Licensed Moneylenders Singapore - Instant & Easy Cash Approval

Money Lender Singapore

Horison Licensed Moneylender

Horison Licensed Moneylender

If your credit score isn’t something you’re proud of and fear rejection from traditional banks offering loans in Singapore, Horison can come to your rescue. As a licensed moneylender (License No. 105/2017), this group is known to offer fast cash in a responsible manner. This company is regulated by the Moneylenders Act, and its lending practices are in line with the government’s policies and regulations. Started in 2008, this group boasts of a diversified loan portfolio today. It offers personal loans, foreigner loans, business loans, and payday loans. You’ll also find a personable staff, ready to assist you at every step.

Location: 1 Park Road, #01-15 People’s Park Complex, Singapore 059108.

Working Hours: Mon-Fri: 11:00 a.m.-8:00 p.m. Sunday: 10:00 a.m.-7:00 p.m.

Holiday's: Saturday and public holidays

Credit 21 Pte Ltd Licensed Moneylender

Credit 21

Financial emergencies have a funny way of finding you. Sometimes, the best moments of your life come with uncertainties. For example, you may have landed your dream job in Japan but you don’t have the money to buy an expensive air ticket? A loan from this moneylender (License No. 51/2018) can rescue you from such stressful situations. If you choose this lender, you’ll enjoy a seamless experience right from the time you apply till the time the loan is approved. There is hardly any wait. As soon as you submit valid documents and the loan is approved, money will be disbursed on the spot. As a responsible lender, it encourages you to borrow an amount that you’re comfortable repaying. It also encourages you to keep an eye on your debt servicing ratio to ensure that your credit score doesn’t take a hit. Sit back and enjoy a hassle-free, online loan application process for fast cash, renovation loans, or foreigner loans.

Location: 10 Anson Road #01-07, International Plaza, Singapore 079903.

Working Hours: Mon-Sat: 11:00 a.m.-8:00 p.m. Sunday: 10:00 a.m.-7:00 p.m.

Holiday's: Closed on public holidays.

Katong Credit Pte Ltd Licensed Moneylender

Katong Credit

This licensed moneylender (License No. 39/2017) empathises with you and recognises your need for a personalised experience. It tries to cater to your diverse financial needs (wedding loan, renovation loan, expat loan, SME loan, payday loan, etc.) with a well-trained workforce. If you’re aged 21 years and above and can demonstrate your ability to repay the loan, you may apply. It’s services are available throughout the week, except on public holidays. Lending operations of this company are regulated by the Registry of Moneylenders.

Location: 304, Orchard Road, #02-30/31, Lucky Plaza, Singapore 238863.

Working Hours: Mon-Sat: 11:00 a.m.-8:00 p.m. Sunday: 9:00 a.m.-6:00 p.m.

Holiday's: Closed on public holidays.

U-Credit Pte Ltd Licensed Moneylender


Planning to start a business and actually starting a business are not the same. The question of funding isn’t always easily settled. But, if you have confidence in your business plan and selling proposition, you needn’t wait for an angel investor/venture capitalist to come on board first. Simply apply for a loan from this company (License No. 183/2017) and embark on your entrepreneurial adventure today. This lender claims to offer affordable interest rates to its wide pool of clients — individuals and small businesses. Its range of loans include personal loans, payday loans, renovation loans, business loans, and vacation loans. It also promises a fully customised loan repayment process. It operates throughout the week and is closed only on public holidays.

Location: #01-19 The Bencoolen, 180 Bencoolen Street, Singapore 189646

Working Hours: Mon-Sat: 11:00 a.m.-8:00 p.m. Sunday: 9:00 a.m.-6:00 p.m.

Holiday's: Closed on public holidays.

CreditMaster Pte Ltd Licensed Moneylender

Credit Master

If your need is immediate and for a genuine cause which doesn’t involve speculative trading or gambling among other things. You may approach this lender (License No. 44/2018), registered with the Ministry of Law, for foreigner loans, personal loans, business loans, or payday loans. It boasts of strong research-and-development activities and client-focused services that make your experience smooth and devoid of complications. You may receive a call from the loan officers of the company within an hour after you have submitted an online application for a loan. A final agreement can be reached through a face-to-face meeting. You may send your documents via email or fax. If you’re aged 21 years or above, aren’t an undischarged bankrupt, and can provide evidence of a cashflow that’s good enough to pay for the loan, you may apply.

