List of Licensed Money Lender in Singapore

This blog post consist of the complete list of 156 licensed money lender / credit companies operating in Singapore that’s verified by the Ministry of Law (Updated on 1st Sep 2020).

Last updated:
19 August 2020, UEN number in Licenced Moneylender List.

We provide urgent loans for your financial needs from home renovation, to having a loved one in need. We do not discriminate, we understand having monetary needs is unavoidable.
We are here to help you through with it, best we can.

Why Lend With I-credit?

  • Less than < 1 Minute Inquiry Process
  • We get back to you in one (1) business day
  • Open to student, unemployed / no income, ex-bankrupt, bad credit & NSF who is above 21 years old.

Our Operating Hours:

Monday to Friday:
11 am – 8 pm.
Saturday to Sunday:
11 am – 4 pm.
Open on some
Public Holidays.

Phone no:
+65 6222 5222

82 Lorong 23 Geylang
#05-02 Atrix Singapore,
Singapore 388409

Walking Distance: 
1 min from Aljunied MRT.

Note: We are referring to Singapore currency in all our web pages in

Simply use the “Search:” function and type in the area or even the registered company name of the licensed money lender in Singapore. We hope this post has helped you.

For a list of licensed moneylenders that’s open on Sunday, click here.

Please do your due diligence when engaging licensed moneylenders in Singapore.

List of Licensed Money Lender (Updated on 1st Sept 2020)

S/No.Business NameBusiness AddressLicense No.Landline NumberWebsite URL
11 2 Lend Pte. Ltd. (UEN: 201842410H)1, Park Road, #01-83/84, People’s Park Complex,
72/20206493 0160
2101 Credit Pte. Ltd. (UEN: 201016188D)101, Upper Cross Street, #01-24, People’s Park Centre,
29/20206238 1018N.A
31133 Moneylenders Pte. Ltd. (UEN: 201615079M)262, Balestier Road, #01-02, Okio,
119/20206556 1133 (website not working)
41AP Capital Pte. Ltd. (UEN: 201828743E)10, Anson Road, #01-38A, International Plaza, S(079903)41/20206533 5335
51st Capital Pte. Ltd. (UEN: 201533416C)304, Orchard Road, #04-1A/2, Lucky Plaza,
04/20206734 7700
61st Credit SG Pte. Ltd. (UEN: 201626537G)149, Rochor Road,
#01-07, Fu Lu Shou Complex, S(188425)
103/20206266 5422
71st LG Credit Pte. Ltd. (UEN: 201633653M)16, Kerbau Road,
#02-01, S(219155)
75/20206299 6654
8365 Credit Solutions Pte Ltd (UEN: 201331426N)14, Scotts Road, #03-64, Far East Plaza, S(228213)12/20206222 5500
996BM Credit Pte. Ltd. (UEN: 201832532M)302, Ubi Avenue 1,
#01-31, S(400302)
53/20206293 5851N.A
10A1 Credit SG PTE. LTD. (UEN: 201837239G)2, Havelock Road, #02-08, Havelock2, S(059763)23/20206336 0833
11ABI Credit Pte. Ltd. (UEN: 201024443G)185, Toa Payoh Central, #01-320, S(310185)16/20206337 9719 (website not working)
12ABK Leasing Pte. Ltd. (UEN: 201904544H)13, North Bridge Road, #01-3984, Golden Beach Vista,
70/20206224 2224N.A
13ABM Creditz Singapore Pte. Ltd. (UEN: 201836367C)1, Park Road, #01-12, People’s Park Complex,
71/20206737 3392
14Accredit Pte. Limited (UEN: 201842153H)I: 503, Tampines Central 1, #01-315,
Singapore 520503

