviews

Bby AiaiBby Aiai
05:23 16 Mar 24
Lovely & Welcoming for me n spouse. Being greeted warmthly and being asked about what's our querie. Explanation was given clearly by Debbie. Total process of whole applications was so smooth and again well cleared explanation before FINAL SIGNED on the paper.
xu junxiongxu junxiong
07:44 13 Mar 24
Very helpful. I mean super helpful. Good service. I mean super good service. Give all service stuff 👍🏻👍🏻👍🏻👍🏻👍🏻👍🏻
Juliana GaniJuliana Gani
08:33 11 Mar 24
ERIK KANGERIK KANG
03:48 09 Mar 24
Great and fast sevices
Mazlina OsmanMazlina Osman
13:24 07 Mar 24
Thankiu yvonne who had served me with friendly service. I feel like half of my problems been sorted out . My thumb up to all the staff. Keep it up 👍
Estee EstEstee Est
12:24 06 Mar 24
Good service from them
Goldberg SadioGoldberg Sadio
12:11 05 Mar 24
Amber , Kelvin, Debbie are the most patient and joyful person and they always help those who in trouble and they way they handle clients shows how professional and calm in their work Thank you
Ninatrie MontelNinatrie Montel
08:47 03 Mar 24
Awesome service. Very nice and patience.. Miss Amber was very sweet and nice. She explain in detail about the loan n processes. Will definitely come again n recommend others
LIN WeijieLIN Weijie
08:04 27 Feb 24
This is my first time borrowing from licensed moneylenders, I found this company from google and decided to try their services.Their review are all legit , their services , information , offers are all great. Nothing to complain about, only compliment to the staff ,Debbie and etc .Fear not , this company is legit and good, highly recommend. Thumbs up and kudos !
Glen LeeGlen Lee
12:11 23 Feb 24
First time here. Very smooth and everything is very good. Service is very good and helpful. Definitely will come here again! Thanks for the team that help me
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Credit21

Google Review Rating: 4.8 (641 reviews)

Credit21 is a reliable moneylender with a 4.8-star Google Review rating based on 641 reviews. Borrowers’ ongoing satisfaction with Credit21’s services earned this excellent rating. Moreover, it is known for its dependability and client service as a moneylender. Credit21’s many favourable evaluations demonstrate borrowers’ faith in its financial solutions. 

Numerous borrowers praised the attentive and personalised support throughout the loan application and approval procedure, resulting in the favourable rating. Credit21’s devoted staff meets borrowers’ demands, making borrowing a joyful experience. Credit21 also lends fairly and transparently. Loan conditions, fees, and repayment requirements should be explained clearly. Transparency helps borrowers understand their financial obligations and make educated choices. 

Also, it provides loans for various financial purposes. Credit21 offers flexible personal, corporate, and debt consolidation loans. This flexibility lets borrowers easily get the financing they need.

Loan Offer

  • Personal Loans
  • Business Loans
  • Renovation Loan 
  • Foreigner Loan
  • Wedding Loan
  • Payday Loan  

Contact Details

  • Business Name: Credit 21 Pte Ltd
  • Moneylender License Number: 46/2023
  • Address: 10, Anson Road, #01-07, International Plaza, Singapore 079903
  • Telephone: 62211811
  • Website: https://www.credit21.com.sg/

Google Reviews

Than SoeThan Soe
09:00 11 Mar 24
Thanks Shania for the excellent and fast service . Will come back here again if I ever need .
chetan gotechetan gote
06:43 11 Mar 24
Shania - excellent and Smooth processing
qeelsss youqeelsss you
05:38 09 Mar 24
Fast Transaction, professional & help us with our needs. RECOMMENDED!!
Wayne OngWayne Ong
05:28 09 Mar 24
Shania is nice and patient. She explained every details to me clearly and I understand everything. Thank you so much!
Ravi KumarRavi Kumar
11:42 07 Mar 24
Shania very experience and always understands the needs and explain the process very well and able to process very quickly
Padma sheelaPadma sheela
06:17 06 Mar 24
Very friendly staff Ms. Shania. She explained all with details .. really appreciate
Tiger FlairTiger Flair
10:13 01 Mar 24
The whole team was very friendly and welcoming. Ms. Shania handled my transaction and came in for a couple of days to verify my documents. Despite for some delay and a bit of trouble with a missing document, she was patient and understanding in making sure that the transaction will be efficiently and smoothly settled.
Haryati HassanHaryati Hassan
05:40 08 Feb 24
I was being serve by Ms Shania, she is very friendly, fast and very efficient and gave a good advise on my financial situation. Would really recommend Credit 21 to my family, friends and colleagues. Thank you Ms Shania for the excellent services and kudos to Credit 21.
Peter HamiltonPeter Hamilton
10:22 29 Jan 24
Shania provided fantastic customer service and extremely supportive. If you need help call her she is five star
Bren DBren D
09:10 20 Oct 23
Thank you for such professional and efficient assistance granted to both my hubby and me. You have helped us so much. The process was such a breeze and everything was explained so well. I will definitely come back to them for further assistance 😍😍
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Are you looking for a fast approval cash loan?

