singa credit pte ltd

sINGA CREDIT (130/2018)


  • Lowest interest rates at 1% only
  • Approval process less than 15 minutes
  • Just 1 minute walk from Bugis MRT
  • Very flexible repayment schemes
  • Fastest Grab and Gojek Loan, have own calculator for Grab and Gojek based on their income
  • Relatively easy to extend repayment period


Based on our review, Singa Credit is one of the best licensed money lenders out there mainly due to their low interest rates at 1%. It is the lowest in Singapore. 

Singa Credit is also famous for its 15 minutes fast loan approval time. They also have the tablets to fill up your application form!

During our visit to their office, we saw that the loan officers were very friendly and polite towards each customer. They have a number of long-term customers who gave them very positive reviews.

The terms and conditions stated on their loans were also generally favorable towards the borrowers. With this, we sincerely believe that Singa Credit is truly a hidden gem to be discovered. We are giving them 5 stars based on all these factors. (P.S. We saw a lenglui loan officer there!)

Get offered with loans as low as 1%

(Singapore residents & PR only)

Emvertex credit licensed money lender


  • 200 Jln Sultan, #02-33 Textile Center, Singapore 199018
  • ​1800 ​6291 6868
  • Mon-Sat (11:00am-7:00pm), Sun (9:30am-2:30am)
  • http://emvertexcredit.com/


  • Long loan tenures of up to 3 years
  • Offers customized Equated Monthly Installment options
  • Approved by Insolvency and Public Trustee’s Office
  • Wealth management advise offered upon request
  • Professional team of staff


If you are looking for a highly-customized loan, EMVertex Credit is your go-to choice. This money lender is able to give out loans that specifically cater to your needs.

A member from our LoanGuide.sg team got a 2-year repayment scheme from them which is much higher than the industry average of just ;5 months! EMVertex Credit also offers advice on wealth management. Based on our observation, they are fairly professional at this service. 

With this, we are giving EMVertex Credit 4.5 stars mainly due to their long loan tenures and wealth advisory service.

cash mart singapore licensed money lender

cash mart (157/2018)

  • 277, Balestier Road, Singapore 329726
  • +65 6397 4111
  • Mon-Fri (11am-8pm), Sat (11am-6pm), Sundays closed
  • https://cashmart.sg/


  • Established for 50 years (since 1969)
  • Well-established loan schemes
  • Competitive interest rates
  • Offers loans even for bad credit borrowers


Cash Mart had been in the money lending industry for the past 50 years and this signals a high level of trust for the potential borrowers. With five decades of fine-tuning their loan schemes, Cash Mart is able to give out loans with good terms. With this, their interest rates are also very competitive among their peers in Singapore.

What makes Cash Mart stand out is their ability to lend out car loans for people with bad credit. The same goes to other loans as well.

Get offered with loans as low as 1%

(Singapore residents & PR only)

credit 21 licensed money lender

credit 21 (38/2019)

  • 10 Anson Road #01-07, International Plaza, Singapore 079903
  • +65 6221-1811
  • Mon-Sat (11:00am-8:00pm), Sunday (10:00am-7:00pm)
  • https://www.credit21.com.sg/


  • One of the most established lenders in Singapore
  • Well-trained loan officers
  • Easy accessibility
  • Offers all kinds of loans to borrowers


Credit 21 is a very old and well-known licensed money lender in Singapore. It is just 2 minutes walk away from Tanjong Pagar MRT, making it highly accessible. With decades of experience serving their customers, they have established excellent SOPs to serve borrowers to their best interests.

With huge amounts of capital, Credit 21 is able to offer various loans including personal loans, weight loss loans, plastic surgery loans, business loans and more. It is definitely worth a visit to their office. 

valuemax credit licensed money lender


  • 261 Waterloo St, #01-31 Waterloo Centre, Singapore 180261
  • 1800 363 3333
  • Mon-Sun (8:30am-8:00pm), Closed on Saturdays
  • https://www.valuemax.com.sg


  • Public listed company
  • Offers various types of loans including mortgage loans
  • Does not impose lockout or defeasance


ValueMax Credit is part of ValueMax Group, a public listed company. Therefore, it is fairly safe to say that it's reliable and trusted as public listed companies need to maintain a good image.

This licensed money lender is unique as it offers mortgage loans in addition to personal, car and business loans. It makes ValueMax Credit stand out from the rest. However, it is important to note that their mortgage loans are only for first homes and non HDB / JTC Properties.