II: 1187, Upper Serangoon Road, #01-15, The Midtown, Singapore 533971

III: 18, Jalan Membina, #01-04, Tiong Bahru Court, Singapore 164018

IV: 743, Yishun Avenue 5, #01-548, Nee Soon Central Spring,
50/20206219 2662
15Advance Cash Credit Pte. Ltd. (UEN: 201000289M)304, Orchard Road, #04-12/13, Lucky Plaza,
80/20206250 0848
16Aero Credit Pte. Ltd. (UEN: 201020264H)810, Geylang Road, #02-15, City Plaza, S(409286)86/20206841 4355
17AK Credit Corporation Pte. Ltd. (UEN: 201008534H)2, Havelock Road, #01-16, Havelock2, S(059763)155/20196535 9989
18AKB Credit Pte. Ltd. (UEN: 201901004R)69 Jalan Besar,
69/20206238 6116
19Alles Autos Credit Pte. Ltd. (UEN: 201000501G)133, New Bridge Road, #01-34, Chinatown Point, S(059413)116/20206533 0300
20Alpha 8 Pte. Ltd. (UEN: 201900873N)449, Clementi Avenue 3, #01-265,
52/20206733 3081
21Andal Enterprise Pte. Ltd. (UEN: 201902579H)50, Tagore Lane, #04-11A2, Entrepreneur Centre, S(787494)55/20206970 5602N.A
22AR Creditz Pte. Ltd. (UEN: 201716120E)2, Havelock Road,
#01-21, Havelock2, S(059763)
107/20206463 3302N.A
23Art Credit Pte. Ltd. (UEN: 201900777D)238A, Serangoon Road, #02, S(218085)54/20206292 2448N.A
24Avis Credit (SG) Pte. Ltd. (UEN: 201901482N)185, Toa Payoh Central, #01-344, S(310185)42/20206883 2017
25Ban King Credit (S) Pte. Ltd. (UEN: 201500101G)705, Ang Mo Kio Avenue 8, #01-2563,
76/20206743 7701
26Best Credit SG Pte. Ltd. (UEN: 201605730G)372, Bukit Batok Street 31, #01-374, (level 2),
137/20196272 5538
27Bliss Credit Pte. Ltd. (UEN: 201017475W)11, Collyer Quay,
#03-24, The Arcade, S(049317)
148/20196327 1334
28BST Credit Pte. Ltd. (UEN: 201006410M)131, Jurong Gateway Road, #01-251,
149/20196299 1782
29BTB Creditz Pte. Ltd. (UEN: 201633307H)810, Geylang Road, #01-05/14, City Plaza,
101/20206748 7875
30Bugis Credit Pte. Ltd. (UEN: 200719270G)470, North Bridge Road, #02-12, Bugis CUBE, S(188735)30/20206345 9123
31Capital Funds Investments Pte. Ltd. (UEN: 201837323D)65, Ubi Crescent, #06-07, Hola Centre, S(408559)165/20196281 7736
32Cash Check Singapore Pte. Ltd. (UEN: 201508440C)726, Ang Mo Kio Avenue 6, #01-4166,
120/20206538 1742
33Cash Direct Pte. Ltd. (UEN: 201725299H)1187, Upper Serangoon Road, #01-16,
The Midtown, S(533971)
93/20206635 1300
34Cash Mart Pte. Ltd. (UEN: 201423869N)277, Balestier Road, S(329726)182/20196397 4111
35Cashmax Credit Pte. Ltd. (UEN: 201017718W)810, Geylang Road, #01-56, City Plaza,
74/20206221 5480
36Crawfort Pte. Ltd. (UEN: 201406595W)1, North Bridge Road, #01-35, High Street Centre,
87/20206291 1232
37Credit 21 Pte. Ltd. (UEN: 200513745K)10, Anson Road, #01-07, International Plaza, S(079903)57/20206221 1811
38Credit 89 (SG) Pte. Ltd (UEN: 201833610R)200, Jalan Sultan, #04-21B, Textile Centre,
179/20196398 0909N.A
39Credit Assist Pte. Ltd. (UEN: 201020107K)101, Upper Cross Street, #01-15, People’s Park Centre,
24/20206567 8869N.A
40Credit Culture Pte. Ltd. (UEN: 201607224W)31A, Keong Saik Road,
S(089138 )
68/20206921 7300
41Credit Empire Enterprise Pte. Ltd. (UEN: 201718062R)1, Park Road,
#01-16, People’s Park Complex, S(059108)
27/20206733 7018
42Credit Excel Capital Pte. Ltd. (UEN: 201315828D)192, Waterloo Street, #6F-03-05, Sky Line Building, S(187966)114/20206337 0055
(Website not working)
43Credit Hub Capital Pte. Ltd. (UEN: 201004091N)190, Middle Road, #10-01A, Fortune Centre, S(188979)139/20196338 5115
44Credit King Pte. Ltd. (UEN: 200922584W)101, Upper Cross Street, #01-27, (Part)& #B1-49 People’s Park Centre, S(058357)39/20206222 1788N.A
45Credit Matters Pte. Ltd. (UEN: 200817218H)801, Geylang Road, #02-01, S(389681)84/20206636 3233
46Credit Thirty3 Pte. Ltd. (UEN: 201022375Z)304, Orchard Road, #02-88, Lucky Plaza, S(238863)01/20206292 2931
47Credit Xtra Pte. Ltd. (UEN: 200923548G)101, Upper Cross Street, #B1-69, People’s Park Centre, S(058357)98/20206338 8829
48Creditmaster Pte. Ltd. (UEN: 201026950M)1, Park Road, #01-50, People’s Park Complex,
37/20206748 1338
49DIO Credit Pte Ltd (UEN: 201320759N)810, Geylang Road, #01-115/6, City Plaza, S(409286)150/20196396 6215
50Elite Investment & Credit Pte. Ltd. (UEN: 201010681C)799, Geylang Road, #01-01, S(389680)81/20206790 7161
51Empire Global Pte. Ltd. (UEN: 200515655C)513, Bishan Street 13, #01-514, S(570513)36/20206259 1883
52Emvertex Credit (SG) Pte. Ltd. (UEN: 201615635E)200, Jalan Sultan, #02-33, Textile Centre,
151/20196291 6868
53Excel Credit (Pte.) Ltd. (UEN: 201006293W)Blk 449, Clementi Avenue 3, #01-241, (Plot B), S(120449)03/20206220 2937
54EZ Loan Pte. Ltd. (UEN: 201715594Z)I: 3, Beach Road, #01-4853, Beach Road Gardens, S(190003)

