A1 Credit Pte Ltd is a licensed moneylender (License No. 23/2020) listed in the Registry of Moneylenders, under the Ministry of Law in Singapore.

Honours and Achievements

What We Offer

These days it’s increasingly difficult to get a loan with traditional banks and financial services. Who can blame them? A bank will have to comply with a myriad of governmental and trade rules that make it impossible to get your application processed most likely within the same day. And more often than not, you get delayed responses, which often end with a rejection letter. Not only can it be discouraging to try again, but the situation you’re facing could also mean that it might be too late for you. In addition, we don’t prioritize your credit scores — your presence, and willingness to pay for your immediate need for cash is the most important factor to us. Once your loan application is approved, which is often within 30 minutes, you can get your cash in no time. This helps you pay for whichever you immediately need to and resolve it at a later date.

You can get the following services from A1 Credit

personal loan A1 Credit

Everyone wants a better quality of life for themselves after years of hustle. As the years grind down, the simple things are the most important – whether it is for a medical emergency, a home renovation project or even a vacation to far off exotic locales, a personal loan has been covered. You can get a personal loan with us for up to 6 times your monthly salary. Our quick approval and guaranteed disbursement within an hour will get anyone out a tight spot immediately. Loanable amounts may range from SGD $500 to $50,000 for those with a minimum salary of SGD $1,500 for locals and PR and about SGD $2,000 for foreigners.

A1 Credit recognizes that foreign workers help drive Singapore’s economy. To extend our gratitude and helping hand, we offer financial support to out expatriates through our ever-dependable loan deal for foreigners in Singapore.

It’s given that living in one of the most expensive cities in the world isn’t easy when you are here without financial support. We are able to assist all foreigners with a work permit, S Pass or Employment Pass in Singapore. This will be useful for making your new home and life in Singapore comfortable. It is also deemed to be essential for renting, settling allowance, and/or transferring money to families or relatives overseas. The loanable amount may range up to SGD $30,000 for those 21 years old above with a minimum salary of SGD $2,000.

A1 Credit Foreigner Loan​
A1 Credit Business Loan

Running ventures can be difficult while learning it on the go is tougher even. However, business education is best learned in the field, but there is a high price to pay for your failures. Because of that, bad credit becomes an issue for most Singaporean owners.

A1 Credit has your back when it comes to your business ideas. No idea is too big or too small for us. From paying off your creditors to replenishing new inventory to expanding the business multiple folds, we want you to succeed! This package is ideal for employees’ salary, expansion expenditure and even overhead expenses. It may range from SGD $10,000 to SGD $200,000 for businesses registered in Singapore.

The cost of living in Singapore can be quite high, even with the great quality of life available in the country. However, with a bunch of expenses, delayed payments and other contributing factors you can fall into huge debt quickly.

Are you worried that you won’t have enough to last till the next payday? Not to worry, as we’re able to provide you with the funds you need to tide you over till it comes. With one of the lowest interest rates in the country, you won’t have to worry about exorbitant prices. This deal is helpful for urgent bills, household or vehicle repairs as well as vacation cash shortfall. The loanable amount could be up to one month worth of a borrower’s income, primarily those with a salary of SGD $1,500 for locals and PRs and SGD $2,000 for foreigners.

A1 Credit Payday Loan
Happy asian couple buying a new house

This deal is a short-term financing loan that is specifically useful for urgent property purchases. It gives borrowers flexible repayment for property financing. With A1 Credit, any Singaporean who wishes to own their home can secure both the reservation and first years of repayments with this package. It is also beneficial for preventing repossessions, buying under market value properties, property auctions, purchasing new properties in need of remodeling, making investments as well as awaiting the withdrawal of CPF savings upon reaching 55 years old. The loanable amount may range from SGD $5,000 to $200,000. Those who are at least 18 years old and has exercised the option to purchase can apply.

Apply For A Loan With
The Most Trustworthy Money Lender In Singapore Now!

We have flexible loan packages specially tailored to your needs

Why Borrow From Us?

A1 Credit is one of the finest and most dependable legal moneylenders in Singapore. With a greatly experienced team, we provide a wide variety of solutions for every borrower that needs cash conveniently with the lightest and easiest repayments possible. We make it a point to help people greatly in need of cash but are limited by their credit scores. With us, we do away with long approval times and bad credit history. We only impose rules and regulations the Moneylenders Act and Rules allow us to, and we make sure that all customers — even those with bad financial history — receive immediate financing to resolve their financial needs quickly and conveniently.

