10 Best Legal Moneylenders In SG To Apply For Loans

July 16, 2021
Best Legal Moneylender Singapore

They say that love makes the world go round, but love cannot buy groceries. Hence, we need money to sustain our basic needs and disposable income for our wants. But money does not grow on trees no matter how hard we work, and how we manage it seems that there is always not enough and always a need for it. That is why there are moneylenders available to assist us in augmenting this need, especially during a crunch or emergency times. But make sure that you go to a legal and licensed moneylender so that you will not be cheated on.

To help you know who these legal moneylenders are on the island, we have gathered a list of the 10 best for you and avoid being scammed. On the website of each company below are their licensed numbers. This guarantees that all are licensed by the Registry of Moneylenders under the Ministry of Law in Singapore.

Note: This list is strictly not in order.

1. Orange Credit Pte Ltd

Image Credit: Orange Credit Pte Ltd

Orange Credit Pte Ltd began operations on May 16, 2012, and is registered with the Singapore Registry of Moneylenders as a Licensed Moneylender. They are operating as a legal moneylender. This moneylender company wants to make loan applications as simple as possible for customers, with practically quick acceptance once they’ve been assessed.

Orange Credit Pte Ltd has been steadily growing its customer base since its establishment by offering a variety of fast, cheap, and flexible repayment cash loans to help people with their financial problems. Acceptance fees and hidden costs are not an issue for our clients, and all documentation is transparent and clear so that we can expedite the loan procedure for you. Hence, it is one of the 10 best legal moneylenders on the island to apply for loans as you can see why.

Customer Reviews

Angelie Tan

I am so happy that I got in touch with Orange Credit. I was served by a lady called Grace. She is very helpful and details in explaining the loan and repayment to me. I had a good experience with them. If anyone is looking for a loan out there. You may contact them and their friendly team will assist you. Trust me! You will have a good experience with them. 🙂

Paul Gill

I’m grateful for the professional and patient service that Orange Credit staff provided. I now have a full understanding of the terms in the loan contract. Definitely recommend it to those who need help on their rainy days. Thumbs up!

Contact: +65 6748 2320
Location: 810 Geylang Rd, #01-91 City Plaza, Singapore 409286
Opening Hours: Mon-Sat 11AM-8PM | Closed on Sun


Image Credit: OT Credit Pte Ltd

OT Credit Pte Ltd is a licensed moneylender, to assist you with your cash needs. They offer personal loans, bad credit loans, and low-income loans. They are a proud member of the Singapore Moneylenders Association. As a result, you can trust that when you take out a loan from them, whether it’s a personal microloan to pay personal expenses or a business term loan to cover your company’s operating costs, they will go through a thorough process to make sure you get the correct loan package.

OT Credit Pte Ltd understands how tough it is to pay back debts and services. This is why they only lend you money that you can afford to pay back. Their cost structures are always clear, so you can see for yourself how the company arrived at the value of the loan you’re considering.

Customer Reviews

Adrian Ling

The staff is very friendly and pro. They know their job well and make sure that we understand all conditions before the loan is taken out. the great working ambiance and the place is well kept and organised. Sharmaine is the Manager and she is very friendly and understands our needs. Her staff Miss Cheryl is also very helpful and friendly. Good!…keep up the working relations.

Kelvin Toh

Have a good experience with OT Credit. They process the loan very fast and the officer is very friendly and helpful. Will highly recommend it to friends if in need of cash.

Contact: +65 6292 0119
Location: Blk 135 Jurong Gateway Rd, #01-323, Singapore 600135
Opening Hours: Mon-Sat 11.30AM-7PM | Closed on Sun

3. Platinum Credit Pte Ltd

Image Credit: Platinum Credit Pte Ltd

Platinum Credit is a Singapore-based regulated money lender that has been in operation since 2010 and licensed by the Registry of Moneylenders under the Ministry of Law. They are also a long-standing member of the Credit Association of Singapore, whose principal goals include promoting ethical lending practices in the local market.

Platinum Credit provides a variety of rapid cash loans that are tailored to your specific requirements. Personal loans, payday loans, and business loans are some of the legal loans they offer. They take pleasure in their service as a trusted and legal money lender, ensuring that customers receive loans at the best rate possible to assist them to solve their short-term cash-flow concerns swiftly and efficiently. On top of that, their management team includes specialists with extensive experience in both personal financial planning and risk management. You are indeed in good hands.