II: 1, Tanjong Pagar Plaza, #02-49, S(082001)
21/20206222 2529
55EZ Pte. Ltd. (UEN: 201729436N)765, Geylang Road, S(389663)18/20206440 0822
56Fast Money Pte. Ltd. (UEN: 201418552E)I: 101, Yishun Avenue 5, #01-39, S(760101)

II: 505, Tampines Central 1, #01-341, S(520505)
143/20196224 4749
57Fong Chin Capital Pte. Ltd. (UEN: 200923316W)129, Bedok North Street 2, #01-42, S(460129)108/20206445 5022 (website not working)
58Fortune Credit Pte. Ltd. (UEN: 201023269M)470, North Bridge Road, #02-01A,
Bugis Cube, S(188735)
33/20206777 1887
59Gain Credit Pte. Ltd. (UEN: 201617972Z)807, Yishun Ring Road, #01-4197, S(760807)172/20196438 0113
60Galaxy Credit and Investments Pte. Ltd. (UEN: 201020194M)709, Ang Mo Kio Avenue 8, #01-2595,
181/20196438 2322
61GM Creditz Pte. Ltd. (UEN: 201510503E)111, North Bridge Road, #01-41, Peninsula Plaza, S(179098)102/20206588 1886
62Gold Allianze Capital Private Limited (UEN: 200910279E)1, Rochor Canal Road, #01-03, Sim Lim Square, S(188504)43/20206338 6956
63Golden Credit (S) Pte. Ltd. (UEN: 201003296C)101, Upper Cross Street, #01-05F, People’s Park Centre, S(058357)38/20206224 1300
64Goldstar Credit Pte. Ltd. (UEN: 201003296C)i: 183, Toa Payoh Central, #01-254, S(310183)