Unlike other lenders, ValueMax Credit does not enforce any lockout periods meaning you could pre-pay your loans if you have the funds without any penalties. This is a huge advantage for borrowers looking to repay debts early.

Along with their good customer service and professional SOP, we are giving ValueMax Credit 4 stars. 

1st credit licensed money lender

1st credit sg (112/2019)

  • 149, Rochor Road, #01-07, Fu Lu Shou Complex, Singapore 188425
  • +65 6266 5422
  • Mon-Fri (11:00am-8:00pm), Sat-Sun (12:00pm-5:00pm)
  • https://www.moneylenderhub.com/


  • Generally gives huge loan amounts
  • Interest rates are fairly low
  • Good brand name
  • Member of Credit Association of Singapore


1st Credit SG Pte Ltd is famed for its generous loan amounts. It has a good brand name around Bugis area due to its customer service and its long-established pool of loyal customers. With that, their interest rates are also quite low compared other licensed money lenders. 

Being a member of the Credit Association of Singapore also allows follow the best practices in the industry and stay updated with the latest market developments.

To get there, get to Bugis MRT and walk for 3 minutes towards Fu Lu Shou Complex. You could cut through Bugis Street to get there as it is much faster.

credit excel capital money lender

credit excel capital (98/2018)

  • 192, Waterloo Street, #6F-03-05, Sky Line Building, Singapore 187966
  • +65 6337 0055
  • Mon-Sat (11:00am-8:00pm), Closed on Sundays
  • https://quickmoney.sg/


  • One of the biggest licensed money lender in Singapore 
  • Offers many different types of loans
  • Flexible loan repayments


As we all know, Credit Excel Capital is undoubtedly one of the biggest licensed money lenders in the country. It has huge cash flows and therefore is able to offer various kinds of loans to borrowers including SME business loans. They have very proper SOPs to service their customers. 

Credit Excel Capital is also able to offer fairly flexible loans for their borrowers and thus it would be especially suitable for people who would like longer loan tenures.

u-credit money lender

U-credit (163/2018)

  • 180, Bencoolen Street, #01-19, The Bencoolen, Singapore 189646
  • +65 6337 1768
  • Mon-Sat (11:00am-8:00pm), Sunday (9:00am-6:00pm)
  • https://uc​​redit.sg/


  • Open for long hours on Sundays
  • Relatively long loan tenures
  • Tailor-made repayment plans
  • Very polite loan officers


U-Credit is well-known for its long opening hours on Sundays. It is open from 9am to 6pm each Sunday, making it suitable for borrowers with full-time jobs. This licensed money lender also offers very personalized repayment plans for its customers along with a relatively long loan period. 

U-Credit is only a 5-minute walk from Rochor MRT, making it very accessible for people without their own vehicles. 

credit hub capital

credit hub capital (120/2018)

  • 190 Middle Road, #10-01A, Fortune Centre, Singapore 188979
  • +65 6338 5115
  • Mon-Fri (11:00am-8:00pm), Sat (9:00am-4:00pm)
  • https://credithubcapital.sg


  • Loan tenures are generally longer than others
  • Offers loan at 1% (T&C apply)
  • Interest rebate for early repayment


Based on our research, Credit Hub Capital offers loans with longer-than average tenures. Apart from their attractive 1% loan offer, Credit Hub Capital is a good choice when you are considering for licensed money lenders. However, you would have to fulfill certain terms and conditions. They also offer interest rebates for early repayments. 

It is highly advisable to call and make an appointment with them before you go to their office to avoid any disappointments. This is because Credit Hub Capital usually serve customers on appointment basis only.

qv credit singapore money lender

QV credit (120/2018)

  • 175A Bencoolen Street, #11-08 Burlington Square, Singapore 189650
  • +65 6100 8655
  • Mon-Fri (11:00am-8:00pm), Sat (11:00am-4:00pm)
  • https://qvcredit.sg/


  • Long brand name in Bugis
  • Very fast online response
  • No early redemption fees


QV Credit is a relatively old brand name in Bugis area. It is best known for its swift online response time. In other words, they would call you up in just a matter of minutes after you make your online application.

Furthermore, QV Credit does not charge any forms of early redemption fees, making it a good choice for people who expect to make early payments. They focus primarily on appointments so it would be a good idea to call them beforehand. 

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