We want to help you make a wiser borrowing decision. By using our loan matching system, we will provide you with the best personal loan offers. 100% Free to Use. Guaranteed Fast Results!

Things To Consider Before Choosing A Licensed Money Lender in Singapore

Singapore’s money lenders are prone to deception. Singapore’s Ministry of Law has set standards for moneylenders to follow to govern this behaviour. These rules are also made public so that everyone may be informed of money-lending activities to avoid fraud. 

Best Licensed Money Lenders in Singapore

Guidelines on Moneylending

  • A licensed moneylenders may charge a maximum of 4% interest per month regardless of your annual income. 
  • License money lenders must base interest on balance reduction. They should levy 4% monthly interest on the payments.
  • Moneylenders may only charge a 10% administrative fee, payable immediately.
  • Late payments cost only $60 per month of late repayments.
  • Only unpaid late payments accrue interest.
  • Borrowing costs should not exceed the principal loan.

How to protect yourself from personal loan scams against illegal lenders?

You must verify a money lender’s licence to avoid loan scams. You may check it over the list of licensed lenders provided by Registry of Moneylenders (Ministry of Law). 

A legal money lender will always let you read the terms and conditions before signing a contract. Before proceeding, read and comprehend with the term and conditions. 

Thirdly, licensed money lenders charge 10% of the principle. Moreover, before picking a moneylender, read reviews. 

Signs that you a dealing with illegal money lender or loan shark: 

  • Requesting a loan processing admin charge upfront to transfer them. 
  • Requesting your SingPass ID or password (Never reveal your information) 
  • Providing a blank contract to sign 
  • Letting you sign your contract without understanding the terms and conditions. 
  • Advertising the company and services through SMS. 
  • Instantly approving your loan application through phone or SMS 

You’re in the wrong hands if you run across any of the aforementioned situations! 

Moneylenders exclusively advertise on: 

  • Its website 
  • Consumer directories or business directories 
  • Advertisements outside the physical office 

Emails, flyers, and SMS advertisements indicate a fake moneylender. 

So, before going to a licensed moneylender for a personal loan, you must: 

  • Compile all the documents you’ll need to submit the application. 
  • Your landlord’s letter containing your name and address as proof of residence. 
  • Proof of identity for verification 
  • Your office appointment letter 
  • Recent payslip (must not be 3-months old) 

If you are a foreigner, you must show the following: 

  • Employment pass or work permit
  • Passport
  • Employment documentation, such as a company or staff pass, an appointment letter, and a pay slip 
  • Proof of your residency
  • A bank account statement (in your salary bank)

Remember that a respectable and reputable moneylender will never want your password. 

Therefore, you should only turn to licensed moneylenders if you wish to make money for your company or need money. We have gathered all of this information for you so that you won’t have to deal with the trouble of looking for a great moneylender outside of your home. 

Things to consider before choosing a money lender

How Much Can Singaporeans, PRs & Foreigners Borrow from Licensed Moneylenders? 

Licensed moneylenders make collateral-free personal loans. Borrowers don’t need collateral to get money. 

The table below shows Singapore’s licensed moneylenders’ maximum loan quantum for unsecured personal loans: 

Borrower’s annual income Singapore Citizens and Permanent Residents Foreigners residing in Singapore
not more than $10,000 $3,000 $500
less than $20,000 and at least $10,000 $3,000 $3,000
a minimum of $20,000 and higher six times the monthly salary six times the monthly salary
Borrower’s annual income
not more than $10,000
less than $20,000 and at least $10,000
a minimum of $20,000 and higher
Singapore Citizens and Permanent Residents
$3,000
$3,000
six times the monthly salary
Foreigners residing in Singapore
$500
$3,000
six times the monthly salary

Prior to granting a personal loan, a licensed moneylender has the following obligations:

A licensed moneylender must make you aware of all of the conditions and details of the loan, not just the principal amount. When talking with you about the following, they must be open and honest. 

