Quick answer: When unexpected bills or business gaps hit, these 12 licensed money lenders can get you funds fast. Lending Bee and 365 Credit Solutions stand out for lightning approvals; Credit 21 and GS Credit are solid for flexible personal loans; CreditMaster caters to gig workers and those with poor credit. Every name here is Ministry of Law-registered, so you’re dealing with above-board lenders, not loan sharks.
When you’ve missed a few school events and the guilt is piling up, sorting out the family’s finances efficiently is one way to show you’re still holding things together. This list of licensed money lenders in Singapore is compiled for parents who need a loan but can’t afford to waste time—or emotional energy. Each option is quick, straightforward, and ready to meet you where you are.
Looking more broadly? Best Loans & Financing in Singapore gathers all 12 guides on this, so you can scan the field first.
Lending Bee Pte. Ltd.
Lending Bee Pte. Ltd. runs out of Far East Plaza on Scotts Road, and they’re known for turning things around fast—often within the hour. Personal loans go up to $300,000, and they also handle business loans, education financing, travel loans, and debt consolidation plans. Repayment stretches up to 36 months, and their mobile app means you can manage most of it without queueing up.
If you’re the sort who prefers a clean, tech-forward process and values transparency, this one’s a comfortable fit. The app lays out your terms clearly, so there’s no second-guessing.
- Address: 14 Scotts Road, #02-44/45, Far East Plaza, Singapore 228213
- Phone: +65 6219 1611
- Hours: Mon–Sat 11am–8pm, Sun 10am–6pm (closed on public holidays)
- Website: Lending Bee
Between school runs and weekend activities, Lending Bee’s app keeps your loan application on your phone. No queuing, no childcare scramble—just a fast, straightforward process that fits into the pockets of a parent’s day. Suitable when the need is bigger, like education or travel, and you want a repayment period that won’t stretch you thin.
Credit 21 Pte. Ltd.
Since 2005, Credit 21 Pte. Ltd. has been stationed at International Plaza on Anson Road, serving up personal, business, payday, and foreigner loans. The vibe is uncomplicated: walk in, state what you need, and if it checks out, funds move. They keep interest rates low and repayment flexible.
People gravitate here when they want a straightforward, no-frills experience without hidden catches. The staff explain every clause before you sign, so you walk out knowing exactly what you owe and when.
This list is editorial, not advertising. Run something similar? Tell us what you do and we will take a look.
If you’re comparing lenders, our guide on Credit Loan Companies in Singapore might help you weigh the differences.
- Address: 10 Anson Road, #01-07, International Plaza, Singapore 079903
- Phone: +65 6221 1811
- Hours: Mon–Sat 11am–8pm, closed on Sundays
- Website: Credit 21
For parents who dread fine print more than a toddler tantrum, Credit 21’s transparent approach is a relief. The team explains every step plainly, so you leave knowing exactly what you’re signing. It’s ideal when you need a small bridging amount and want a repayment schedule that works around family expenses, not against them.
GS Credit Pte. Ltd.
Over in Clementi, GS Credit Pte. Ltd. has built its name on personalised service. They are a member of the Moneylenders Association of Singapore, so they don’t mess around. Their menu covers personal, foreigner, debt consolidation, wedding, business, home renovation, and medical loans—all with tenures up to 36 months.
What you’ll notice is the thorough walk-through. The team, people like Melvin and Summy, take the time to explain each option rather than shoving a form at you. Great if you’re feeling a bit paiseh about borrowing and want someone who won’t judge.
- Address: 449 Clementi Avenue 3, #01-241B, Singapore 120449
- Phone: +65 6563 0321
- Hours: Mon–Sat 11am–8pm, closed on Sundays and public holidays
- Website: GS Credit
When you’re not just borrowing for yourself but for a family milestone—a home renovation, a wedding, a medical need—GS Credit’s personalised walk-through makes the process feel less like a transaction and more like a planning session. The team there takes time to listen, so you never feel rushed, even if you show up with a toddler in tow.
Best Licensed Moneylender Pte Ltd.
With over three decades on the ground and more than 32,000 customers served, Best Licensed Moneylender Pte Ltd. works out of Golden Beach Vista on North Bridge Road. They do personal loans, payday loans, and unsecured business term loans, with interest rates capped between 1% and 4% per month. Their digital application taps into Singpass Myinfo, so approvals can land within minutes.
This one suits you if speed is everything and you’d rather handle the paperwork online. Their long track record means they’ve seen almost every financial scenario—there’s a quiet confidence in that.
