The economy as of May 2020 is not looking good. Business owners are bleeding away money, while more and more employees are getting laid off.
Coupled with the urgency to keep up with the standards of living, borrowing money seems to be one of the few choices left.
Licensed Moneylenders – Who are they?
There are several licensed moneylenders registered with the Ministry of Law in Singapore. Contrary to popular belief, they are not loan sharks.
Unlike these Ah Longs, there are restrictions imposed on licensed moneylenders when it comes to the loan amount, fees, as well as interest rates. Nevertheless, there will still be consequences if you don’t pay up on time.
Let’s find out more.
Tips to consider before engaging a moneylender
Ask yourself, is it necessary at all?
“We cannot solve our problems with the same thinking we used when we created them.” – Albert Einstein.
Remember this: getting more money is not the only solution in many situations. Ask yourself these questions:
What problem am I going to solve with this loan?
Unless it’s for a critical situation such as life and death, you should reconsider your options.
Are there other alternatives to solve this issue?
If you are experiencing issues with daily survival, the first place you should check out is the social service office near you. They can help guide you to a suitable government grant. With that being said, do not depend entirely on grants. Get help in your job finding or career planning goals so that you’ll start taking steps to get out of this rut.
If it’s a business goal and the banks have rejected you, be creative with your alternatives. Getting a loan to start a business will add a big dent to your overheads, especially when you are dealing with an interest rate that’s possibly higher than one from a bank. There are many ways you could work around it – Work on your pitch to secure investors or get another temporary job to support your dream.
If your business is suffering as a result of a crisis like Covid-19, there are several business schemes available to help you tie through this period. You may also consider cutting down your expenses.
Do I have a repayment strategy?
You have to work out how you will pay off these loans. Create a budget plan and do away with unnecessary expenditure. It’s not an enjoyable process considering the number of luxuries you may have to give up.
License and credibility
The Ministry of Law provides a list of authorised moneylenders locally. If the moneylender you are planning to check out isn’t on the list, do not proceed.
If you are visiting an outlet, make sure they have a valid license from the Registry of Moneylenders.
Reputation is another factor that you should take into consideration. Check out their customer reviews, as well as their years of operation.
Additionally, be aware that licensed moneylenders DO NOT advertise their services through phone calls or texts.
Interest rates
Make a comparison with at least 5-10 different moneylenders. Don’t be fooled by the low-interest rates that some may offer. Check out if there are any hidden costs.
Flexible payment plan
As with interest rates, make a comparison with at least 5-10 options. Choose a moneylender whose priority is to help you solve your issue instead of one who’s all about making money off your interests. The moneylender should offer you a flexible plan so that you can pay your up your dues and not pile up your debt.
Check through the paperwork and keep them in a safe place
If you are unsure of the terms in the contract, bring someone knowledgeable along with you. Scrutinise through the agreement and keep them, together with the receipts and bank statements in a safe place. These documents will come in handy during times of dispute.
What if I can’t pay up on time?
This issue should not be happening in the first place. You have to work out a firm strategy to pay the moneylender back before signing any agreement.
However, if there are any sudden unforeseen situations creating a detour in your payment plan, contact your moneylender immediately. Negotiate for an extension or a new repayment plan.
There would usually be an extra fee for this. Yet, this is still much better than having your interests multiply.
The moneylenders may also send in trained debt collectors. The latter may pressure you into paying up, legally. They can come by your home, drop by your office and even stalk your social media account, causing people to know about your financial situation.
When this happens, do be intimidated by them. Negotiate with these debt collectors for a brand new repayment strategy. Do note that it’s illegal for 5 or more debt collectors coming together to see you. They are also not allowed to use physical or verbal intimidation. If that happens, call the police immediately.
The moneylender also has the legal right to sue you if you have been continuously skipping on your repayments. If an asset has secured your loan, it may risk repossession.
Lastly, if you have debts amounting to at least $15,000 and are not able to repay them, you can consider filing for bankruptcy. However, with that, comes other potential social and career problems. Therefore, avoid making bankruptcy an option at all costs.
