Personal Loans

A Loan that is Customised to your Personal Needs

As the ongoing pandemic situation evolves in Singapore, economic uncertainty becomes the greatest worry weighing on everybody’s mind. Many households in Singapore are facing great financial stress, leading to higher credit needs. Even for people with savings to buffer through this period, it is inevitable that insecurity will set in, thereby intensifying the need for more cash liquidity. Whether you need cash to tide you through this difficult period or just need more funds to provide more backup for your commitments, we have the perfect personal loan solution that will fit your situation.

We believe that nobody should be deprived of the ability to access financing regardless of their profile. We also understand that not everybody will be able to draw on conventional financing facilities from banks due to one’s unique situation. That is why we have devised a range of cash loan packages to suit individuals with different credit ratings.

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Licensed Moneylender Singapore

Key Benefits of Personal Loan

Personal loans are useful loan facilities to gain access to quick cash.
Some of their benefits include:

Personal Loan

Unsecured loan

Unsecured personal loans can be tailored to your individual needs. No collateral is necessary from you in return for flexible and affordable quick cash loan solutions.

Moneylender Singapore

Quick approval process

Unlike banks which require numerous demanding credit checks, personal loans offer a straightforward and fast turnaround process upon submission of all the necessary documents.

Cash Loan

Unrestricted loan usage

Personal loans are disbursed to meet a wide range of needs, which can range from unexpected financial expenses like traffic summons and medical bills to managing household cashflow during crises.

Personal Loan

Easily and readily available

Personal loans can be made available easily and readily through our professional loan consultants, who can be easily reached anytime to offer you financial advice and answer any queries that you may have.


With so many money lenders to choose from in Singapore, you must be wondering what are our advantages that differentiates us from other money lenders. Here are some of the winning factors that make us stand out from the rest:

Moneylender Singapore

Legal and licensed

We are a fully licensed moneylender in Singapore. When you take a personal loan with us, you can be rest assured you are legally covered as our personal loan facility is authorised by the Ministry of Law, and abides by the relevant authority’s guidelines and regulations.

Licensed Moneylender Singapore

Experienced and reputable

We have established a sound track record over the years servicing many satisfied clients who have received financial assistance via our customised personal loans. Our team of specialised financial specialists are knowledgeable and well-versed in structuring suitable personal loans to suit different individual needs.

Personal Loan


We offer one of the best low interest rate loan in Singapore. We make quick cash loan readily available for you to provide you with the confidence and assurance of being able to meet your financial obligations anytime.

Cash Loan


We understand that you may have an urgent need for quick cash, hence we are committed to operate with quick approval process and turnaround time.

Licensed Moneylender Singapore

Friendly and approachable

Feel at ease knowing that your needs are well taken care of by our experienced financial specialists who are readily available to provide you with the professional advice that you need. We make it our main concern to help our customers resolve any issues that they may have.

Personal Loan

Convenient and straightforward

Our personal loan application can be done online making the process easy and hassle-free.

Moneylender Singapore Cash Loan



To qualify for our personal loan, you need to be a Singapore resident or a foreigner with a valid S Pass work permit who is at least 21 years old.

Our personal loan application process is quick and easy. All you need to do is determine the amount you need to borrow, which can be derived through a consultation with us. Once you have arrived at the loan amount you need, you can then apply for your loan application online in a hassle-free manner.

Documents that you will need to prepare include: Personal Loan

Once you have submitted your application online, our financial specialists will then quickly process your personal loan application and assess your eligibility. Once your loan amount has been approved, you can then head down to our office located at 65 Ubi Crescent #03-03, Hola Centre 408559 to sign your loan contract and receive your funds via cheque or cash instantly. You can email any queries that you may have to or call us at (65) 6281 7736.


Personal Loan

What are licensed moneylenders?

Licensed moneylenders are principals or agents who are legal and authorised by the Ministry of Law to conduct the business of moneylending. These entities have to adhere to regulations stipulated by the Singapore government. They do not overcharge and resort to unscrupulous debt collections methods. You can find a full list of licensed moneylenders on the Ministry of Law’s website.

Moneylender Singapore

What should I consider before taking up a loan?

You should consider whether you are able to fulfill the contractual terms, taking into account your income and financial obligations. Be mindful of administrative fees, late payment fees and interest charges that are applicable and be acquainted with the terms and conditions in the contract, in particular the monthly instalment loan amount, interest rate charged and fees applicable.

Cash Loan

How much personal loan can I borrow?

Loan amount for Singapore Citizens and Permanent Residents (PR):

Personal LoanCapped at $3,000 for annual income less than $20,000,

Cash LoanCapped at 6 times your monthly income for annual income of $20,000 and above.

Loan amount for Foreigners residing in Singapore:

Licensed Moneylender SingaporeCapped at $500 for annual income less than $10,000,

Personal LoanCapped at $3,000 for annual income of at least $10,000 and less than $20,000,

Moneylender SingaporeCapped at 6 times your monthly income for annual income of $20,000 and above.

Cash Loan

What are the interest rates that licensed moneylenders can charge?

The maximum interest rate that is allowed to be charged on the outstanding loan amount is 4% per month. If your repayment is late, the maximum late interest rate that moneylenders can charge on the amount that is repaid late is capped at a maximum of 4% per month for each month the loan is repaid late.

Personal Loan

What are the fees that moneylenders can charge?

All moneylenders are only permitted to impose the following charges and expenses:

Cash Loana fee not exceeding $60 for each month of late repayment,

Licensed Moneylender Singaporea fee not exceeding 10% of the principal of the loan when a loan is granted, and

Personal Loanlegal costs ordered by the court for a successful claim by the moneylender for the recovery of the loan.

The total charges imposed by a moneylender on any loan, consisting of interest, late interest, upfront administrative and late fee also cannot exceed an amount equivalent to the principal of the loan.

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