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 153 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.

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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 Singapore

Crawfort Money Lender Singapore

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 2587 reviews
powered by Google
M. TaufiqM. Taufiq
11:23 15 Jun 24
New customer here. Thanks to Crawfort and the loan they offer is quick. Very digitalised company with free drinks served outside. Quick and non-fussy process by Brandon. All T&C explain clearly by him.
Ewn EwnEwn Ewn
07:08 15 Jun 24
Serve by miss Emily lim. She is very friendly and polite. Explain all the details to us. Always give us the best advice and suggestions. Location near mrt. Environment is cozy and clean. Good job Crawfort keep it up.
Kelvin TanKelvin Tan
09:02 14 Jun 24
2nd time here. Officer Brandon offered me a comfortable loan after hearing from my experience. Thanks to him and crawfort I am able to settle my bills payment. Highly recommended
suresh davidsuresh david
06:36 14 Jun 24
Hi new customer here. Very satisfied with the service staff , specially miss Amery lim being so polite and professional. Explained clearly the procedures. Positive experience for a first timer. Will surely come back again if needed.
Dzul hairieDzul hairie
06:18 13 Jun 24
my first time at crawfort was very good with the assist from mr roy. explain very clearly with a very friendly attitude! surely the best and highly recommended lender. thanks once again!
Nazrul AsyraffinNazrul Asyraffin
06:56 11 Jun 24
Enid helped me out from the start and ended with no hiccups. Well explained, good for emergency when needed extra cash. Thank you Enid.
Fendi MohdFendi Mohd
04:41 11 Jun 24
Have been here at crawfort for many times. Todsy roy served me well and explain alot to me with their changes of policy. Thanks for the honest explaination. Well done .
Ignatius FooIgnatius Foo
03:10 11 Jun 24
Been here few times. Free cookies and drinks serve by Crawfort. Officer Brandon offered me a loan today. Very thankful for the loan and was please with the amount. Thanks crawfort for the effort and Brandon for his patience
Fiq ShamsudinFiq Shamsudin
08:17 08 Jun 24
Brandon offered me a loan today. Was please and very helpful to me on the loan. Appreciate the help from him and crawfort. Nice place here for loan. Recommended to come.
TEO SOON BENGTEO SOON BENG
06:17 06 Jun 24
Second time customer here. Serve by miss Emily Lim. She is very helpful and friendly she will explain everything in detail. But during the phone call might not so accurate. They will say you eligible and come down . Thanks all the officer explain make us clear and know that.
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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 2587 reviews
powered by Google
M. TaufiqM. Taufiq
11:23 15 Jun 24
New customer here. Thanks to Crawfort and the loan they offer is quick. Very digitalised company with free drinks served outside. Quick and non-fussy process by Brandon. All T&C explain clearly by him.
Ewn EwnEwn Ewn
07:08 15 Jun 24
Serve by miss Emily lim. She is very friendly and polite. Explain all the details to us. Always give us the best advice and suggestions. Location near mrt. Environment is cozy and clean. Good job Crawfort keep it up.
Kelvin TanKelvin Tan
09:02 14 Jun 24
2nd time here. Officer Brandon offered me a comfortable loan after hearing from my experience. Thanks to him and crawfort I am able to settle my bills payment. Highly recommended
suresh davidsuresh david
06:36 14 Jun 24
Hi new customer here. Very satisfied with the service staff , specially miss Amery lim being so polite and professional. Explained clearly the procedures. Positive experience for a first timer. Will surely come back again if needed.
Dzul hairieDzul hairie
06:18 13 Jun 24
my first time at crawfort was very good with the assist from mr roy. explain very clearly with a very friendly attitude! surely the best and highly recommended lender. thanks once again!
Nazrul AsyraffinNazrul Asyraffin
06:56 11 Jun 24
Enid helped me out from the start and ended with no hiccups. Well explained, good for emergency when needed extra cash. Thank you Enid.
Fendi MohdFendi Mohd
04:41 11 Jun 24
Have been here at crawfort for many times. Todsy roy served me well and explain alot to me with their changes of policy. Thanks for the honest explaination. Well done .
Ignatius FooIgnatius Foo
03:10 11 Jun 24
Been here few times. Free cookies and drinks serve by Crawfort. Officer Brandon offered me a loan today. Very thankful for the loan and was please with the amount. Thanks crawfort for the effort and Brandon for his patience
Fiq ShamsudinFiq Shamsudin
08:17 08 Jun 24
Brandon offered me a loan today. Was please and very helpful to me on the loan. Appreciate the help from him and crawfort. Nice place here for loan. Recommended to come.
TEO SOON BENGTEO SOON BENG
06:17 06 Jun 24
Second time customer here. Serve by miss Emily Lim. She is very helpful and friendly she will explain everything in detail. But during the phone call might not so accurate. They will say you eligible and come down . Thanks all the officer explain make us clear and know that.
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Monetium Credit