ii: 1187, Upper Serangoon Road #01-21, The Midtown,
144/20196384 0088
65GS Credit Pte. Ltd. (UEN: 200922900K)1, Gateway Drive, #06-08, Westgate, S(608531)109/20206563 0321 (website not working)
66GT Credit Pte. Ltd. (UEN: 201720234R)178, Toa Payoh Central, #01-202, S(310178)15/20206742 8154 (website not working)
67GV Credit Pte. Ltd. (UEN: 199905673G)101, Joo Chiat Road, GV Building, S(427395)110/20206345 0233N.A
68Happy Cash Pte. Ltd. (UEN: 201222625G)465, North Bridge Road, #01-5083, S(191465)20/20206291 4312
69Hersing Credit Pte Ltd (UEN: 199907834H)21, Tampines Street 92, #05-00, H C Design Centre, S(528891)122/20206272 2000N.A
70HHL Credit Pte. Ltd. (UEN: 201718868W)1, Rochor Canal Road, #01-04, Sim Lim Square, S(188504)13/20206732 1998
71HMS Credit Pte Ltd (UEN: 201703408D)1, Sophia Road,
#03-39, Peace Centre,
89/20206333 9061
72Horison Credit Pte. Ltd. (UEN: 201805645G)1, Park Road, #01-15, People’s Park Complex, S(059108)07/20206844 2902>
73HS Credit Pte. Ltd. (UEN: 201901361D)3, Coleman Street, #04-32, Peninsula Shopping Complex, S(179804)51/20206337 7782N.A
74Hup Hoe Credit Pte. Ltd. (UEN: 201416734W)1, Rochor Canal Road, #01-01, Sim Lim Square, S(188504)105/20206254 9441
75I-Credit Pte. Ltd. (UEN: 200907915D)82, Lorong 23 Geylang, #05-02, Atrix,
106/20206222 5222
76IFS Consumer Services Pte. Ltd. (UEN: 201842165D)10, Eunos Road 8, #09-04, Singapore Post Centre, S(408600)85/20206303 0306
77Ignis Montis Pte. Ltd. (UEN: 201919191C)184, Toa Payoh Central, #01-352,
65/2020+65 6977 7272
78IP Credit Pte. Ltd. (UEN: 201703742M)185, Toa Payoh Central, #01-332, S(310185)82/20206222 8993
79JD Credit Pte. Ltd. (UEN: 201016735N)531, Upper Cross Street, #01-38, Hong Lim Complex, S(050531)44/20206292 7717
80Jefflee Credit Pte. Ltd. (UEN: 201010579C)131, Jurong Gateway Road, #01-261,
115/20206515 5969
81JML Credit Pte. Ltd. (UEN: 201900883G)756, Upper Serangoon Road, #04-13, Upper Serangoon Shopping Centre, S(534626)45/20206282 1135N.A
82JNB Credit Pte. Ltd (UEN: 201835767D)175, Bencoolen Street, #01-25, Burlington Square, S(189649)40/20206554 1857N.A
83Jothi Moneylender Pte. Ltd. (UEN: 201840248M)5001, Beach Road,
#07-63, Golden Mile Complex, S(199588)
77/20206298 2511N.A
84JR Credit (S) Pte. Ltd. (UEN: 201023479N)304, Orchard Road, #02-14, Lucky Plaza, S(238863)34/20206737 3022
85Kaiiron Pte. Ltd. (UEN: 201432237H)111, North Bridge Road, #05-15A, Peninsula Plaza, S(179098)58/20206262 1813
86Karthik Money Lending Pte. Ltd. (UEN: 201839496M)238, Serangoon Road, S(218085)61/20206291 8194N.A
87Katong Credit Pte. Ltd. (UEN: 201024504C)304, Orchard Road, #02-30/31, Lucky Plaza, S(238863)10/202062912210
88KBB Credit SD Private Limited (UEN: 201813969E)111 North Bridge Road, #01-35, Peninsula Plaza, S(179098)145/20196255 6998
89Khalon & Gill Moneylenders Pte. Ltd. (UEN: 201725475H)1, North Bridge Road, #B1-25-A, High Street Centre, S(179094)152/20196392 1251N.A
90Kim Eng Finance (Singapore) Pte Ltd (UEN: 199900848K)50, North Canal Road, #03-01, S(059304)97/20206231 5113N.A
91KR RM Ramasamy Pte. Ltd. (UEN: 201012339N)238A, Serangoon Road,
92KST Credit Pte. Ltd. (UEN: 201735719W)220, Orchard Road, #01-01, Midpoint Orchard,
96/2020+65 6255 5225
93Lending Bee Pte. Ltd. (UEN: 201841732D)I. 14, Scotts Road, #02-44/45, Far East Plaza,

