Payday Loan

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

Anyone can fall into financial difficulties at any time. You hope that you’ll be able to survive till payday, loans coming due then might mean that you’ll need a cash advance to make it through the month. 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.
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 an easy task. 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 your all 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 does have amazing benefits, with close access to beautiful parks, efficient transportation and a government that promotes stability and prosperity across the nation.
It 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 all the opportunities of making a payday loan application and transaction smooth and convenient for you.
Cash Loans


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

employees benefits

The cost of living in Singapore can be quite high, even with the great quality of life available in the country. However, with piling expenses, delayed payments, and problematic financial management in your own home, you can fall into huge debt quickly.

Payday loans are 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 especially 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.
A1 Credit allows local and PRs with over S$1,500 of monthly income to opt for a payday loan. Foreigners can only opt for a payday loan if they earn more than S$2,000 per month. In addition, both types of borrowers in Singapore must provide several documents that show proof of their residence, employment, bank statement, recent 3 months payslip and identity.
In turn, in just a few minutes or hours, you can receive your payday loan application results and get your money instantly. You will only need to repay your loan on your next payday.
save a lot in singapore


  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)

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 CPF, HDB, 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.

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

4.9 203 reviews

  • Avatar Jonas Santos ★★★★★ a week 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 shop patrol ★★★★★ 2 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 ★★★★★ 8 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 ★★★★★ 2 months ago
    Transaction was fast n smooth. Recommanded!
  • Avatar Jasmine M ★★★★★ 3 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 ★★★★★ 6 months ago
    Nice customer service that will politely explain the details of your contract patiently..
  • Avatar Mohamed Ali ★★★★★ a month 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 ★★★★★ 4 months ago
    Friendly, patient and efficient staff. Explained the procedures and payment plan clearly.
  • A Google User ★★★★★ 4 months ago
    Friendly, patient and efficient staff. Explained the procedures and payment plan clearly.
  • Avatar Mumtaz Begum ★★★★★ 6 months ago
    Very friendly n helpful service given.
  • Avatar razer raihan ★★★★★ 9 months ago
    Very professional staffs unlike others. Very nice office. Very systematic approach on payments and loans. … More
  • Avatar Melissa Tomalin ★★★★★ 9 months 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 unexpected 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, which makes it a crucial problem, especially for employees that 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 the rights of our borrowers to ensure fairness in all transactions.
Before getting a payday loan, it is important to consider which is the best money lending company to borrow from and what loans are suitable for your needs.

As a licensed money lender, 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 a 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 legal requirement and qualification. Here’s the list of loanable amount A1 Credit offers:
  • Foreigner Loan – Up to SGD30,000
  • Payday Loan – Up to one month worth of income
  • Personal Loan – SGD $500 to $50,000
  • Business Loan – SGD $10,000 to $200,000
  • Bridging Loan – SGD $5,000 to $200,000
According to the 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 interest rate a money lender can charge is 4% per month for each month the loan is repaid late.

You can verify if a money lender is licensed 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: 
  1. Business or consumer directories (in print or online media)
  2. Websites belonging to the money lender
  3. 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 lenders will often disregard your credit scores. Other money lenders may ask for it to have an idea about your loan management capabilities.

In turn, this helps them ask the appropriate questions that will help them determine your capability to repay your loan. However, credit scores never play a crucial role in having your payday loan approved.

Often, payday loans get immediate approval, especially from A1 Credit. If borrowers submit documents that prove they are Singaporean citizens or reside in Singapore for a long time due to their employment, they can get their money within the shortest span of 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 great for those who need quick cash to tide them over to the next pay day, 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 fee.

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.
women thumbs up with A1 Credit

Get preliminary approval in 30 minutes by applying here