Company |
Fast Money |
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Speciality |
Fast Money is registered and licensed with the Registry of Moneylenders. They operate with the goal of offering instant cash loans to PRs, Singaporeans and foreigners in Singapore. They seek to provide fast, hassle-free and efficient services to all clients. Services :
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Website |
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| Address |
Main Office : Block 101 Yishun, Avenue 5 #01-35, Singapore – 760101 Branch Office : Blk 505 Tampines, Central 1 #01-341, Singapore 520505 |
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Contact |
Main Office :
Branch Office :
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| Operating Hours |
Monday to Sunday – 12 PM to 8 PM Closed on Public Holidays |
Company |
Accredit Pte Ltd |
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Speciality |
Considered rather new within local moneylending scene, Accredit Pte Limited has been noted as a top newcomer or registrant within Ministry of Law’s Pilot Scheme. Having outlets housed locally, many of Accredit Pte Limited’s outlets are found just under 5 minutes’ walk over from closest MRT – certainly, such potentially arrests one’s attention. Holding rates or interest which remain truly clear and clean, Accredit Pte Limited is widely regarded as one of budget fixes for loan options offering highly enticing loan terms. Many of the outlets hold a unique feel, tending to residents, still one could reach the outlet which has near location for travel, then you could be assured to receive high standards of attention, tending and service throughout. Loan contracts are directly, clearly, thoroughly articulated to all loan-takers or slowly assist them consolidate loans. Some big bonuses or reasons Accredit Pte Limited is seen as a top money lender draws from the much longer loan fulfilment schemes – their loans often seek to provide loan takers a credit repayment scheme you find better or suited to your loan needs on terms possibly met. Accredit Pte Limited is also one of the rare moneylenders that constantly innovates, coming up with their very own Loan Portal that clients may view their repayment schedule and download receipts with ease. Together with their competitive interest rates, Accredit Pte Limited earns a listing in the Top 10 list.
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Website |
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| Address |
Tampines: 503 Tampines Central 1,#01-315, Singapore 520503 Hougang: 1187 Upper Serangoon Rd,#01-15 The Midtown,Singapore 533971 Tiong Bahru: 18, #01-04 Jln Membina,Singapore 164018 Yishun: 743 Yishun Ave 5, #01-548,Singapore 760743 |
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Contact |
Tampines: 6226 2662 Hougang: 6245 2662 Tiong Bahru: 6261 2662 Yishun: 6219 2662 |
| Operating Hours |
Monday – Friday: 11 am to 9 pm Saturday – Sunday: 10 am to 5 pm |
Company |
KBB Credit SG Pte Ltd |
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Speciality |
KBB Credit SD Pte Ltd was known to old clients as KBB Credit. Service began from year 2010 and they offer high standards.
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Website |
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| Address |
111 North Bridge Road #01-35 Peninsula Plaza, Singapore 179098 |
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Contact |
Tel: +65 6255 6998 Email: enquiry@kbbcredit.sg |
| Operating Hours |
Monday – Friday: 11 am to 9 pm Saturday – Sunday: 12 pm to 6 pm Open everyday including public holiday |
Company |
Soon Seng Credit PTE LTD |
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Speciality |
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Website |
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| Address |
Chinatown MRT station – a mere 5 minutes’ walk from Chinatown MRT Exit C – Soon Seng Credit is at 1 Park Road,People’s Park Complex (Chinatown) #01-21 |
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Contact |
Tel : (65) 6292 5693 Email : soonsengmlsg@gmail.com |
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Company |
A1 Credit |
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Speciality |
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Website |
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| Address |
2 Havelock Road, Havelock II #02-08, Singapore 059763 |
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Telephone |
(65) 6336 0833 |
| Operating Hours |
Monday, Wednesday & Friday: 3pm to 7pm |
| Client |
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Review |
“Positive: Professionalism, Quality, Responsiveness, Value Friendly, fast & easy service available from this good licensed moneylender. My first experience with them was from 2018. I am usually served by Jay and he was very pleasant and helpful. He serve with smiles and politely throughout all the loans. He did explained to me clearly and the borrowing is very pleasant and hassle free. My future visits were given warm welcome and they even extended their help to assist me on other problems. I am very pleased with their service that they rendered to me when I am facing difficulties. They are the best moneylenders in Singapore that brighten up your day. I would highly recommend everyone if you require their personal loan assistance. Thank you A1 Credit, the best legal moneylenders in Singapore” |
Company |
Best Credit |
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Speciality |
Best Credit SG Pte Ltd, earlier named as Cing Dien Credit, found opening from 1985. Also, Best Credit SG Pte Ltd is a leading, top, old, licensed money lender certified by Registrar of Moneylenders (IPTO) in Singapore. They hold over 30 years of loan experience in as lenders. Holding a registry seal of approval, Best Credit SG Pte Ltd is skilled for making loans to Singapore Citizens, Permanent Residents and Foreigners that are employed within Singapore. Owing to their skills in the money lender sector, they may operate to approve offered loans within a highly prompt frame of time and give you fast funding amazingly fast. Over time they remain, retain consistent service for giving all assurance that they give best loans to their clients, and hold very reasonable interest offers. Best Credit SG Pte Ltd has assisted many people to quickly get access to cash quickly, without wasting the trouble taken of visiting, loaning from banks.
