A1 Credit SG Pte Ltd is a licensed moneylender (License No. 24/2021) listed in the Registry of Moneylenders, under the Ministry of Law in Singapore.

Licensed Money Lender Singapore, Chinatown

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LICENSE NO: 24/2021

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Honours and Achievements

A1 Credit: Licensed Money Lender Singapore (Chinatown)

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Top Rated Licensed Money Lender
What A1 Credit Offers

Getting a loan has been significantly difficult these days, especially with traditional banks. This is evident as they have to comply with government and trade rules which lessens the likelihood of applications being processed within the same day. What’s worse is having delayed responses or even receiving a rejection letter.

Here at A1 Credit, we don’t require borrowers to have high credit scores. What we assess is your ability to repay the loan without missing repayments to avoid falling into deeper debt. A1 Credit offers a personalized loan plan to make the repayments manageable.

How we can help

Our Money Lending Services

Are you tight on a budget for your medical and emergency bills or car fixes and home renovations?

  • Loanable amount up to 6 times your monthly salary
  • Quick approval within an hour
  • Can be used for any personal reason
A1 Credit Payday Loan

If you do not have enough to last until the next payday, A1 Credit gets you covered for urgent bills, household or vehicle repairs as well as vacation cash shortfall.

  • Loanable amount up to one month worth of income
  • Payable within one month
  • Guaranteed fast approval within an hour
A1 Credit Foreigner Loan​

A1 Credit offers financial support to expatriates who struggle in renting, settling allowance, and/or transferring money to families or relatives overseas.

  • Loanable amount up to 6 times your monthly salary
  • Same interest rate with personal loan
  • Available for expatriates with income of as low as $2,000 monthly

Happy asian couple buying a new house

Eligible Singaporean who aim to upgrade your dream home, renovation or home deposit. 

  • Loanable amount up to 6 times your monthly salary
  • Must have an exercised OTP
  • Repayment is up to one month or until house’s completion date

A1 Credit always has your back when it comes to your venturing ideas. 

  • Loanable amount up to $200,000
  • Customised and flexible repayment plan
  • Available for businesses operating for at least one year

Avail of Loan From

The Most Reliable Licensed Money Lender in Singapore!

We offer flexible loan plans that best suit your needs!

What makes us one of the top Licensed money lenders?

Since 2009, A1 Credit has been one of the most reliable licensed moneylenders in Singapore which is evident from the numerous excellent reviews and achievements we have received from when we started. 

We only impose regulations under the Moneylenders Act and Rules, and we guarantee that all customers — even those with bad financial history — receive immediate financing to resolve their financial needs quickly and conveniently.

We have stringently followed the conditions set by the Ministry of Law while providing fair and friendly relationships to customers with our financial services to assure that their great time of need is made much easier. 

Just use our online application facilities to get the services you need instantly!

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Fast Cash Loans On The Spot

As one of the most trustworthy money lenders in the country, A1 Credit has made the application processes as simple as possible especially, during emergencies, ensuring disbursing of cash within an hour is likely.

interest

Low-Interest Rates and Flexible Payment Plans

Here at A1 Credit, our financial plans are tailored specifically to give you the breather in focusing on what really matters in your life and even in business.

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100% Secure and Confidential

Every application process made with us is private and so is yours, thus, borrowers can assure that as an independent provider, we do not release our clients’ information to any third party.

Your Money Woes Sorted Within The Day

Steps to Apply for a Loan

01 new

Apply

Submit your application here.

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Visit the office

Upon assessing your case, our loan officer will offer you an amount and explain the terms and conditions of the loan for your understanding.

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Signing the Loan Agreement with the Moneylender

Once you agree to the loan amount and repayment terms upon discussion, our loan officer will print out the contract for you to sign.

04

Get your Cash Loan

Once the contract is signed, you will receive the cash instantly, hassle-free.

Google Reviews

Google 4.9 Stars

A1 Credit has always made our customers our priority, and we are very grateful that our efforts are recognized. These are just some of the comments we’ve received over the years on Google Review.

ANSWERS TO YOUR QUESTIONS

Loan Q&A

Yes. Avail of your loan via walk-in, phone at 6336 0833 or here.

You may always loan up to 6 times your monthly income with an annual income above $20,000. Licensed money lenders in Singapore allow you to borrow much more above your income if you apply for a secured loan (with collateral).

Your loan amount will depend on the legal requirement and your qualification. Here’s the list of loanable amount A1 Credit offers:

Payday Loan – Up to one month worth of income

Personal Loan – SGD $500 to $50,000

Foreigner Loan – Up to SGD30,000

Business Loan – SGD $10,000 to $200,000

Bridging Loan – SGD $5,000 to $200,000

To find your perfect personal loan, compare different packages between lenders through a comparison website. Make sure you’re satisfied with terms and conditions before committing to anything and note that interest rates depend on the loan plan you are applying for.

With the help of A1 Credit, you can receive a loan with interest rates that are not only affordable but also within legal limits. With no collateral necessary to get started on your application process.

You’ll want to see what our clients have said about our services! We’ve got some of their reviews right here on this page and you can read more by visiting our Reviews Page. You may also apply online or call us for further details.