II: 190, Lorong 6 Toa Payoh, #01-548,

III: 213, Bedok North Street 1, #01-111,

IV: 135, Jurong Gateway Road, #01-335,
73/20206219 1611
94Lian Fong Capital Pte. Ltd. (UEN: 201901877N)96, Jalan Jurong Kechil,
147/20196468 3948N.A
95Magnus Credit Pte. Ltd. (UEN: 200915589D)301, Ubi Avenue 1,
25/20206338 9891
96Majestic Credit Pte. Ltd. (UEN: 201537019C)101, Upper Cross Street, #01-26B/G, People’s Park Centre,
05/2020+65 6777 2772
97Max Credit Pte. Ltd. (UEN: 201017718W)1, Sophia Road, #02-15, Peace Centre, S(228149)99/20206336 4144
98MM Credit Pte. Ltd. (UEN: 201330500C)217, Bedok North Street 1, #01-63, S(460217)09/20206226 2207
99Monetium Credit (S) Pte. Ltd. (UEN: 201326118D)10, Jalan Besar,
#01-01, Sim Lim Tower,
177/2019+65 6777 7775
100Moneyplus Capital Pte. Ltd. (UEN: 201403813H)371, Beach Road,
#01-03, City Gate,
17/20206591 8860
101Motor-Way Credit Pte Ltd (UEN: 199206992R)1094, Lower Delta Road, Motorway Building,
121/20206466 2200N.A
102MWA Capital Pte. Ltd. (UEN: 200910117M)3, Phillip Street, #13-01, Royal Group Building, S(048693)141/20196557 2275
103New ERA Credit (S) Pte. Ltd. (UEN: 53147543C)50, East Coast Road, #02-58, Roxy Square,
90/20206345 8801N.A
104Oasis Credit Services Pte. Ltd. (UEN: 201900851G)442, Clementi Avenue 3, #01-87,
66/20206777 1121
105On Line Credit Pte Ltd (UEN: 199804893C)Blk 210, New Upper Changi Road, #01-731, (Half portion only),
11/20206445 9166
106Orange Credit Pte. Ltd. (UEN: 201025574G)810, Geylang Road, #01-91, City Plaza,
79/20206748 2320
107OT Credit Pte. Ltd. (UEN: 201719203R)135, Jurong Gateway Road, #01-323,
104/20206292 0119
108Periakaruppan Chettiar Pte. Ltd. (UEN: 201900854Z)77, High Street,
#09-15, High Street Plaza, S(179433)
60/20206681 6494 (website not working)
109Phillip Credit Pte. Ltd. (UEN: 198305883C)250, North Bridge Road, #06-00, Raffles City Tower, S(179101)112/2020+65 6521 6858
110Pit-Stop Credit (SG) Pte. Ltd. (UEN: 201838305R)200, Jalan Sultan, #02-27A, Textile Centre,
62/20206297 1909
111Platinum Credit Pte. Ltd. (UEN: 201004415N)1, Coleman Street, #01-11, The Adelphi, S(179803)140/20196333 0888
112Power Credit Enterprise Pte. Ltd. (UEN: 201528280Z)1, Tras link, #01-11, Orchid Hotel, S(078867)169/20196286 5389
113PR Vita Capital Pte. Ltd.77, High Street, #09-15, High Street Plaza,
48/20206338 0807 (website not working)
114Prime Motor & Leasing Pte. Ltd. (UEN: 199304536R)61, Ubi Avenue 2, #01-03, Automobile Megamart, S(408898)124/20206741 9292N.A
115Prosper Credit Pte. Ltd. (UEN: 200922334E)186, Toa Payoh Central, #01-420, S(310186)95/20206226 2320N.A
116Qiannow Pte. Ltd. (UEN: 201842044M)60, Paya Lebar Road, #07-32, Paya Lebar Square, S(409051)88/20206387 8623
117Quick Credit Pte Ltd (UEN: 200210764E)2, Jurong East Street 21, #04-01A, IMM Building, S(609601)28/20206899 6188
118QuickLoan Pte. Ltd. (UEN: 201900866N)10, Anson Road, #01-15, International Plaza, S(079903)59/20206223 1788