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Website |
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| Address |
Blk 372 Bukit Batok Street 31, #01-374 (Level 2) Singapore 650372 |
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Telephone |
(65) 6272 5538 |
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Operating Hours |
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Review 1 |
“Very good service from Lynn she is very thoughtful and well mannered I strongly would recommend best credit. Of course ppl taking loans have to understand that all moneylenders take 10% for the initial start and they will check your source of income whether you eligible to take the loan. Lynn is an excellent employee .I really appreciate she had brief me thoroughly before taking the loan.” |
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Review 2 |
“That’s why it’s the best credit. Listen to my problem. Offer me a 3 month loan. Help me solve my current situation. Nice chatting with them. Highly recommended” |
Company |
KBB Credit |
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Speciality |
KBB Credit SD Pte Ltd was known to old clients as KBB Credit. Service began from year 2010 and they offer high standards. From the day they opened to lend, they made many good loans. Holding very good loan options, offering flexible loan terms for borrowers, many good, positive reviews of good service have come from clients. KBB provides, delivers some personal financial loans reaching a low 1% to Singapore local citizens and foreigners to take. With the case, one is looking for some loan, reach out and make contact quickly at +65 6255 6998 or email at enquiry@kbbcredit.sg to allow the staff to reach you quickly, promptly. The trained consultants are on hand constantly to respond, aid you with any query that you could pose, fast, timely and no delay – for all their loans or simply to talk about loan interest or debt.
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Website |
https://kbbcredit.sg/ |
| Address |
111 North Bridge Road,#01-35 Peninsula Plaza, Singapore 179098 |
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Telephone |
(65) 6255 6998 |
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Operating Hours |
Mon-Fri: 11am – 9pm |
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Review 1 |
“Just got a loan at KBB. Life saver! Thank you for helping me with my background situation. Special thanks to Lena, very helpful and friendly staff. She explained clearly and also sought out what is good for my case. Gave my good advice too. Thank you! 👍👍” |
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Review 2 |
“Cant find a better company than kbb. They are very clear cut in all their terms and conditions, nothing hidden. Anything i ask them, they will answer my question. They make me feel safe and comfortable taking from them cause they were honest. Monthly charges for their installment was very affordable and reasonable. I feel that it is safe to recommend to my friends” |
Company |
Cash Mart |
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Speciality |
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Website |
https://cashmart.sg/ |
| Address |
277 Balestier Road, Singapore 329726 |
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Telephone |
(56) 6397 4111 |
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Operating Hours |
Mon-Fri: 11am – 8pm Saturdays: 11am – 6pm |
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Review 1 |
“I would recommend Cash Mart as they are transparent and trustworthy. Most importantly, loan an amount which you can afford to repay back. Cash Mart also have a ceiling loan amount according to your income thus clients are protected.” |
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Review 2 |
“I have with Cashmart for about 4yrs to 5yrs dey are the best solution to go thru n the staff were very efficient n fast I would recommend to others who is really need assistance no worries everything can be done pls look out for Cashmart” |
Company |
365 Credit Solutions |
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Speciality |
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Website |
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| Address |
14 Scotts Road, Far East Plaza #03-64, Singapore 228213 |
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Telephone |
(65) 6222 5500 |
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Operating Hours |
Mon to Fri: 10:30am to 8:30pm |
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Client |
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Review |
“Mr Khor explained to me very well for the repayment of my loan. A very realistic person when comes to advising his customers. The services he have rendered was very helpful and no doubt the best. Thank you Mr Khor!.” |