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

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

Zalikha ZahidahZalikha Zahidah
09:28 16 Jun 24
vivi is very friendly and she even explained everything clearly when im confused on the options given.
KennethKenneth
04:54 16 Jun 24
Vivi at LendingBee fareast service is marvellous👍🏻
MimieMimie
10:48 15 Jun 24
Mr Derek Chua was so helpful and explained very clearly!
John TanJohn Tan
10:07 15 Jun 24
Thomas SamuelThomas Samuel
12:00 14 Jun 24
shangqian yangshangqian yang
07:24 12 Jun 24
Chenxu WeitianChenxu Weitian
04:26 12 Jun 24
Fuss free and helpful staff that help you understand your loan needs. Able to give a good view of the repayment structure. Highly recommend if you need any loan.
Lukey P PersonaLukey P Persona
10:56 11 Jun 24
Had a very quick and straightforward application experience with ViVi. Would use the Lending Bee service again!
Jenny Siew hwaJenny Siew hwa
09:00 11 Jun 24
Thank you Jasmine for being so helpful! Appreciate it.
Elfida RosianaElfida Rosiana
10:09 10 Jun 24
Vivi is awesome!
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Credit Excel Capital

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

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 487 reviews
powered by Google
SuriyanSuriyan
07:00 13 Jun 24
Tommy NgTommy Ng
11:41 12 Jun 24
Karen VidalKaren Vidal
07:29 12 Jun 24
M FABBY M JINGULIM FABBY M JINGULI
05:15 12 Jun 24
Darren NgDarren Ng
08:28 10 Jun 24
Really helps and trying the better plans and fulfill your wishes
RequidelRequidel
05:37 08 Jun 24
Will listen to your predicament and try thier best to help you out. Tyvm for the assistance
jowie jesorojowie jesoro
10:40 05 Jun 24
Polite service free drinks low interest low admin fee
Jean TanJean Tan
05:39 05 Jun 24
Ethan is very professional and friendly. He is a great help and assist to assist me.
Muhammad HafizMuhammad Hafiz
04:09 05 Jun 24
Seamless service. Ethan was precise with his explanation and helpful. Highly recommended! 💯
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118 Credit (Formerly QV Credit)

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

Moh MahMoh Mah
05:28 07 Jun 24
Thanks Justin for the smooth transaction. You have been a great help. 😊👍
Nur SyafiyahNur Syafiyah
10:13 27 May 24
Served by mr soh today and feel satisfied with his service.He is patient through out the process while explaining the situation to me. Thanks and will come again if I need!
arun chandranarun chandran
11:48 13 May 24
Justin was very helpful for explaning the plan.
Yazid MohdYazid Mohd
03:28 13 May 24
Mei... thank you for your help!! Great services!! Very well explained.. will definitely be back if required again.. once again.. thank you!!
Farit IsmethFarit Ismeth
05:19 11 May 24
Quick and fast loan approval. I would like to thank Ms. Mei for the assistance with the loan process
Rajiv ChandravathnanRajiv Chandravathnan
05:04 11 May 24
Justine guide me very well..tq so much to 118 credit
Che mohd YusriChe mohd Yusri
11:24 09 May 24
Very helpfull...thanks to justin for the help..
Alvin LeeAlvin Lee
11:31 08 May 24
Good service provided by Justin. 👍 Highly recommended.
Harsimran SinghHarsimran Singh
04:29 04 May 24
Very good service provided by justin
Syukri Abdul RazakSyukri Abdul Razak
11:16 03 May 24
1 1 8 (justin) is my second license moneylender when my financial situation was less than ideal. They are very professional and understanding. I highly recommend them to anyone looking for a loan with reasonable terms.
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Bugis Credit 

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

Hlaing PhyoeHlaing Phyoe
11:38 05 Jun 24
Loga PrakashLoga Prakash
11:49 04 Jun 24
Recommend Bugis (470 North Bridge Road)
Zwe Htet AungZwe Htet Aung
11:11 31 May 24
This is my first time loan at money lender. Nini is frendly and explain all about contract and payment.
hameed sahhameed sah
06:46 31 May 24
Very friendly staff.
Krishnan MalaKrishnan Mala
12:36 30 May 24
First time took loan fro here the staff Nini very friendly and respectful. Explained all the procudures well briefly.
Pei MontalesPei Montales
06:37 27 May 24
Very accomodating and helpful staff. Ms.Lim was friendly and non judgemental. Being a foreigner here there’s not much option for financial help. Glad I found them online. Legit money lender with all the right paperworks and document checking in place so you don’t have to worry.
Hassle free and fast transaction.thank you bugis credit for lending money.
ezryanezryan
11:50 16 May 24
Very detailed explanation as per the process & next course of action as assisted by Miss Lim.. Professional & helpful.. 👍🏼👍🏼
Heriz BasriHeriz Basri
04:39 15 May 24
This is my first time loan from Bugis Credit and Ms.Lee explained to me about the loan amount and repayment very clear and transparent..overall i’m happy with their service..thanks
Iris MatabangIris Matabang
04:44 13 May 24
Ms. Ting was cery helpful and attentive- i had to go back for a pending document and she kindly assisted me through the whole process
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Credit Culture

