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.

Payday Loan

Financial emergencies can happen at any time. During these times,
you can count on us by availing of our flexible Payday Loan
cover up your expenses

Anyone can fall into a financial emergency at any time. You thought that you’d be able to survive till payday but finding yourself short on cash and cannot wait for the next paycheck? It’s times like these when you need that cash advance from your employer, or if you’re unable to get it from them, a payday loan will be ideal for fulfilling your short-term financial needs.

Singapore banks, however, will scrutinize all loan applications that come to them. And when you have a bad credit score, getting a loan in Singapore isn’t easy. Your loan application might not be approved, and the only way you can get out of your financial trouble is to opt for a short term payday loan in Singapore’s money lender to help you out. With A1 Credit, you can count on us by availing our flexible payday loan services to cover all your financial needs.​

Helpful in the following situations:

  • Urgent bills
  • Household/vehicle repair
  • Vacation cash shortfall

Loanable Amount:

Up to one month worth of income


A1 Credit Payday Loan

Singaporeans experience some of the best things in life. Living in a first-world country has amazing benefits, with close access to beautiful parks, efficient transportation, and a government that promotes stability and prosperity. However, Singapore is also one of the most expensive cities in the world to live in. Doubly so that some of us find it difficult to get through the month without some help in the event of an emergency like a medical emergency, or an illness, or something unfortunate.

While Singaporean employers do comply and put their employees’ concerns at the forefront of their operations, insurance, and medical benefit cards can only do so much when it comes to situations where employees need the cash advance immediately — and in large amounts. A1 Credit complies with all the rules and regulations set by the Ministry of Law. In turn, when you work with us, you can be sure you’ll always be in safe hands. We respect all our borrower’s rights and inform them of anything and everything they need to know about our procedures, contracts, agreements, and other information and additional costs they might face. When you work with us, we will make sure you get the financing you deserve, won’t drive you deep into debt, and provide you with all the opportunities to make a payday loan application and transaction smooth and convenient for you.


atleast 18 years old for Personal loan

At least 18 years old

Singaporean dollar

Minimum salary of SGD1,500 for Local & PR; SGD2,000 for foreigners

How A1 Credit Can Help?

Happy Asian Shaking Hand

The cost of living in Singapore can be quite high, even with the great quality of life available. However, with piling expenses, delayed payments, and problematic financial management in your own home, you can fall into huge debt quickly. A payday loan is designed to help you prevent huge problems if you face more than one at the same time. For example, if you have sufficiently budgeted for all your vehicle or home repair expenses, we can help you with a payday loan if the amount can lighten your financial burden, especially if you’re facing multiple issues that can drain your savings quickly.

Standard payday loan amounts are worth one month of your income. They’re meant to help you cover your utility payments, repairs or serve as replacement funds that won’t dent your budget. It is also helpful if you need your salary immediately and the cutoff for your next pay is still too far. It serves only as a cash advance when you need to deal with some unexpected expenses in the household, but your employer is unable to give you an advance payment. Unlike bank loans, applying for payday cash advances is very easy and fast with A1 Credit simple application process. All you will need is to provide several documents. You can receive your payday loan application approval and get a cash loan instantly within a few minutes or hours. Apply Now with A1 Credit if your financial emergency can’t wait for the next payday.

Requirements for Local & Permanent Residents (PR)
(minimum Income > $1,500)

  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 3 months recent payslip)
  4. SingPass (to log into IRAS website)


  1. Passport
  2. Work Permit / S-Pass / Employment Pass
  3. Proof of residence (utility bill or tenancy agreement)
  4. Proof of employment (certificate of employment or 3 months recent payslip)
  5. Proof of income (bank or account statement)
  6. Singpass (to log into the IRAS website)

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

We have flexible loan packages catered to your every need

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

    thumb Liza Yasin

    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.


Payday loans are available to any Singaporean employee or foreigner working in Singapore. An emergency could make it possible that you need additional funds to pay for an emergency utility bill, food expenses, or even rent. Unfortunately, it has left you unable to spend on your everyday necessities, making it a crucial problem, especially for employees who do not have any savings and live paycheck-to-paycheck. Thanks to A1 Credit, employees and foreign workers do not have to wait until their next paycheck and suffer hunger, cut-off power, or threatened with eviction by their landlords when they have the option of utilizing payday loans with friendly rates and terms. The Ministry of Law fully regulates our activities and ensures we respect our borrowers’ rights to ensure fairness in all transactions.

The difference between a payday loan and a personal loan in Singapore is that payday loans are effectively a short-term loan. A payday loan requires you to repay the payday lenders when you receive your next paycheck. A personal loan in Singapore has a longer loan repayment term due to the more considerable amount of loan you have taken out. With a personal loan, you are allowed to borrow up to six months’ worth of your salary and let you repay monthly until the personal loan amount is paid off.