Company |
Quick Loan |
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Speciality |
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Website |
https://www.quickloan.com.sg/ |
| Address |
10 Anson Rd, International Plaza #01-15, Singapore 079903 |
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Telephone |
(65) 6223 1788
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Operating Hours |
Mon – Fri : 11am – 8pm Sat: 12pm – 5pm |
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Review 1 |
“Excellent customer service. The staffs are very helpful and friendly. The atmosphere here is good. Highly recommend.” |
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Review 2 |
“The service staffs here were polite and prompt when serving me. They are exclusive and warm. Really appreciate the excellent team. Keep up the good work. |
Company |
Bugis Credit |
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Speciality |
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Website |
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| Address |
470 North Bridge Road, Bugis Cube #02-12, Singapore 188735 |
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Telephone |
(65) 6345 9123 |
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Operating Hours |
Monday, Wednesday & Friday: 3pm to 7pm |
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Review |
“Their service is great. The loan officer explained every single detail to me until I understood all the personal loan terms and conditions. The admin fee and interest rate was reasonable as well. Good Licensed Moneylender!” |
Company |
U Credit |
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Speciality |
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Website |
https://ucredit.sg/ |
| Address |
180 Bencoolen St, The Bencoolen #01-19, Singapore 189646 |
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Telephone |
(65) 6337 1768 |
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Operating Hours |
Mon, Wed & Fri: 1pm – 5pm |
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Review |
“Great service!! I have been to U Credit several times and I always get the best service. If you want to know ahead of time what the fees will be they will tell you over the phone. They staff are very kind and understanding.” |
Company |
Katong Credit |
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Speciality |
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Website |
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| Address |
304 Orchard Rd, Lucky Plaza #02-30/31, Singapore 238863 |
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Telephone |
(65) 6291 2210 |
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Operating Hours |
Mon, Wed, Fri: 1pm – 5pm |
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Review |
“Was having some financial troubles and at first I was skeptical as it was my first time going to a moneylender.. since they have always had a stigma that they’re like loan sharks but Katong Credit really changed my impression. Was greeted and welcomed by the friendly staff. The loan officer that served me was really professional and accommodating. Loan approval was promptly too! Thanks for the help would definitely recommend!” |
Company |
Quick Credit |
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Speciality |
They are considered senior or highly reputed money lenders in Singapore, Quick Credit have been noted for consistent delivery of service, handling loans with effective attention. Founded in 2002, they eventually chalked up good, clean repute based on service-oriented approach. Quick Credit’s personal loan options eventually have grown over extended periods, taking care to align well with client’s requests quickly or all loam-taker’s hopes with good creditor know-how. Found within the shopping mall of IMM, a trip to Quick Credit could even become sun happy shopping time for family fun. Allow the family to visit shops, do some beauty care with getting some shopping done, with your time in a tidy, clean office to get fast loan fixing. Quick Credit’s loan attendants are uniformed, duly meeting their loan-takers with prompt, efficient service upon entry – one is given prompt, attentive, good, timely service and tending. With a range of loan options, spanning payday loans or personal loans or business capital loans or debt consolidation loans, Quick Credit delivers some loans tailored to meet creditor demands to assist clients with their loans. They stand as established, prompt and attentive loan service, able to assist you to make debt consolidation while they remain open weeklong, open Sundays and Public Holidays. Quick Credit rates well on CreditReview’s moneylender reviews.