Location: 1 Park Road, People’s Park Complex #01-50, Singapore 059108.

Working Hours: Mon-Sat: 11:00 a.m.-8:00 p.m. Sunday: 10:00 a.m.-7:00 p.m.

Holiday's: Closed on public holidays.

SE Investment Licensed Moneylender


Red tapism and delayed response to your queries can often make your life miserable when dealing with mainstream lenders. If prompt action and complete attention to details are the qualities that you desire in your lender, you may want to consider a personal loan from this company (License No. 164/2017), registered with the Ministry of Law. Apart from a package that is tailored to your specific needs, you may also seek guidance and advisory to improve your debt situation. Bad credit history or irregular income may not be the biggest deterrents to getting a loan from this lender, as long as you have a smart strategy that demonstrates your willingness to repay the loan on time. A flexible repayment structure means the lender can easily customise the payment plan for you. You may also ask for a FREE quote. A standout feature of loans from this lender is that you won’t be charged a cancellation fee or higher rates of interest of you decide to terminate the loan after approval.

Location: 135 Jurong Gateway Road #01-335, Singapore 600135.

Working Hours: Mon-Sat: 11:00 a.m.-8:00 p.m. Sunday: 9:00 a.m.-6:00 p.m.

Holiday's: Closed on public holidays.

AP Credit Licensed Moneylender


An expenditure or an investment can realise its value only when it addresses the question of immediacy. If you want to gift your wife an expensive piece of jewellery on your wedding anniversary, it would only mean something if the gift is bought and handed over to your wife before or on the day of the event. The same holds true for business expansions or medical expenses. For fast cash, you can get into a non-obligatory discussion with this lender (License No. 31/2018) anytime you want. Customisable and innovative lending solutions are offered under the following categories:

  • Payday loans
  • Fast cash loans
  • Foreigner loans
  • Personal loans
  • Business loans
  • Education loans

In addition to a flexible repayment structure and assured confidentiality of your personal information, you’ll enjoy a simplified application process and quick approval. If needed, you may also ask for financial guidance and a structured loan plan from experienced loan administrators in the company. The services of this company are available from Monday to Saturday.

Location: 10 Anson Road, #01-38A, International Plaza, Singapore 079903

Working Hours: Mon-Sat: 11:00 a.m.-8:00 p.m.

Holiday's: Closed on Sunday and public holidays.

Credit Matters Pte Ltd Licensed Moneylender

Credit Matters

In an industry often identified with fraud, this company (License No. 91/2017) stands out. It is known for a strong ethical approach to its business and customers. Authorised by the Ministry of Law to conduct its business, it is also known for speed and efficiency. You may also enjoy competitive interest rates if you apply for a loan now. Its portfolio consists of products such as business loans, emergency loans, payday loans, foreigner loans, renovation loans, and personal loans. As soon as the supporting documents are furnished and the loan agreement is signed, you’ll get your cash on the spot. This lender offers its services from Monday to Saturday. The MRT station closest to this company is Chinatown.

Location: Park Road, #01-23 People’s Park Complex, Singapore 059108.

Working Hours: Mon-Sat: 11:00 a.m.-8:00 p.m

Holiday's: Closed on Sunday and public holidays.

GM Creditz Licensed Moneylender


Bought a new car? Whether you want to retrofit your car with cool accessories or buy an expensive COE, if you think that such a cost can put a strain on your financial reserves, you may want to consider the option of applying for a loan from this licensed lender. Loans from this lender (License No. 88/2018) can also salvage you from other imminent financial exigencies. has rated this company as one of the best moneylenders in the country — a proof of the value it offers to its customers. You can expect reasonable rates and charges to apply on your borrowing. It also has a high approval rate and a transparent process of approval. No guarantor is required. Some of the products available include foreigner loans, personal loans, bridging loans, and payday loans. You may apply if you’re aged 18 years or above and earn a minimum of S$1,500 a month (Singaporean citizen/PR) or S$2,000  a month (foreigner).

Location: 111 North Bridge Road #01-35, Peninsula Plaza Singapore, 179098

Working Hours: Mon-Fri: 11:00 a.m.-9:00 p.m Sat-Sun:11:00 a.m.-6:00 p.m

Holiday's: Closed on public holidays.