119QV Credit Pte. Ltd. (UEN: 201025247W)175A, Bencoolen Street, #11-08, Burlington Square, S(189650)83/20206835 7775
120R2D Credit Pte. Ltd. (UEN: 200918183H)Blk 846, Yishun Ring Road, #01-3661, S(760846)14/20206635 1595
121Raffles Credit Pte. Ltd. (UEN: 201837245R)17A, Circular Road,
31/20206235 1788
122RJS Credit Pte. Ltd. (UEN: 201901557E)77, High Street, #04-06, High Street Plaza,
46/20206339 4022N.A
123RM Credit Pte. Ltd (UEN: 201711508D)2, Havelock Road, #01-17, Havelock2, S(059763)175/20196235 5335
124RM R Credit Pte. Ltd. (UEN: 201839693H)29A, Upper Dickson Road, S(207488)35/20206396 0676N.A
125S G Credit Pte. Ltd. (UEN: 200907259R)33D, Benoi Road,
#03-00, Pioneer Lot,
126S P Credit Pte. Ltd. (UEN: 201838673G)43A, Campbell Lane, #02-00,
67/20206291 6396N.A
127S.E. Investment Pte. Ltd. (UEN: 201320533N)100, Eunos Avenue 7, #03-25, San Teh Industrial Building,
160/20196569 3957N.A
128Sands Credit Pte. Ltd. (UEN: 201015313M)175, Bencoolen Street, #01-06, Burlington Square, S(189649)142/20196225 0268
129SGP Credit Singapore Pte. Ltd. (UEN: 201832538W)133, Jurong Gateway Road, #01-299,
08/20206466 1157
130Shanmugan Moneylender Pte. Ltd. (UEN: 201901434M)10, Jalan Besar, #13-05A, Sim Lim Tower, S(208787)63/20206297 8574N.A
131Sighappi Achi Moneylender (SG) Pte. Ltd.(UEN: 201841859Z)18, Howard Road,
#11M-02, Novelty Bizcentre, S(369585)
49/20206341 7450N.A
132Sincere Moneylender Pte. Ltd. (UEN: 201024477H)13, Jalan Besar, (level 1 only),
100/20206285 2261N.A
133Singa Credit Pte. Ltd. (UEN: 201526530G)470, North Bridge Road, #02-01, Bugis Cube, S(188735)146/20196694 6166
134SKM Credit Pte. Ltd. (UEN: 201020733M)185, Toa Payoh Central, #01-334, S(310185)22/20206336 5148
135SME Care Pte. Ltd. (UEN: 200924237R)5, Jalan Kilang Barat, #07-02, Petro Centre,
111/20206271 0023 (website not working)
136Soon Seng Credit Pte. Ltd. (UEN: 201901887G)1, Park Road,
#1-21, People’s Park Complex,
47/20206292 5693
137Su Credit Pte. Ltd. (UEN: 201415343E)175, Bencoolen Street, #01-36, Burlington Square, S(189649)118/20206636 5644
138Sumo Credit Pte. Ltd. (UEN: 201022083G)190, Middle Road, #02-06, Fortune Centre,
06/20206336 0766
139Swift Credit Pte. Ltd. (UEN: 201716124H)1, Sophia Road, #01-37,
Peace Centre,
171/20196383 0418
140Synergy Credit Pte. Ltd. (UEN: 200917823W)140, Upper Bukit Timah Road, #02-18, Beauty World Plaza,
178/20196466 0049
141Tan & Jiang Enterprise Pte. Ltd. (UEN: 201019328E)201D, Tampines Street 21, #03-1155, S(524201)19/20206786 6098N.A
142The Moneylenders Pte. Ltd. (UEN: 200704816D)7A, Tech Park Crescent, S(637839)123/20206862 8633N.A
143TKM Creditz Pte. Ltd. (UEN: 201838326M)43A, Campbell Lane, #02-00,
26/20206293 8523N.A
144Tradition Credit Co. Pte. Ltd. (UEN: 199400548H)810, Geylang Road, #01-81, City Plaza, S(409286)154/20196846 9108
145Trillion Credit Solutions Pte. Ltd. (UEN: 201020251D)I: 101, Upper Cross Street, #01-26/A, People’s Park Centre,

