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.

We Are The Top Rated Licensed Money Lender in Singapore, Chinatown

Receive Your Cash Loan
Within 60 Minutes!

LICENSE NO: 24/2021

163 Reviews on
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Get your approval in 30 mins by applying here

Honours and Achievements

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Top rated licensed money lender

What A1 Credit Offers

Getting the best loan with favorable terms has never been easier with A1 Credit! What sets us apart from other loan providers is our relaxed requirements and fast approval to help borrowers like you secure financing anytime, especially during dire times.  

Check out our services and find the suitable loan for your urgent needs!

How we can help

Our Services

If you need fast cash for your personal needs –medical bill, car fixes and home renovations, this package is for you!

  • 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 got you covered to make ends meet.

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

Just like personal loan, this package is specially dedicated to expatriates who need a short-term financial buffer.

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

Happy asian couple buying a new house

This package can help you take advantage of a new potentially-profitable deal even when your cash is pending or tied up in an old property. 

  • Loanable amount up to 6 times your monthly salary
  • Exercised the option to purchase (OTP)
  • Repayment is up to one month or until the completion date

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

  • Loanable amount up to $200,000
  • Minimum turnover of $60,000
  • Available for businesses operating for at least one year

What makes us unique?

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 loan

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.


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.


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

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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.

Get your Cash Loan

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

Avail of Loan From

The Most Reliable Licensed Money Lender in Singapore!

We offer flexible loan plans that best suit your needs!

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.

    5 star review  I am very plse with the whole process. It's very professional n very pleasant approach. I would recommend my friends neefv

    thumb elsie tiew

    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  Thank you Shermaine for your services. It was easy and breeze. Appreciate it.

    thumb Liza Yasin


Loan Q&A

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

You may loan up to 6 times of 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 – SGD $500 to $30,000

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

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

While most banks require at least a day for loan applications to be approved, licensed money 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:

  • 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

According to the Ministry of Law, with effect from 1 October 2015, all moneylenders are only allowed to impose the following charges and expenses:

  • 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, and in most cases, paying off a loan early can help you save money. Rest assured, 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.

Here at A1 Credit, we focus on your current financial situation and capability to repay the loan on time. Our mission is to support all clients whether through their financial difficulties.

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 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. 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 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.

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 foreigner loans for Singapore expatriates.

While most banks and financial institutions require at least a day for loan applications to be approved, licensed money 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.


Get preliminary approval in 30 minutes by applying here
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