  • Interest Rate 
  • All fees required 
  • Late Interest Charges 
  • Schedule of Repayment 
  • Cautionary statement to the borrower 

An licensed moneylender will always follow the law. It will guarantee that you fully comprehend the data presented above.  

Never will they keep anything from you. Furthermore, they individually communicated the cautionary statement to you. It lists the characteristics of an unreliable lender and cautions readers not to work with them. You are needed to sign this document as confirmation that you have read and understand it. 

What to do after your personal loan approval? 

Make sure the money lender provides the whole principal to avoid frauds. Also, they may only deduct 10% of your main loan amount. 

After claiming the principle, you must follow the terms and conditions. Note the following while receiving and repaying: 

  • You must have a copy of loan agreement 
  • Keep a duplicate of every receipt you get after paying fees or making a repayment 
  • You must receive a copy of your statement of account at least once every January and July and make sure that the information is correct – your name, amount paid and the loan balance 
  • Keep the important documents -receipts and statement of accounts safely 

Remember that a respectable and legitimate moneylender will never want your password. Never forget that they will help you throughout the process, even after your loan has been approved. 

Therefore, you should only turn to licensed moneylenders if you need some additional finances for your company or for personal requirements. To spare you the trouble of looking for a great moneylender from the comfort of your home, we have gathered all this information for you. 

FAQs about Singapore’s Licensed Moneylenders

Finding Best Moneylender Singapore

A secured loan may be requested for any amount. Additionally, your salary determines how much you may borrow in total with an unsecured loan. 

For Singaporean or PR

  • A maximum of $3000 for those with yearly incomes between $10,000 and $20,000 
  • A maximum of six times your monthly salary if you make at least $20,000 each year 

For Foreigners

  • A maximum of $1500 for those with yearly incomes under $10,000 
  • A maximum of $3000 for individuals with annual incomes between $10,000 and $20,000 
  • A maximum of six times your monthly income for individuals with annual incomes of at least $20,000 

Singapore licensed moneylenders may charge up to 4% monthly interest as of October 1, 2015. Maximum 4% per month of late payment. All loans and income apply. 

The remaining principal determines the monthly interest rate. For instance, the entire principle debt is $12,000, and the payback was $8,000, leaving $4,000. The remaining amount, $4,000, must be charged interest monthly. 

Late monthly payments determine the late interest rate. Another example, if the loan is $10,000, the current payment plan is $2,000, and the remainder is $8,000, the late interest rate will be levied on $2,000.

You will be legally responsible if you take out a loan. In order to obtain one, you need take into account the following: 

  • Check for Other Alternatives. There are other choices than licensed moneylenders that may assist you with your financial demands. Another option is to apply for financial aid from various government agencies. 
  • Note of Contract. You must abide by the terms and conditions set out in the Note of Contract with the licensed money lender. Settlements in court might result from failure to comply. 
  • Ability to Repay. Make sure you have examined your financial situation and understand your capacity to repay before taking out a loan from a moneylender. Your income and your financial demands must be taken into account. Keep in mind that making late payments will result in both late interest and a late payback charge. It is advised that you borrow less money than you make and that you only utilise it for emergency requirements. Never spend money on lavish expenditures. 
  • Full Understanding of the Contract. You, as the borrower, must fully comprehend all of the contract’s terms and conditions. Consider the following: the repayment timeline, interest rate, and fees. You must confirm, as required by law, that the lenders have adequately described the Note of Contract. They must also provide a copy of the agreement to you. 
  • Caveats on Property. You must carefully read the Note of Contract. Make sure you are fully aware of the implications of placing a caveat on your properties. Keep in mind that if moneylenders place a caveat on your real estate, you could not get any of the selling profits until you completely repay the debt. As a result, you must carefully read the conditions before signing. 
  • Search for Other Moneylenders. You must choose a moneylender whose terms and conditions best fit your financial demands since they differ among them. Choose the one with beneficial terms as well. 

Moneylenders may only charge the following fees as of October 1, 2015: 

  • a maximum of $60 for each month of failure to repay a loan;
  • a maximum of 10% of the principal loan from the time the loan was granted or known as an administrative fee; and
  • legal cost awarded by the court for the loan recovery for each successful loan claim by a licensed moneylender

Keep in mind that the total fees cannot be more than the loan’s principal amount. For instance, the overall fees, including interest rates, late interest, late repayment fees, and administrative fees, cannot exceed $10,000, for instance, if the principal loan is $10,000. 