II: 304, Orchard Road, #02-12, S(238863)
176/20196509 0111
146Tur Mohar Money Lending Pte. Ltd. (UEN: 201900815Z)5001, Beach Road,
#07-39, Golden Mile Complex, S(199588)
56/20206294 2219N.A
147U Credit (Pte.) Ltd (UEN: 201009823E)180 Bencoolen Street, The Bencoolen, #01-19, S(189646)180/20196337 1768
148UK Credit (S) Pte. Ltd. (UEN: 201900474G)210, New Upper Changi Road, #01-723,
64/20206448 7448
149Unilink Credit Pte. Ltd. (UEN: 201017242W)35, Selegie Road, #10-27, Parklane Shopping Mall, S(188307)174/20196338 0690
150Uniqcash Pte. Ltd. (UEN: 201630958C)7A, Trengganu Street, S(058461)32/20206910 3483
151United Credit Pte. Ltd. (UEN: 201003759R)275, Thomson Road, #01-21, Novena Regency, S(307645)78/20206222 0227
152Unlimited Finance Pte. Ltd. (UEN: 200511454R)162, Bukit Merah Central, #01-3541, S(150162)173/20196299 4666
153Vera Capital Pte. Ltd. (UEN: 201103175N)302, Ubi Avenue 1, #01-33B,
117/20206741 1101
154VM Credit Pte. Ltd. (UEN: 198102801C)261, Waterloo Street, #01-31, Waterloo Centre, S(180261)113/20206481 1788
155Wah Leong Company (Private) Limited (UEN: 195400160G)339, Jalan Besar, S(208984)02/20206297 0433N.A
156Winz Credit Pte. Ltd. (UEN: 201318439W)I: 153, Serangoon North Avenue 1, #01-530,

II: Blk 124, Lorong 1 Toa Payoh, #01-467,
138/20196252 6696N.A

Guidelines Licensed Money Lenders Must Adhere to According to The Ministry of Law

Borrowers are protected in Singapore because the ministry of law has set strict jurisdictions and guidelines that money lenders must abide by. The licensed money lender guidelines were established in 2015 and any financial loaning company that doesn’t adhere to these rules will face the law.

It’s vital to know the laws that govern these establishments so you can avoid selecting a fraudulent money lender. Below are the guidelines that all licensed moneylenders must abide by;

Interest Rate on Loans

Interest rate on loans must never be higher than 4%. Therefore interest rates are determined according to the balance interest rates.

Compound Interest Rate

Licensed moneylenders are permitted to using compound interest for outstanding principle ONLY.

Laws on Administrative Fees

Licensed moneylenders in Singapore are only permitted to charge administrative fees on loans and it must never exceed 10% of the principal loan amount. The administrative fee is charged immediately once your loan has been approved and so there should be no extra charges afterwards.

Late Fee Payments

People who loan money in Singapore will still get charged for late fees but the loan amount is not allowed to exceed $60. Additionally, late interest on repayment fees will not exceed the four percentage rate.

Unpaid or Late Repayments

Borrowers will only be charged interest on late or unpaid repayments. There should be no interest charge on fees that have already been paid.

Total Fees Charged

The total amount charged for admin, interest rates and late repayments fees will not exceed the principal amount of the loan you’ve been approved for. Ensure that you read your loan application thoroughly to ensure the licensed moneylenders in Singapore are abiding by these regulations.

If you feel that the money lenders have not adhered to the mentioned guidelines, you have full rights to contact the Ministry of Law to report them.

How to Select the Best Personal Loan Moneylenders

It can be difficult selecting the best personal loan money lenders because there are many aspects you must consider first before signing up with a loaning company. Here are a few key features you must look at first before opting for a money lender.

Are They Accredited and Licensed?

You are at risk of being exploited if you’re working with unlicensed money lenders in Singapore. There’s also a potential risk of experiencing poor customer service from unlicensed moneylenders, which is frustrating and can result in financial struggles.

Reputable licensed moneylenders will prove the legitimacy of their business through being licensed whether it’s a PTE LTD or public business. Furthermore, a licensed moneylender has earned their permit by meeting the conditions set by the government for personal loan companies. Therefore you’ll be loaning legal money.