A1 Credit’s loans are designed to ease your financial emergencies. We make sure you have the assistance that you need immediately, with a low interest rate in as short as an hour.

The process of getting one of our loans is easy too – just apply online or by calling us. All it takes for approval is to be eligible and bring the requirements at your convenience before we schedule our meeting on your loan plan. You’ll get this necessary emergency funding the same day if all goes well after signing off on everything!

We have competitive loan plans that adhere to the Moneylenders Act and we make sure you get a customized plan. No matter what your financial situation is, our ultimate goal is to help without adding more trouble for you! Take it from verified reviews on Loan Advisor, Google Reviews, or Business Listings who can attest to our promises and core values which are professional, efficient with client-oriented service.

Yes, the maximum amount you can borrow will be different from one lender to another. For example, banks in Singapore offer higher lending amounts but have stricter requirements. Disbursement of cash takes time because these lenders have more rigorous evaluation processes before releasing the money.

Licensed lenders, on the other hand, can offer quick access for people in need of funds quickly. They have low interest rates that are comparable to other companies that provide such services.

Bad credit history can cause you to miss out on potential opportunities. For instance, when applying for a loan or other type of financial assistance from a bank it may be rejected due to your low and/or poor scores.

Fortunately, A1 Credit is here as an expert legal money lending agency in Singapore that will assess your situation responsibly while considering the improvement of your current status.

That said, if you have a low or bad credit score, don’t worry! Your options are still open. You can take out monthly installment loans to manage your finances and pay off debt quicker rather than taking on any more interest charges with high interest rates. Just be sure to ask our specialists about the best loan for your needs before proceeding so we can chat through all of your different possibilities together!

While most banks require at least a day for loan applications to be approved, legal lenders, such as A1 Credit assure that you can get your cash shortly after an hour!

Prior to getting a loan, it is vital to consider which is the best-licensed moneylender to borrow from and what is best suited for your financial needs. Moneylenders not only give you the best interest rate, but it is also required to be licensed and fully registered under the Ministry of Law.

Before taking up any kind of loan, make sure you are:

  • Fully-aware of the Singaporean government’s financial assistance schemes, which have no or low-interest rates and will provide you with other suitable amounts for your needs
  • You understand the language used in the contract
  • Able to fulfill your contract and agree legally to the discussed terms and conditions
  • You have enough income to repay the borrowed loan amount
  • Have compared the low-interest rates for yourself

All licensed money lenders can charge a monthly interest rate up to 4% per month. This cap applies regardless of the borrower’s income and the type of the loan (either secured or unsecured). 

In addition, legal lenders are only allowed to impose the following charges and fees:

  • a fee not exceeding $60 for each month of late repayment;
  • a fee not exceeding 10% of the principal of the loan when a loan is granted; and
  • legal 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.

Yes, rest assured that, unlike other financial institutions, moneylenders do not have early repayment fees.

You can apply for more than one loan, making your application subject to evaluation to guarantee that you do not over-borrow and suffer from financial burden. 

Identifying a legal money lender can easily be done by checking the list of licensed moneylenders in the Registry of Moneylenders, under the Ministry of Law in Singapore here.

Note that legal moneylenders will always perform due diligence and walk you through the process every step of the way to ensure the customers are fully aware and informed. It will not use threatening behavior and they will not also ask for your SingPass password or any delicate or sensitive information unless necessary.

Under the advertising rules, licensed moneylenders in Singapore are allowed to advertise only through these three channels:

  • Business or consumer directories (in print or online media)
  • Websites belonging to the lenders
  • Advertisements placed within or on the exterior of the moneylender’s business premises.

All other channels are prohibited. Should you receive flyers, SMSes, emails, or other forms of advertisements, these would be from either licensed moneylenders operating in violation of the rules, or unlicensed lenders.

Debt consolidation through personal loans can help your credit scores recover and turn positive once again.

A personal loan is a type of installment loan, which allows you to borrow a fixed amount of money and pay it back with interest in monthly payments. Its amounts vary from lender to lender but what you qualify for is based on your credit health. It’s ideal for medical emergencies, home renovation projects, vacation plans, and other big-ticket expenses.

Yes, personal loans can even be used as expat loans for Singapore expatriates.

While most banks and financial institutions require at least a day for loan applications to be approved, licensed lenders, such as A1 Credit can assure that you can get your cash as quickly as possible! You can get approval for your loan within 30 minutes. However, it’s possible that we may ask for additional documents or information from you, which may affect the length of your loan approval time.

Watch out for these red flags when dealing with moneylenders:

  1. Asks for your SingPass user ID and/or password
  2. Fails to return your NRIC card or any other personal identification documents
  3. Asks you to sign a blank or incomplete loan contract
  4. Fails to provide a clear and thorough explanation of the terms and conditions of the loan.
  5. Grants you a loan without evaluating your loan application.
  6. Grants you a loan through phone, email, or SMS before receiving your loan application form and required documents
  7. Withholds any part of your principal loan amount

You can report errant moneylenders to the Registry of Moneylenders if you encounter them. Provide information including their business name, license number, and contact details for a prompt investigation.

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