- Address: 13 North Bridge Road, #01-3984, Golden Beach Vista, Singapore 190013
- Phone: +65 6224 2224
- Hours: Mon–Sat 11am–7pm, closed on Sundays and public holidays
- Website: Best Licensed Moneylender
When a family emergency strikes and you need cash fast, their Singpass-powered digital application gets approvals through in minutes—perfect for the parent who’s already juggling too much. With three decades of serving customers, it’s the kind of reliable name you’ll feel comfortable returning to if life throws another curveball.
365 Credit Solutions Pte Ltd.
365 Credit Solutions Pte Ltd. is tucked on the third floor of Far East Plaza, same building as Lending Bee but with its own rhythm. They’ve been at it since 2010, offering personal, payday, business, bridging, and foreigner loans. Interest starts at 1% per month, and you can stretch repayment up to 24 months.
They open on weekends too—Mon–Fri 10:30am to 8:30pm, Sat & Sun 10:30am to 5pm. Handy if your weekdays are packed. The place runs on referrals as much as anything, which tells you people come back.
- Address: 14 Scotts Road, #03-64A, Far East Plaza, Singapore 228213
- Phone: +65 6222 5500
- Hours: Mon–Fri 10:30am–8:30pm, Sat & Sun 10:30am–5pm (closed on public holidays)
- Website: 365 Credit Solutions
For parents who can’t sneak away from work or the kids during the week, the weekend opening here is a game-changer. It means you can pop in on a Saturday after the children’s sports practice, get everything sorted, and still be home for lunch. The bridging loans are especially handy if you’re between selling and buying a family home.
Katong Credit Pte. Ltd.
Katong Credit Pte. Ltd. sits in Lucky Plaza on Orchard Road, but don’t let the central location fool you—they’re as down-to-earth as it gets. Personal, business, and foreigner loans are their staples, with repayment up to 24 months. They’re particularly known for working with borrowers whose credit history isn’t perfect.
If you’ve been turned away elsewhere, this is worth a conversation. The team listens first, assesses honestly, and lays out a plan that you can actually stick to.
- Address: 304 Orchard Rd, #02-30/31 Lucky Plaza, Singapore 238863
- Phone: +65 6291 2210
- Hours: Mon–Sat 11am–8pm, closed on Sundays and public holidays
- Website: Katong Credit
If past financial missteps have made you nervous about walking into a moneylender, Katong Credit is the kind of place where the team listens first and assesses second. They understand that life happens, and they’re willing to work with you to find a solution, which can feel like a weight lifted when you’re trying to keep the family’s head above water.
Horison Credit Pte. Ltd.
Horison Credit Pte. Ltd. operates out of People’s Park Complex on Park Road, right in the heart of Chinatown. Their core loans—personal, business, payday—are packaged with flexible repayments and a straightforward application path.
They’re the sort you call when you need to sort a cash gap quickly and don’t want a long story. The application is fuss-free, and the staff keep things professional and calm, which helps when your mind is running.
- Address: 1 Park Road, #01-15, People’s Park Complex, Singapore 059108
- Phone: 6844 2902
- Hours: Mon–Sat 11am–8pm, closed on Sundays
- Website: Horison Credit
When you need to sort a cash gap quickly and you don’t want a lengthy appointment, Horison Credit’s fuss-free application keeps things moving. It’s conveniently located in Chinatown, so you might even combine it with a quick family dim sum treat afterwards—turning a chore into a small outing. The calm professionalism helps dial down any anxiety.
1AP Capital Pte. Ltd.
1AP Capital Pte. Ltd. is based at International Plaza, a spot they share with a few other lenders on this list. They provide personal loans, business loans, and debt consolidation plans, and they’ve designed their processes to get you in and out without a headache.
People pick 1AP when they appreciate clear communication and an efficient rhythm. The team doesn’t overcomplicate things—they assess, propose, and follow through.
If you’re thinking about cutting down credit card debt, our look at Balance Transfers in Singapore might offer another path worth exploring.
- Address: 10 Anson Road, #01-38A, International Plaza, Singapore 079903
- Phone: 6533 5335
- Hours: Mon–Sat 11am–8pm, closed on Sundays and public holidays
- Website: 1AP Capital
1AP Capital is for the parent who appreciates clear communication—you walk in, they assess your situation, and they propose a plan in terms you can explain to your partner over kopi later. The efficient process means you’re not stuck there for hours, and the debt consolidation option could help tidy up multiple family expenses into one manageable payment.