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Website |
https://www.quickcredit.com.sg/ |
| Address |
2 Jurong East Street 21, IMM #04-01A, Singapore 609601 |
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Telephone |
(65) 6899 6188 |
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Operating Hours |
Mon-Fri: 11am – 8pm |
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Review |
“Have been mu source of urgent assistance for the past 7 to 8 years. Friendly and helpful staff such as Calvin, Ivy and Lucas. Willing to listen and discuss on repayment plan without adding a pinch or pressure. Been dealing mostly with Calvin whom has been really really helpful. Cheers Guys😊” |
Company |
Empire Global |
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Speciality |
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Website |
https://applypersonalloans.sg/ |
| Address |
Block 513 Bishan St 13 #01-514 Singapore (570513) |
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Telephone |
(65) 6259 1883 |
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Operating Hours |
Monday-Saturday: 11am – 7pm |
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Review |
“Excellet service !! Roy and David was very friendly and helpful ! Very efficient and fast , understanding and respectful unlike other lenders . Great people and Great Job . Office is well located and very clean and neat too . The two of them deserve a round of applause” |
Company |
Money Lender Hub |
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Speciality |
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Website |
http://www.moneylenderhub.com/ |
| Address |
149 Rochor Rd, Fu Lu Shou Complex #01-07, Singapore 188425 |
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Telephone |
(65) 6266 5422 |
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Operating Hours |
Mon, Wed, Fri: 1pm – 5pm |
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Review |
“I feel comfortable to take loan from here. They always know my situation and give me good financial solution. A big thanks to you guys.” |
Company |
On Line Credit |
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Speciality |
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Website |
http://www.onlinecredit.com.sg/ |
| Address |
210 New Upper Changi Rd, Bedok Town Centre #01-731, Singapore 460210 |
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Telephone |
(65) 6445 9166 |
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Operating Hours |
Mon,Thurs,Sat: 3pm – 6.45pm |
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Review |
“The staff here are all very friendly and professional, will try their best to match your loan and repayment needs in times of needs. Every trip there is a pleasant experience! Fuss free repayment methods too! Highly Recommended!” |
Company |
Capital Funds Investment |
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Speciality |
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Website |
https://www.loancfi.com.sg/ |
| Address |
65 Ubi Crescent, Hola Centre #06-07, Singapore 408559 |
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Telephone |
(65) 62817736 |
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Operating Hours |
Mon-Fri: 12pm – 8pm |
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Review 1 |
“Positive: Professionalism, Quality, Responsiveness, Value
I saw Capital Funds Investment’s good reviews and decided to give it a try. Their staff were professional during the phone call and gave clear advices and inform me the things I have to bring to the office to be assessed. I headed down to the office and was greeted by warm and friendly staffs. They were prompt in answering all my questions and worked out a plan that im comfortable with. They also ensure that I am fully aware of all the terms in the contract. Very reliable service from them. Most importantly, they were able to help me with debt consolidation with low interest rate! Thank you Capital Funds! Would highly recommend them!” |
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Review 2 |
“Had been with them for a few months and hope this review was not too late. Initially wanted to get another loan from this company to pay off another. After their interview, a debt consolidation was proposed with low interest rate and long repayment period . Am glad that i took up their proposal, since my tenure with them. I only need to focus payment to a money lender and I no longer have any cash issue since my tenure with them. Kudos to this wonderful team who’s really out to solve our issue and I highly recommend giving them a visit especially when you are looking for debt consolidation service.” |
Company |
Credit 21 |
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Speciality |
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Website |
https://www.credit21.com.sg/ |
| Address |
10 Anson Rd, International Plaza #01-07, Singapore 079903 |
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Telephone |
(65) 6221 1811 |
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Operating Hours |
Tues, Thurs, Sat: 1pm – 5pm |
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Review 1 |
“Smooth and quick. Staff that assisted me was absolutely wonderful and provided exceptional customer service. Thank you very much. You relieved my stress by leaps and bounds! Highly recommended.” |
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Review 2 |
“Fuss free, efficient and extremely friendly! My loan was settled in minutes. Thumbs up! Recommended to all. (: Shoutout to all the staff working that day who made the experience enjoyable!” |
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Review 3 |
“Very professional and detailed explanation on the loan process and repayment fees. Very transparent on interest rates with all fees clearly explained. Professional and pleasant service staffs.” |
Company |
Credit 33 |
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Speciality |
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| Website | |
| Address |
304 Orchard Rd, Lucky Plaza #02-88, Singapore 238863 |
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Telephone |