We practice full transparency and honesty with all our customers, making sure to answer your most important question for us to your satisfaction. We have stringently followed the rules set by the Ministry of Law while providing fair and friendly relationships to customers with our financial services to ensure that their great time of need is made easier. Just use our online application facilities to get the services you need in no time. With us, you’ll always receive excellent service and be in good hands!

Why Borrow in A1 Credit
couple planning for financial goal

Fast Cash Loans On The Spot

When a financial emergency strikes, time is of the essence and every moment counts. You find yourself needing quick cash to fix the problem, and no one to turn to. Traditional financial institutions are slow to offer loans to help out, and you might not want to turn to friends and family for their aid.

As one of the most trustworthy and highly recommended licensed money lenders in the country, A1 Credit has made our application process as simple as possible - all you have to do is apply and sign the loan agreement for us to disburse the cash within an hour. This is guaranteed as all A1 Credit branches are open daily, from 11 AM to 8:30 PM from Monday to Friday and 11 AM to 5 PM from when Saturdays and Sundays.


Low Interest Rates & Flexible Payment Plans

It doesn't matter if you previously have bad credit. Here at A1 Credit, our mission is to help all our clients whether through their financial difficulties. Our financial plans are tailored specifically to give you the breathing space to focus on what really matters in your life and business.


100% Secure & Confidential

Every application made with us is private and so is yours. At the same time, the loan application will not affect your credit score. As an independent provider, we do not release our clients' information to any third party.

Your Money Woes Sorted Within The Day


1. Apply

Apply for your loan either via

  • Walk-in
  • Call us at 6336 0833
  • Online here (We will call you within 30 mins)


2. First Approval

If you are seeking a loan over the phone, we will ask you some preliminary questions to determine your eligibility. If you are eligible, we will invite you down to our office to get to know you better before we process the application for you.


3. In-Person Consultation

At our office, you can ask any questions or clarify your doubts with us. You will also be required to present your documents for our verification. Upon examining your case, our friendly loan officer will offer you an amount and explain the terms and conditions of the loan for your understanding.


4. Signing The Agreement

Once you agree to the loan amount and repayment terms, our loan officer will print out the contract for you to sign. This will only take 10 minutes.


5. Recieve Your Cash Loan

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

A1 Credit Eligibility


Age: 18 Years and above

Min Monthly Income of $1500
Foreigners:  Min Monthly Income of $2000

Will my bad credit history affect the loan application?

A1 Credit will look at your current credit situation and repayment ability rather than your credit history. However, we do not offer loans to un-discharged bankrupts.

Apply For A Loan With
The Most Trustworthy Money Lender In Singapore Now!

We have flexible loan packages specially tailored to your needs


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.

    5 star review  Very good customer service. They will explain everything you need to know. Also, you can get the approved loan amount within the day. Highly recommended.

    thumb Jonas Santos

    5 star review  Steven Huang has helped me on my application. He listen to my situation patiently and explained to me carefully on all my questions. His service is really excellent. Thank you Steven.

    thumb Janice Teo

    5 star review  Friendly staff , doesn't try to rush things , will explain everything in details and let you understand .

    thumb Desmond Ng

A1 Credit: Best Licensed Money Lender Personal Loan Singapore Chinatown IconA1 Credit: Best Licensed Money Lender Personal Loan Singapore Chinatown