U Credit (Pte.) Ltd.
U Credit (Pte.) Ltd. on Bencoolen Street has built a following around its low interest rates. Personal, business, and payday loans come with schedules that bend around your cash flow, not the other way round.
If you’re watching every dollar, U Credit is often where people end up after shopping around. The personalised loan plans mean you’re not paying for a template that doesn’t fit.
- Address: #01-19 The Bencoolen, 180 Bencoolen Street, Singapore 189646
- Phone: +65 6337 1768
- Hours: Mon–Sat 11am–8pm, closed on Sundays
- Website: U Credit
For families watching their monthly cash flow, U Credit’s personalised plans mean you’re not squeezing into a standard package. They’ll work around when money comes in and goes out, so a payday loan doesn’t create more chaos. It’s a popular choice for parents who’ve shopped around and want the reassurance of lower rates without sacrificing flexibility.
CreditMaster Pte. Ltd.
CreditMaster Pte. Ltd. in Hong Lim Complex on Upper Cross Street is one of the more inclusive lenders. They service not just regular employees but gig workers and people with poor credit scores, which many banks won’t touch. Personal loans and business loans are the main offer, and the online application keeps things simple.
If your income isn’t a straight monthly salary, this is the spot that gets it. The flexibility here is real, not just a sales line.
- Address: 531 Upper Cross Street, #01-04 Hong Lim Complex, Singapore 050531
- Phone: +65 6748 1338
- Hours: Mon–Sat 11am–8pm, closed on Sundays
- Website: CreditMaster
If your income looks more like a mosaic of freelance gigs than a neat monthly salary, CreditMaster gets it. Their inclusive approach means you’re not turned away just because your pay slip is irregular—a comfort for parents patching together multiple jobs. The online application keeps things simple, so you can apply after the kids are asleep.
BST Credit Pte. Ltd.
BST Credit Pte. Ltd. at Jurong Gateway Road covers the west side with personal, business, and payday loans. Quick disbursal is their calling card—you’ll hear the approval in hours, not days—and the terms are put on the table without small print tricks.
West-siders who need a nearby trusted name often land here. It’s convenient, and the team’s efficiency cuts through the anxiety of waiting.
- Address: Blk 131 Jurong Gateway Road, #01-251 Singapore 600131
- Phone: +65 6299 1782
- Hours: Mon–Sat 11am–8pm, closed on Sundays
- Website: BST Credit
West-side parents, this is your local. BST Credit’s quick disbursal means you won’t be left wondering for days, and the terms are laid out plainly so you know exactly where you stand. It’s the kind of place you can pop into after a visit to Jurong East’s shops, knowing the process won’t add extra stress to your plate.
Credit Thirty3 Pte. Ltd.
Credit Thirty3 Pte. Ltd. is in Toa Payoh Mall, Lorong 6, serving personal, business, and debt consolidation loans with flexible tenures. They open on Sundays (10am–6pm) and close on public holidays, so a weekend visit is possible. The approach is professional and unhurried, which can be reassuring when you’re sorting out your finances.
It’s a solid choice if you’re central or north-east and want a lender that stays calm while you work through the numbers.
This list is editorial, not advertising. Run something similar? Tell us what you do and we will take a look.
For a bird’s-eye view of your cash flow before borrowing, you might also peek at our guide to Savings Tracker Apps in Singapore for Financial Mastery.
- Address: Blk 190, Lorong 6 Toa Payoh, Toa Payoh Mall, #01-548, Singapore 310190
- Phone: +65 6292 2931
- Hours: Mon–Sat 11am–8pm, Sun 10am–6pm (closed on public holidays)
- Website: Credit Thirty3
How to choose
Start with the reason you’re borrowing. If it’s a large one-time expense like a renovation or wedding, look for lenders with higher loan caps and longer tenures—Lending Bee and GS Credit both go up to 36 months. If approval speed matters most, Best Licensed Moneylender and 365 Credit Solutions have digital processes that shave hours off the wait.
Check the interest rates. Licensed lenders in Singapore cannot charge more than 4% per month, and many start at 1%. A 1% monthly rate on a $10,000 loan over 12 months gives you a clear picture of cost; always ask for the effective interest rate and total repayment figure. Don’t compare just the upfront number—some lenders, like U Credit, are known for keeping rates particularly competitive.
Your employment status matters too. CreditMaster and Katong Credit are known to work with gig workers, freelancers, and those with less-than-perfect credit history, while other lenders might require a steady salary. Finally, pick a location that doesn’t add stress—West-siders can save time at BST Credit, and Toa Payoh residents have Credit Thirty3 nearby.