A licensed moneylender is included in the Ministry of Law’s monthly updated Registry of Moneylenders list, which is available as a PDF file. 

Despite a moneylender’s licence, be cautious and watch out for the following dishonest actions: 

  • Making threats and using abusive language 
  • Requesting your SIngPass Log-in information 
  • Keeping your NRIC card and identification on you, such as your driver’s licence, ATM card, and so on. 
  • Have you sign a loan agreement that is either blank or insufficient 
  • Failed to provide you with a copy of this contract and failed to explain the terms and conditions included in the Note of Contract. 
  • Approve a loan over the phone, over email, or by text message rather than following the law. Before disbursing a loan, the lender must personally meet the borrower in accordance with the legislation; and 
  • Withdrew from a principal loan a sum that was not covered by the administrative charge 

The Ah-long hotline at 1800-2255-529 must be contacted about the unfair practises listed above. Contact the Registry of Moneylenders and have your company name, licence number, and phone number handy. 

To learn further about unlicensed moneylenders you can click here.

A licensed lender of money may only use the following media to advertise: 

  • Business or consumer directories, either online or offline. 
  • Registered Website Address 
  • Within the office premises 

Outside of the three (3) channels, advertising is prohibited. This is one of the criteria that separates a licensed individual from one who is not. 

An unlicensed moneylender may use fliers, email, SMS, and social media sites like Facebook and WhatsApp to promote. So be careful and don’t answer them. You may file a complaint by calling 1800-2255-529 or using their contact form. 

Relying just on the advertisement’s substance is insufficient. There is not much information provided. You may get more information by calling or visiting the licensed money lender’s office. 

The following are the considerations you should keep in mind while acting as a surety: 

  • Keep in mind your obligation 
  • When the loan is approved, a copy of the Note of Contract must be present. 
  • The licensed lender clearly stated the Note of Contract. 
  • The terms of the contract are also explained 
  • A moneylender can’t take away your NRIC or personal identification documents; and 
  • The moneylender must not request sensitive information, such as a SingPass account, an email address, or access to online banking. 

When you get a loan, be careful to follow these rules: 

  • You must ensure that licensed moneylenders provide the correct amount of total principal loans with a maximum administrative charge reduction of 10%. 
  • Pay promptly. Avoid making late payments to avoid paying late interest and fees. 
  • Whenever you make a repayment, make sure the date, name, and amount are all spelt correctly on the receipt. 
  • Ensure that you will get a copy of the statement of account for your loans every January and July. Do not forget to confirm the accuracy of your information, including the name, amount, and date. 
  • Keep copies of your account statements and receipts carefully; they will serve as evidence of all your payments. 

Call the Registry of Moneylenders at 1800-2255-529 to file a complaint about unfair lending practises. Your complaint will be taken seriously, and the Registry will look into it. You may also need to provide them any pertinent papers and data. You can also be requested to appear for an interview with a representative of the Registry. 

According to the Consumer Protection (Fair Trading) Act, you may file a lawsuit via the Small Claims Tribunal or the Court if an inquiry reveals that a moneylender is using unfair practises. 

The Registry of Moneylenders is unable to assist you in this situation since your dispute concerns a private contract or agreement between you and the moneylender. 

You may get assistance from social service organisations if you’re having financial problems. They will educate you on basic credit management, help you get counselling, and even help you acquire a repayment plan. 

*Credit Counselling Singapore may also involve in handling debt cases with banks. 

Disclaimer:

Lender SG is Singapore’s independent loan money matching platform. We don’t provide any “financial products or services.” Furthermore, neither we nor any of our affiliates are licenced moneylenders or loan providers. We operate by using our loan matching technology to look for the best loan offers that suit a borrower’s financing requirements. We make sure that using our loan matching system is risk-free and cost-free, with no commitments. Your information will be handled swiftly and securely by our system after you submit it via our loan application form. Next, will match the appropriate offers with it. To finish the loan procedure, please be prepared to receive a CALL from the chosen licensed personal loan provider.

Get Personal Loan Offers from Lender SG in Just 5 Minutes!

Do you need a personal loan? Save your time and avoid looking for many lenders. In only five minutes, our loan matching tool matches you with the best loan options. With Lender SG, take charge of your money and acquire the money you need right now!