(65) 6292 2931 |
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Operating Hours |
Mon, Wed, Fri: 1pm – 5pm |
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Review |
“Loan officer there provide good customer service, well explanation, make sure I understand contract well, and most important they are very flexible with the plan given according to my profile. Overall was excellent!” |
Company |
Credit Master |
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Speciality |
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Website |
https://www.creditmaster.sg/ |
| Address |
1 Park Rd, People’s Park Complex #01-50, Singapore 059108 |
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Telephone |
(65) 6748 1338 |
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Operating Hours |
Tues, Thurs & Sat: 1pm – 5pm |
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Review 1 |
“To be honest, i can be quite slow in understanding things, therefore I’ve faced quite a number of unpleasant people. Today I went down to Credit Master, I was very pleased with the working attitude they have. I would like to specifically point out, Jessica, who had so much patience despite me asking so much questions . She even gave me some financial advice due to some difficult situations. Thanks to her, I’ll be back to credit master again instead of others.” |
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Review 2 |
“Service is very efficient. Beautiful loan officers. Jeremy and Claudia are very friendly and explain the best way for me to save money which other places would not help you with. Fast and high amount of loan approval! Always Come to them to get loans.” |
Company |
1st Credit SG |
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Speciality |
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Website |
https://www.moneylenderhub.com |
| Address |
149 Rochor Rd, Fu Lu Shou Complex #01-07, Singapore 188425 |
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Telephone |
(65) 6266 5422 |
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Operating Hours |
Tues, Thurs, Fri: 1pm – 5pm |
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Review 1 |
“Good lending company always solve my financial problem. Offer installment plan and good interest rate.thank you” |
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Review 2 |
“I am happy that I step in to this office. They give me flexible monthly plan which has greatly help me a lot. Highly recommended for those looking for good moneylenders. “ |
Company |
Fortune Credit |
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Speciality |
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Website |
https://www.fortunecredit.com.sg/ |
| Address |
2 Havelock Rd, Havelock II #02-08, Singapore 059763 |
| Telephone |
(65) 6336 0833 |
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Operating Hours |
Mon, Wed, Fri: 3pm – 7pm |
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Review 1 |
“Positive: Professionalism, Quality, Responsiveness, Value Friendly, fast & easy service available from this good licensed moneylender. My first experience with them was from 2018. I am usually served by Jay and he was very pleasant and helpful. He serve with smiles and politely throughout all the loans. He did explained to me clearly and the borrowing is very pleasant and hassle free. My future visits were given warm welcome and they even extended their help to assist me on other problems. I am very pleased with their service that they rendered to me when I am facing difficulties. They are the best moneylenders in Singapore that brighten up your day. I would highly recommend everyone if you require their personal loan assistance. Thank you A1 Credit, the best legal moneylenders in Singapore.” |
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Review 2 |
“This was my first time filling out an application form for a business loan with licensed Moneylender. I am confused and didn’t know which company to choose. Then I found A1 Credit. I decided to take a loan from A1 Credit. The loan officer was very friendly and provided me with a business loan. I recommend A1 Credit to everyone.” |
Company |
UK Credit |
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Speciality |
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Website |
https://ukcredit.sg |
| Address |
New Upper Changi Rd, Blk 210 Bedok Central #01-723, Singapore 460210 |
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Telephone |
(65) 6448 7448 |
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Operating Hours |
Mon, Wed, Fri: 3pm – 7pm |
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Review 1 |
“Ms Wendy was very helpful. Despite other moneylender she’s quite proficient and she explained the contract very clearly. I’m am very please with her world class service standard. Thank you Miss Wendy.” |
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Review 2 |
“Had a great experience with Miss Wendy. Very helpful and understanding. It was a God Speed transaction. No hassles. Highly recommended. Thank you Ma’am” |
Editors Note:
While every precaution has been made to ensure the accuracy and fairness of this listing, we acknowledge that they may be inaccuracies. Therefore we urge you to contact the service provider above for the correct information and/or contact us with the correct information.
If you are a service provider and wish to be featured in this listing (MediaOne reviews are read by hundreds of thousands of Singaporeans) – please contact us at enquiry@mm.com.sg. There is no charge! Please allow us up to 3 working days to review before adjusting the information or including your entry.
Author Bio
Tom Koh is widely recognised as a leading SEO consultant in Asia who has worked to transform the online visibility of the leading organisations such as SingTel, Capitaland, Maybank, P&G, WWF, etc. Recently he was instrumental in consulting for a New York-based US$30B fund in an US$4Bn acquisition. Tom is a Computational Science graduate of the National University of Singapore. In his free time he performs pro-bono community work and traveling.
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