Always verify the licence on the Ministry of Law’s website before signing anything. A real licensed lender will never ask for upfront fees via WhatsApp or hold your NRIC.
| Lender | Loan types | Max loan amount | Interest rate (from) | Repayment term | Who it suits |
|---|---|---|---|---|---|
| Lending Bee | Personal, business, education, travel, debt consolidation | Up to $300,000 | Check with the business | Up to 36 months | Tech-forward borrowers, larger sums |
| Credit 21 | Personal, business, payday, foreigner | Check with the business | Low (not specified) | Flexible | No-frills, straightforward process |
| GS Credit | Personal, foreigner, debt consolidation, wedding, business, renovation, medical | Check with the business | Competitive | Up to 36 months | Personalised guidance, detailed walk-throughs |
| Best Licensed Moneylender | Personal, payday, unsecured business term | Check with the business | 1%–4% per month | Check with the business | Speed via Singpass, long track record |
| 365 Credit Solutions | Personal, payday, business, bridging, foreigner | Check with the business | From 1% per month | Up to 24 months | Quick approvals, weekend availability |
| Katong Credit | Personal, business, foreigner | Check with the business | Competitive | Up to 24 months | Those with poor credit, honest approach |
| Horison Credit | Personal, business, payday | Check with the business | Competitive | Flexible | Simple, no-fuss process |
| 1AP Capital | Personal, business, debt consolidation | Check with the business | Competitive | Flexible | Clear communication, efficient service |
| U Credit | Personal, business, payday | Check with the business | Known for low rates | Flexible | Cost-conscious borrowers, personalised plans |
| CreditMaster | Personal, business (gig workers, poor credit) | Check with the business | Competitive | Check with the business | Gig workers, non-standard income |
| BST Credit | Personal, business, payday | Check with the business | Competitive | Flexible | West-siders wanting quick disbursal |
| Credit Thirty3 | Personal, business, debt consolidation | Check with the business | Competitive | Flexible | Central/north-east residents, Sunday access |
Summary
Money crunches happen to the best of us—what matters is who you turn to. These twelve licensed lenders stretch from Jurong to Toa Payoh, offering everything from a quick payday top-up to a $300,000 personal loan, with terms clearly stated. Pick the one that fits your situation and your side of the island, and you’ll walk out with the cash and a clean conscience.
Disclaimer: Details can change. Always confirm rates, terms, and licence status directly with the business before committing.
Frequently asked questions
If Sunday’s your only free day, Credit Thirty3’s opening hours are a blessing. The unhurried, professional approach means you won’t feel like a number, even on a busy weekend. It’s a solid choice for a family considering debt consolidation, where the team takes the time to make sure you understand the new plan before you sign.
How do I check if a money lender in Singapore is licensed?
Visit the Ministry of Law’s list of licensed moneylenders online. Every legitimate lender must display its registration number and adhere to the rules set by the Registry of Moneylenders. Never trust a lender that refuses to show its licence or asks for fees before approval.
What’s the difference between a licensed money lender and a loan shark?
Licensed lenders follow strict regulations—interest rates are capped at 4% per month, contracts are transparent, and they will never harass you. Loan sharks, or ah longs, operate illegally, charge sky-high interest, and use intimidation. If someone chases you via WhatsApp with threats, it’s not a licensed lender.
What documents do I need to apply for a loan?
Typically you’ll need your NRIC, proof of income (payslips or income tax statements), and proof of residence. Some lenders use Singpass Myinfo to pull data instantly, making the process even faster. Gig workers or self-employed individuals may be asked for bank statements or client contracts.
Can foreigners get a loan from licensed money lenders?
Yes. Several lenders on this list—Credit 21, GS Credit, 365 Credit Solutions, and Katong Credit—offer foreigner loans. You’ll usually need your passport, employment pass, proof of income, and sometimes a local guarantor. Terms can vary, so inquire directly.
What interest rate should I expect?
Licensed moneylenders in Singapore can charge up to 4% per month, but many start at 1% or lower depending on your risk profile and loan amount. Always ask for the effective interest rate and the total repayment figure before signing.
What happens if I cannot repay on time?
Let the lender know as early as possible. Licensed lenders may offer a revised repayment plan or a short extension. Delaying will incur late fees capped by law, but willful default can lead to legal action. The worst thing is to go quiet—communication keeps the door open.