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 86 reviews
powered by Google
abu aisyahabu aisyah
04:41 13 Jun 24
J YJ Y
07:12 31 May 24
Although i did not get a loan from them. But would recommend to give it a try for those with a fair credit burea score and stable employment income. The interest rate, is just double of banks, but far nicer compare to licensed money lenders.
chu yuanchu yuan
07:55 28 May 24
Great place and fast process!
th lth l
01:06 21 May 24
Very fast approval process.Very good helpful n friendly service staff.Good place to approach for emergency cases.Very fair n attractive rates.
Aizuddin AhmadAizuddin Ahmad
01:46 11 May 24
Credit Culture saved me from bad debt after being scammed of almost 45k. Their low-interest loan helped me cover the losses and avoid further damage to my credit rating. Highly recommend!
Maira AshMaira Ash
00:00 02 May 24
Clarita BeaumontClarita Beaumont
04:45 23 Apr 24
Second time loaning from them, all went smoothly! Thank you!
hOnKiEzhOnKiEz
04:01 09 Apr 24
Very professional.
dafeisgdafeisg
12:30 27 Mar 24
Professional and legitimate. Thumbs up good services and easy to use website. Clear and transparent with reasonable rates. Would recommend!
Mustaqim AzizMustaqim Aziz
08:43 01 Mar 24
super easy and smooth process, very thankful to have came here
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Accredit

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

Aidil RahmanAidil Rahman
09:01 15 Jun 24
Went down to the office and handle by Yvonne, she's very friendly and professional in explaining to us about the loan and on the rule and regulations, very happy with her and her team service. Highly recommend to come and borrow. Not a scam or illegal moneylender.
Andy NgAndy Ng
04:40 15 Jun 24
Andy LimAndy Lim
04:00 11 Jun 24
Came down Yishun outlet and served by Yvonne. Great explaining details. 👍🏻
Aan Wadehliciouz AanAan Wadehliciouz Aan
07:44 10 Jun 24
Melt4499 TanMelt4499 Tan
08:06 09 Jun 24
1st time getting a loan from Accredit. Very impressed with the services provided. I was served by Ms Yvonne, lovely lady. Makes you feel very comfortable. Her team also very very friendly., glad that I choose Accredit. Thank you for such a pleasant experience, I truly appreciate it🫶
Su Fang YongSu Fang Yong
05:36 09 Jun 24
Yishun branch, good serviceYvonne, Amber and Alvin
Jaryl TanJaryl Tan
09:58 07 Jun 24
Evelyn yu yu kelvin very good service
Ayesha HussainAyesha Hussain
09:33 07 Jun 24
Served by Yuyu...she's very friendly and help me approve my loan 🥰
Javier QuahJavier Quah
05:05 03 Jun 24
kelvin is very helpful and friendlywill explain to you in detailed about your loan
DyaDya
05:03 03 Jun 24
Good fast,smooth friendly staff by debbie.
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Credit21

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

DYGamingDYGaming
10:43 14 Jun 24
Served by Jordan , shania & nana. It was fast and efficient ! Got my loan approved within minutes. Recommended for those who wants to take out a Fast Loan. Thank you for you service.
vignesh kvignesh k
10:57 12 Jun 24
Danial RahmatDanial Rahmat
09:52 12 Jun 24
Muhd ShadMuhd Shad
09:10 11 Jun 24
was attended by Nana, she was very clear in explanation and made me feel at ease. Thank you so much for the help, greatly appreciate it
Yatie MisYatie Mis
05:01 11 Jun 24
Raja Tsaqif HelmiRaja Tsaqif Helmi
08:10 04 Jun 24
Shania was helpful with the loan. Fast and clear of everything
Christine AmmaniChristine Ammani
11:47 03 Jun 24
Great service
cheung maxcheung max
06:12 03 Jun 24
thanks Jordan for processing my loan
ANDRU BABYANDRU BABY
05:40 03 Jun 24
Good
Jeffrey ChuaJeffrey Chua
05:26 03 Jun 24
Shania was fast and efficient, thank you for your great service
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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.

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