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Top Rated Licensed Money Lender in Chinatown

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Loan Advisor Award 2020
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Mon to Fri:

11am to 8pm

Sat & Sun:

11am to 5pm


Closed on PH

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A1 Credit: Licensed Money Lender Singapore (Chinatown)

Fast Cash on the Spot

Time is of the essence. That is why we keep our process as fuss free as possible - all you have to do is apply and sign the loan agreement for us to disburse the cash.

A1 Credit: Licensed Money Lender Singapore (Chinatown)

Low Interest Rates & Plans

We seek to assist our clients with financial difficulties. Our flexible plans are designed to give you breathing space to focus on what really matters in your life and business.

A1 Credit: Licensed Money Lender Singapore (Chinatown)

100% Confidential

Your loan with us is private and will not affect your credit score. As an independent provider, we strictly do not release client information to any third party.

Google Review

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

4.9 183 reviews

  • Avatar Kalpana Tharmalingam ★★★★★ a month ago
    I have great experience. The staff serving me was very helpful. They are patient and they guide all the way. They are very safe and confidential.
  • Avatar Muhammad Arissufyan Bin Samsudin ★★★★★ 2 months ago
    Was very happy to be serve with a smile by Ms Tracy ng. She is a very friendly person. And I'm impress with the talk that she gave me about my loan. I will be looking forward to come back and make loan with A1 credit. Thank you A1 credit. Will let my family and friends know about you guys if they need loan
  • Avatar aisha yahya ★★★★★ 2 weeks ago
    Ariene Lu was very helpful and very detail in explaining the loan which i intended to take up.whole process was very smooth and A1 staff were professional.Ariene was very polite and professional.This is really a trusted credit company and i will surely recommend this to anyone who is genuine in need of help.Thank you Ms Airene and A1 for helping me solve the finance issue i'm having and granted … More me the loan on the spot! Very impress
  • Avatar Siti Nur Zanaria ★★★★★ 3 months ago
    Quick, efficient and friendly staff. Tracy attended to me and she was very polite, soft spoken and really helpful in helping me out with the loan and explaining the terms to me. Definitely recommend!

Get Your Loan Within The Same 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

Over the phone, we will ask you some preliminary questions to determine if you are eligible for the loan. If you are, we will invite you down to our office to process the loan and get to know you better.

3. In-person Consultation

At our office, you may 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 a loan amount and explain the terms and conditions of the loan.

4. Signing the Agreement

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

5. Receive your Cash Loan

Once the contract is signed, we will hand you cash on the spot.


Age: 18 Years and above

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

Will my bad credit history affect the loan application?

We 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 loan with the most Reliable
Money Lender in Singapore now!

We have flexible loan packages catering to your needs


Before getting a loan, it is important to consider which is the best money lending company to borrow from and what is/ are the loans suitable for your needs. 

A1 Credit is licensed and regulated by the Ministry of Law and is fully compliant to the Moneylender’s Act, making it a reliable and credible company to consider. It also offers variety of loans, such as personal, payday, bridging, business, and foreigner loans. 

The requirements and eligibility depend on the type of loan you are getting. Please visit here to see if you are eligible to apply. 

The amount of money you can loan varies depending on the requirement and qualification. Here’s the list of loanable amount A1 Credit offers:

  • Foreigner Loan – Up to  SGD10,000
  • Payday Loan – Up to one month worth of income
  • Personal Loan – SGD $500 to $50000
  • Business Loan – SGD $10,000 to $200,000
  • Bridging Loan – SGD $5,000 to $200,000

According to the Ministry of Law, if a borrower fails to repay the loan on time, the maximum rate of late interest a moneylender can charge is 4% per month for each month the loan is repaid late.

You can verify if a moneylender is licensed by checking this list by the Ministry of Law.

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

  1. Business or consumer directories (in print or online media)
  2. Websites belonging to the moneylender
  3. Advertisements placed within or on the exterior of the moneylender’s business premises. All other channels are prohibited.

If 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 moneylenders. 

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