Bliss Credit Pte Ltd Licensed Moneylender

Bliss Credit

If money were no object, you would have probably wanted to holiday in the moon! Unfortunately, it is. A loan from this lender (License No. 152/2017) may, however, be enough to get you to any place here on earth. The experienced financial consultants from this company are always available to solicit advice before you apply and through the tenure of the loan. You may fill up the online application form, stop by the lender’s office, or call in order to enquire about its loan portfolio and get a quote. You may contact the lender from Monday to Saturday during the working hours.

The loan amount would be decided by your annual income. Technically, you can receive a loan of up to any amount provided your annual income meets the eligibility requirements. You would be charged a maximum interest rate of 4% p.a., irrespective of your income.

Location: 11 Collyer Quay #03-24, 049317

Working Hours: Mon-Fri: 11:00 a.m.-7:30 p.m Sat: 10:00 a.m.-2:00 p.m

Holiday's: Closed on public holidays.

Setting aside a part of your monthly income is a good way to save for the future. But even the most meticulous saver may need additional funds at times. In times like these, taking a loan such as a personal loan from a bank can help you get cash immediately. In some cases, you may not get the loan you want. Some reasons why banks may reject your loan application include:

  • Not having the necessary documents.
  • Not providing adequate collateral as required by the bank.
  • If you don’t fulfil the minimum income requirement.
  • Not having a good credit score.

In such instances, borrowing from moneylenders is a good option. There are many moneylenders in Singapore who offer loans with attractive interest rates. That doesn’t mean you should automatically choose the lender that offers the lowest rate.

How to Choose a Moneylender in Singapore

Ensure That the Moneylender Is Credible

This point cannot be stressed enough. Before applying for your loan, make sure that the moneylender is registered with the Registry of Moneylenders under the Ministry of Law in Singapore and has a valid license to lend money. You can find the list of all the approved institutions here. Moneylenders who have a proven track record of providing professional and satisfactory services are more likely to be better options. Remember that taking money from an unlicensed moneylender could lead to disastrous consequences.

Understand What You Are Borrowing From the Moneylender

It is very important to take a close look at all the options provided by various moneylenders. Most moneylenders offer the following products:

  • Personal loans for those who want to borrow money for personal reasons.
  • For foreigners, there are foreigner loans.
  • Business loans to help finance companies and startups.
  • Payday loans that need to be repaid when you get your salary.

Each type of loan has its own set of terms and conditions, benefits, and advantages. Read through the website of every moneylender thoroughly and understand the details of the products they offer. Find the type of loan that suits your needs and compare all the options available to you. Ask the moneylenders for rates and charges for late payment, extension period for late payment, exact interest rate applicable to your loan, and any other fees or interest associated with the loan. Understand each of the terms and conditions. Clarify any questions you have directly with the moneylender. It is vital to know exactly on what terms you are borrowing.

Know Government Regulations Regarding Moneylenders

The Ministry of Law in Singapore regulates the operations of moneylenders in Singapore. There are various restrictions such as the maximum amount you can borrow, interest rates that they can charge, and maximum fees applicable. Being clear about these rules will help you be aware of how much your moneylender is charging you. You can find all the information regarding government restrictions by clicking here.

Pros and Cons of Borrowing From Moneylenders


Immediate cash.

Faster loan approval.

Loans may be granted even if you have bad credit history.

Your personal information remains safe with licensed moneylenders.


High interest rates.

High fees and charges for late payment.

Some moneylenders (mostly unlicensed lenders) may harass you via SMS, phone calls, approaching your employer, and house visits in case of non-payment.

Points to Keep in Mind : All said and done, moneylenders are known for charging extremely high interest rates on the loans they provide. Apply for a loan from such lenders only if you have no other option. If you fail to make the payments on time, you may end up paying more in interest and charges than the amount you originally borrowed. If you are sure of paying your dues on time without default, these loans are a good option. Assess your needs and ensure that you don’t borrow more than you need. Make sure that you have the financial bandwidth to accommodate the monthly repayment amounts.

*This article is for general information purposes only and is not a sponsored content. BankBazaar does not guarantee the authenticity of the information provided in the article. Readers are requested to verify the information before taking any decision. All logos and service marks are trademarks™ or registered® marks of their respective owners. BankBazaar does not claim any right over the such intellectual properties used herein
This Page is BLOCKED as it is using Iframes.