Here are some advantages of taking a payday loan in Singapore:

  • Receive your cash loans immediately with a low-interest rate upon contract agreement
  • Payday loans allow you to use the money as you see fit to cover all that unexpected expense.
  • You do not need to worry about your bad credit history.
  • Quick cash for emergencies

Just like any other cash loans, there’s some disadvantage of taking a payday loan in Singapore:

  • Late repayment has the tendency to cause it to snowball into a massive amount that you may not be able to pay back due to interest rates.
  • Can significantly affect your credit scores and credit ratings

Before getting a payday loan, it is crucial to consider which is the best money lending company to borrow from and what loans are suitable and available in Singapore for your needs. As a licensed money lender, A1 Credit is licensed and regulated by the Ministry of Law and is fully compliant with the Moneylender’s Act, making it a reliable and credible company to consider lending from. It also offers various loans, such as personal, payday, bridging, business, and foreigner loans. The requirements and eligibility depend on the type of loan you are getting.

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

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

There is no rule stating that you cannot do so. However, it is definitely not a good idea to do so. A licensed moneylender under the Ministry of Law in Singapore would not loan you multiple loans at once or more than what you are capable to repay as it would only cause you to go into deeper debt. Therefore, at A1 Credit, we will make sure you get the financing you deserve that won’t drive you deep into debt.

You can verify if a money lender is licensed in Singapore by checking this list by the 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 business premises.

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

A1 Credit and other money lenders will often disregard your credit scores. Other money lenders may ask for your credit score to have an idea about your loan management capabilities. In turn, this helps them ask the appropriate questions that will help them determine your ability to repay your loan. However, credit scores never play a crucial role in having your payday loan approved. Often, payday loans get immediate loan approval, especially from A1 Credit. Upon submitting documents that prove they are Singaporean citizens or reside in Singapore for a long time due to their employment, they can get their cash loan within the shortest time possible.

A1 Credit and other money lenders can only advance you one month’s salary when taking on a payday loan. You must repay these loans within your consecutive salary cut-off. You cannot get an advance higher amount than your regular monthly salary from a payday loan. This loan service is excellent for those who need quick cash to tide them over to the next payday without having to worry about their inability to receive a personal loan due to their bad credit scores.

Most of the time, payday loans get a bad reputation due to the fact that loan sharks take advantage of desperate borrowers in dire need of their salary amount in advance. Then, the unscrupulous lenders increase the interest rates or charge unfair penalty fees that trap the borrower and send them into deep, unmanageable debt. Thanks to the Ministry of Law regulating legitimate money lenders, employees have an opportunity to safely advance their salary without any unfair charges. Indeed, payday loans are legal.

A1 Credit has a legal claim against any borrower who has failed to pay their payday loans within the salary cut-off or agreed upon the final date of repayment. In addition, there will be additional costs that you need to pay, such as late interest and late fees. The rights of A1 Credit to take action and make a claim against indebted customers are applicable to all types of loans beyond payday and personal loans.

A1 Credit is among the finest, trusted, 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, easiest and flexible repayments possible.

Our team always aims to help people greatly in need of money but are limited by their credit scores. With us, it is guaranteed that we do away with long approval times and even bad credit history. More importantly, we only practice and impose guidelines and all the regulations the Moneylenders Act and Rules allow lenders like us to, and we ensure that all customers – even those with bad financial records – receive immediate financing to resolve their worries quickly and with ease.

We observe full transparency and honesty with all our customers, making sure to answer your most important question for us to your satisfaction and meet your demands. We have stringently followed the rules under the Ministry of Law while providing fair and friendly relationships with borrowers with our services to assure that their great time of need is made easier.

Just use our online application facilities to get the services you need in no time. Rest assured, that with A1 Credit you will always get excellent service and be in good hands.

Moreover, A1 Credit is known for its three strong points:

1. Fast cash loans on the spot.

Whenever a financial emergency occurs, time is vital and every second counts. You discover yourself needing quick money to resolve the problem and no one to turn to. We are all aware of how traditional institutions are often slow in offering loans to help out, and most of you might not want to turn to colleagues and relatives for their aid.

As one of the most trusted and recommended legal money lending companies in Singapore, A1 Credit has guaranteed the application processes for loans are simple. All borrowers have to do is apply and sign an agreement for us to disburse your cash within an hour.

2. Low-interest rates and flexible repayment plans.

With A1 Credit, you need not to worry about your bad credit as our mission is to always help all clients whether through their financial worries. Our plans and packages are tailored specifically to give you the breathing space to focus on what really matters in your life and business.

3. 100% secure and confidential.

Every application made with A1 Credit is private and so is yours. At the same time, the loan application will not affect your current credit score. As an independent provider, we ensure that we do not release our clients’ information to any third party.

women thumbs up with A1 Credit

Get preliminary approval in 30 minutes by applying here

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