All the loan products that the licensed moneylenders offer must adhere to the legal Singapore guidelines. What’s more, if you are having problems with the lender you can contact the authorities because they have a comprehensive list of licensed moneylenders.

The accreditation is given to moneylenders from The Ministry of Law through the Registry of Moneylenders Singapore. These companies are qualified and recognised by the law so it’s imperative that you only take out personal loans with licensed moneylenders.

The Fees they Charge

All licensed moneylenders in Singapore will charge you for personal loan services. Before opting for a personal loan, check the fees the establishment charges. These lenders set their own amounts so you may want to compare prices of each money lending institute you’re researching. This is so you can select the services of a lender that offers the best pricing on the loan agreement.

All the fees and interest rate have to be stated on your loan application form.

Does The Licensed Moneylender Have an Excellent Reputation?

You don’t want to work with licensed moneylenders that has poor customer reviews. There is a reason clients aren’t happy with the services from some lenders. This could be because the business refuses to answer phone calls when there’s a need for assistance or they exploit their clients.

You can find out a lot about a loan company if you do extensive research online. To find the best one simply look for a registry of moneylenders in Singapore and see what people are saying about these establishments.

Although you may be in an emergency and you need fast cash, it’s important to find a lender who provides top-notch services to save you hassle & frustration.

Here are three aspects to research when looking at a money lender.

1. Experience

If you want excellent customer service then look at the lender’s experience in the industry. Moneylenders who’ve been in the industry for many years have perfected their workflow so that everything runs like clockwork.

Loan officers who’ve already been established won’t try to exploit you because they’ve already established themselves and so they want to protect their reputation. Not adhering to laws and taking advantage of clients can be detrimental to their business. Hence, you should opt for a loan officer who has been in the industry for many years.

2. Excellent Documentation

You must have extensive proof of all the information on the loan you’ve taken out. This means you must have a copyright document that you can keep in case you have a dispute with the lender.

Make sure the licensed moneylenders act and rules are stipulated in the document as well as the following:

  • Loan amounts
  • Payment schedule
  • Loan agreement
  • Loan tenures
  • Interest charge
  • Processing fees

The document that you sign will inform you of your responsibilities and what the lender promises to do for you. If you feel that the lender hasn’t abided by the signed documentation you can contact the national crime prevention council for assistance.

3. Flexibility in Payments Fees

As mentioned before, you should opt for licensed moneylenders in Singapore who is willing to be flexible on your repayment plans. For example, will they be willing to allow you to cease a repayment schedule for one month if you’re experiencing financial difficulties? Or will the company charge you for late payment?

Ensure that the money lending services allow exit fees. This is when you have all the money to pay off your loan with the company and you want to exit the contract by paying it in full.

Important Note

It should be noted that Singapore citizens have reported unlicensed moneylenders who are saying they’re accredited, only to swindle people into opening up loans with the business. These scammers offer loan requests via the following:

  • Text messages
  • Websites
  • An email account
  • Social media platforms that impersonate accredited money lenders

Scammers may also contact people via SMS or a phone call to suggest that they transfer money to pay off processing or GST fees before loans can be approved. These are scams and should be reported immediately. Take a look at the Police Advisory to find out if these establishments are licensed.

Furthermore, these scammers create false websites and social media accounts advertising that they’re licensed holders. These perpetrators will get people to send them personal data such as:

  • NRIC card number
  • Contact number
  • Personal address
  • Bank details

Even licensed moneylenders in Singapore are not entitled to your personal information via text, phone call or social media. All licensed moneylenders in Singapore must meet with borrowers on their business premises in order to approve loans using ID documents. You MUST visit the physical building so your credit score can be checked too. In Singapore, online loan application and credit reports are prohibited.

Final Thoughts

You can verify licensed lenders websites by going to Registry of Moneylenders. You should report any suspicious activity from potential unlicensed lenders to the police immediately. Call the X Ah long telephone number at 1800-924-5664 which is also used to report unlicensed lenders.

Most of licensed moneylenders FAQs can be found on

6 thoughts on “List of Licensed Money Lender in Singapore”

  1. SKM Credit Pte Ltd

    The list is good enough, but there are more licensed, reliable, reputed moneylenders in Singapore.

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