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.

Bridging Loan

Need immediate funding? Whether you’re eyeing a property under market value or vying for a property at auction, we can help you ‘bridge’ the gap and cover your expenses in the interim.

So you’ve decided it’s time to upgrade your current home to a bigger one. You’ve chosen the perfect property, sold the current HDB flat you’re living in, and made an application for a home loan. All that’s left is to put in a downpayment to your new home and wait for the sales proceeds to go through before you’re able to do so.

Whether you’re eyeing a property under market value or vying at an auction, we can help you ‘bridge’ the gap and cover your expenses in the interim.

What is a Bridging Loan?

Money Lender Shaking Hands with the Couple

A bridging loan in Singapore is a short-term financing loan that is especially useful for immediate property purchases. It is used to secure your dream property during its pre-selling or as a form of reservation inclusive of the first year of payment.

Bridging loans give you flexible repayment for your property financing. You will have to pay both interest and the initial amount by the end of the term. You won’t need to pay a regular amount for your bridging loan, but you’ll need to pay everything in full by the end of the term.

For many Singaporeans, owning a luxurious condominium seems impossible with the huge costs and cumbersome processes involved, let alone an HDB. However, thanks to A1 Credit, any Singaporean who wishes to own their own home can secure both their reservation and first years of repayments with our friendly and sufficient bridging loan rates.

Helpful in the following situations:

  • Purchasing a property quickly
  • Buying under market value properties
  • Awaiting withdrawal of CPF savings upon reaching 55 years old

Loanable Amount:

Loanable Amount: SGD $5,000 to $200,000

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We have flexible loan packages catered to your every need


A1 Credit’s bridging loans will give you the permanent solution to many property purchasing and investing woes you might initially encounter. If you haven’t saved enough, you can take out a loan and pay for it later, especially if you’re dealing with the following situations:

A1 Credit Use Rental Security Companies

Quick Property Purchases

Flash sales, an old HDB unit sold by your neighbors or developers, or even the sale of the current home you’re renting require your immediate reaction. In turn, you need a loan that reacts just as fast.

With only 1 day needed for your financing’s approval, you can receive your funds in no time.

Property Auctions

It’s possible you’ve overshot your bets during a property auction. However, having done your research, you know that the existing property is worth the price spent. The best way to make sure you secure the entire amount is to take out bridging loans. If it requires more financing, a bridging loan helps you reserve it until you can refinance your mortgage loans for it properly.

property auctions - bridging loans
buying property in need of remodeling

Buying A Property In Need Of Remodeling

A lower-priced existing HDB property is still useful if you intend to remodel and turn it into a high-value property in the near future. However, it’ll still cost you, and a bridging loan is the best way to get the cash you need to fund the renovations.

Preventing Repossessions

Banks have the right to claim equity on your collateral, especially if you’ve missed several loan repayments. A1 Credit can help you avert the crisis with a low-interest bridging loan or help you figure out whether you can use debt consolidation or other repayment means to your advantage without losing your property.

property auctions for bridging loans
A1 Credit Find The Best Investments Around

Making Investments

If you’re offered a good price on a property, and you’re short on cash, having a bridging loan from A1 Credit — which gets approved in just 1 day, is one of the best ways you can secure financing until the following year.


allowable age to lend money

At least 18 years old

Singaporean dollar

Minimum of SGD1,500 salary required

Singapore bank

Exercised the option to purchase (OTP)


  1. Identity card / NRIC
  2. Proof of residence (utility bill, a letter addressed to you and/or tenancy agreement)
  3. Proof of employment (certificate of employment or recent 3 months payslip)
  4. SingPass ( to log into CPF, HDB, IRAS website)
  5. Copy of the “Option To Purchase” (OTP)
requirements in getting a loan
Business Loan How To


  1. Apply online or call 6336-0833 to set an appointment at your convenience.
  2. Discuss the plan suitable for your budget with our friendly representative.
  3. Read and sign the contract including fees and terms of payment.
  4. Get the cash instantly!


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  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

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.


Getting the right bridging loan can be a good idea if you can afford to pay the loan on time. All loans with favorable interest rates and flexible repayment can help you make the right decision.

Before getting a loan, it is important to consider which is the best money lending company to borrow from, how much do you really need, and what loans are best suited for you.

A1 Credit is licensed and regulated by the Ministry of Law and is fully compliant with the Moneylender’s Act, making it reliable and credible to consider. A1 Credit also offers a variety of loans but the requirements and eligibility depend on the type of loans you are getting. Visit our site here to see all the loans we are offering and if you are eligible to apply.

In most cases, banks can let you loan between 15% and 20% of the total price of your new property. A1 Credit lets you borrow up to 6 times of your monthly income if your annual salary is at least $20,000. Rest assured that you can still take a loan if your annual income is less than the said amount.

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

Banks’ loan tenure for bridging loans is usually up to 6 months. Fees include early and late repayment fees. Meanwhile, moneylenders’ repayment terms range from 1 month or until your property completion date, subject to the terms and conditions of the agreement. There is no early payment fee, but take note of the one-time processing fee and late fee.

Note: Before signing for a loan, ensure to clarify with your loan provider on the interest rates, early repayment penalties, late payment penalties, hidden fees, and loan repayment period. This is to allow you to be prepared for the monthly repayments.

According to the Singapore Ministry of Law Moneylenders’ Act, the maximum rate of interest a licensed money lender can charge is 4% per month. If a borrower fails to repay the loan on time, the maximum late fee a money lender can charge is 4% per month for each month the loan is repaid late.

A1 Credit provides a customized loan package. It depends on your loan amount and tenure, but rest assured that repayment is flexible and manageable.

The Ministry of Law in Singapore only allows A1 Credit and other money lenders around 1%-4% interest for a bridging loan.

Taking a bridging loan from banks can be quite expensive since they have higher interest rates, ranging from 5-6%, per annum, not to mention other fees. With A1 Credit, the interest rate is capped up to 4% per month.

You can verify if a money lender is licensed by checking this list provided by the Singapore Ministry of Law.

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

  • Business or consumer directories (in print or online media)
  • Websites belonging to the money lender
  • Advertisements placed within or on the exterior of the money lender’s premises.
  • All other channels are prohibited.

Loan providers have different risk appetite. Expect a thorough credit report when applying for a bank, but some moneylenders are surely more lenient. At A1 Credit, your bridging loan is not subject to your credit scores. We only need proof of your employment and capability to repay the loans.

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Get preliminary approval in 30 minutes by applying here

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