2 Havelock Road, #02-08 Havelock II

4.9 224 reviews

  • Avatar Jonas Santos ★★★★★ 3 months ago
    Very good customer service. They will explain everything you need to know. Also, you can get the approved … More loan amount within the day. Highly recommended.
  • Avatar Janice Teo ★★★★★ 3 weeks ago
    Steven Huang has helped me on my application. He listen to my situation patiently and explained to me … More carefully on all my questions. His service is really excellent. Thank you Steven.
  • Avatar Liza Yasin ★★★★★ a month ago
    Thank you Shermaine for your services. It was easy and breeze. Appreciate it.
  • Avatar Desmond Ng ★★★★★ 2 months ago
    Friendly staff , doesn't try to rush things , will explain everything in details and let you understand … More .
  • Avatar elsie tiew ★★★★★ a week ago
    I am very plse with the whole process. It's very professional n very pleasant approach. I would … More recommend my friends neefv
  • Avatar Lee Shixian ★★★★★ a month ago
    The staff there was very professional and helpful was attended by Tracy NG. Thumbs up for first time. … More
  • Avatar Razina Begam ★★★★★ 2 months ago
    They explain very clearly and patiently to me and gave me a loan which i can afford to pay and ease my … More burden abit
  • Avatar shop patrol ★★★★★ 5 months ago
    Shermine very friendly staff and willing to help u all the way. Will definitely intro my family and friends. … More
  • Avatar Michay Abadecio ★★★★★ 11 months ago
    Friendly, fast & easy service available from this good licensed moneylender. My first experience … More with them was from 2018. I am usually served by Jay and he was very pleasant and helpful. He serve with smiles and politely throughout all the loans. He did explained to me clearly and the borrowing is very pleasant and hassle free. My future visits were given warm welcome and they even extended their help to assist me on other problems.
    I am very pleased with their service that they rendered to me when I am facing difficulties. They are the best moneylenders in Singapore that brighten up your day. I would highly recommend everyone if you require their personal loan assistance. Thank you A1 Credit, the best legal moneylenders in Singapore.
  • Avatar Umar Siddiq Armaya ★★★★★ 5 months ago
    Transaction was fast n smooth. Recommanded!
  • Avatar Jasmine M ★★★★★ 6 months ago
    Served by shermine , fuss free and explained everything clearly to me . Would definitely recommend using … More them if you are in a tight pinch.
  • Avatar Mohamad Faiz Mohamad Said ★★★★★ 9 months ago
    Nice customer service that will politely explain the details of your contract patiently..
  • Avatar Mohamed Ali ★★★★★ 4 months ago
    Great experiences being the 1st time application was served by Tracy. Explaination was very cleared, … More helpful, professional and very responsive staff.
    Highly recommended.
  • Avatar Putri Alhafiz ★★★★★ 7 months ago
    Friendly, patient and efficient staff. Explained the procedures and payment plan clearly.
  • A Google User ★★★★★ 7 months ago
    Friendly, patient and efficient staff. Explained the procedures and payment plan clearly.
  • Avatar Mumtaz Begum ★★★★★ 8 months ago
    Very friendly n helpful service given.
  • Avatar razer raihan ★★★★★ 11 months ago
    Very professional staffs unlike others. Very nice office. Very systematic approach on payments and loans. … More
  • Avatar Melissa Tomalin ★★★★★ a year ago
    This was my first time filling out an application form for a business loan with licensed Moneylender. … More I am confused and didn't know which company to choose. Then I found A1 Credit. I decided to take a loan from A1 Credit. The loan officer was very friendly and provided me with a business loan. I recommend A1 Credit to everyone.


Before getting a loan, it is important to consider which is the best-licensed moneylender in Singapore to borrow from and what is best suited for your financial needs. Moneylenders not only give you the best interest rate, but it also needs to be licensed and fully registered with the Ministry of Law. A1 Credit is licensed and regulated by the Ministry of Law and is fully compliant with the Moneylender’s Act, making us a reliable and credible company for all your fast cash in Singapore. We offer a wide variety of services, such as personal loans, payday loans, bridging loans, business loans, and foreigner loans to cater to our wide range of customers from all walks of life.

The requirements and eligibility depend on the type of loan you are getting.

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
  • Able to fulfil your contract and agree legally to the discussed terms and conditions
  • You have enough income to repay the borrowed amount
  • You understand the language used in the contract
  • Have compared the low-interest rates for yourself

You may 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 is depending on the legal requirement and your qualification. Here’s the list of loanable amount A1 Credit offers:

According to the Ministry of Law, the maximum interest rates money lenders in Singapore can charge is up to 4% per month.

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

Note that legal money lenders in Singapore will not use threatening behaviour. You will need to visit the licensed money lender’s office to process the loan agreement.

Licensed moneylenders will not also ask for your SingPass Password or any delicate or sensitive information unless necessary and licensed 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.

Licensed moneylenders in Singapore can only use business or consumer directories online and offline to advertise. In addition, they can have websites.

In Singapore, legal or licensed moneylenders can only advertise within the border of their existing physical property. Any other type of moneylenders advertisement is a sign of illegitimate activities.

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

  • Business or consumer directories (in print or online media)
  • Websites belonging to the money 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 money lenders.

All fees cannot go beyond S$60 of late monthly repayments. Administrative fees must not go beyond 10% of the loan’s principal once the loan is approved. Moneylenders in Singapore can charge customers for legal costs when processing a successful money lender’s legal claim.

Your moneylender should have explained all the terms and conditions properly and promptly before having you sign your contract.

Licensed Moneylenders must never present you with a blank contract that you have to “pre-sign.” Legitimate ones will always take time to explain every detail of your loan and responsibilities. Read more.

Yes! With A1 Credit, you can have your debt consolidated and only have to deal with one single payment regularly. This is advantageous, especially if you’re trying to recover from a bad credit score.

women thumbs up with A1 Credit

Get preliminary approval in 30 minutes by applying here

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