Customer Reviews

Lyna Tan

I was attended by Jasmine, she was friendly and helpful, services from her was fast and efficient. Strongly recommended for the good service. đź‘Ť

Eng Jiun

Good Service. Fast and Efficient. Friendly.

Contact: +65 6333 0888
Location: Coleman St, #01-11 The Adelphi, Singapore 179803
Opening Hours:Mon-Fri 10.30AM-8PM | Sat 10.30AM-3PM | Closed on Sun

4. 1 2 Lend Pte Ltd

Image Credit: 1 2 Lend Pte Ltd

Since the moratorium was imposed in 2012, 1 2 Lend Pte Ltd is happy to be one of the six enterprises in Singapore to be granted a fresh moneylending license by the Ministry of Law. They have a track record of providing consumer credit, whether through regulated money lending or other consumer credit sectors. They are one of Singapore’s low-interest personal loan money lenders.

1 2 Lend Pte Ltd has a short-term personal loan that has a low admin charge of 3.5 percent and a competitive interest rate of 4.0 percent. They also deliver speedy and flawless service, whether it is for your future home remodeling or for your family’s holiday vacation so that you can focus on the important things in life.

Customer Reviews


1 2 Lend not only loan me, it totally changed my life around, I was in serious debt, every month pay the minimum, and still no reduction, the bank calls me every day. Special thanks to Hugo, I am saved. Now just pay A Bit for a year. 15min loan approval! Hassle-free and no questions asked.

Rahmat Mohamed

Pleasant experience for the past few visits. The staff is courteous and helpful. Offer advice to customers not to overextend themselves in the rates are helpful as it is lowest.

Contact: +65 6493 0160
Location: 1 Park Rd, #01-50 People’s Park Complex, Singapore 059108
Opening Hours: 10.30AM-7.30PM Daily

5. Capital Funds Investments Pte Ltd

Image Credit: Capital Funds Investments

Capital Funds Investments is a certified lender that can help you get the fast cash you need to get out of debt and start living a better life. Unfavorable circumstances should not prevent clients from having the future they deserve, that why they have diverse financing options to provide you a second shot to go ahead.

Capital Funds Investments has supplied money loans to a huge number of consumers who have placed their faith in their abilities. They place a premium on providing quick and polite service while also assisting individuals in need with the appropriate financial solutions. Their expertise and firm values have built a solid track record and a large number of satisfied customers over the years.
They take pleasure in providing clients with an easy, flexible, and responsive solution to their cash-flow problems.

Customer Reviews

Jeffrey Poh

Had a great experience with CFI. Very Transparent & Competitive rate. Friendly & efficient staff…Highly Recommended in view of the competitive rate offered.

Leroy Lim

Miss Phoebe explained everything clearly about the terms of the contract. Her manager was very understanding about the situation and willing to loan the sum of money to clear off the payday loan and debt consolidation of banking loans.

Contact: +65 6281 7736
Location: 65, UBI CRESCENT, #06-07, HOLA CENTRE, SINGAPORE 408559
Opening Hours: Mon-Fri 12PM-8PM | Sat 11AM-3PM | Closed on Sun


Image Credit: SGP Credit Singapore Pte Ltd

SGP CREDIT is a legal moneylender that understands the necessity for Singapore residents and foreign nationals to have a financial cushion in the form of money lending. They have created a variety of short-term, low-interest loan packages to meet a variety of personal and commercial needs, all with simple, flexible, and reasonable payment options. We provide Personal Loans to make it easier for PRs and foreigners to meet their immediate requirements while still pursuing their long-term goals.

They offer affordable interest rates so borrowers can rest comfortably that they are paying for the amount borrowed rather than its interest. They can alo tailor your payment terms to fit your budget. Money lending isn’t merely a business for SGP CREDIT. They take money lending seriously, ensuring financial stability, and encouraging self-sufficiency for all, both natives and visitors.

Customer Reviews

Tina Ash

I have been tended by Mr Wong from SGP credit.. And excellent service is given. Assisted me throughout the loan process .. 2 thumbs up

Zack Lestat

Very friendly professional staff. Can feel the sincerity in helping someone who in adversity. Process are quite fast, really appreciate and thanks to all the staff involved to minimize the pressure of our problems. Highly recommended. God bless đź’—đź’—đź’—

Contact: +65 6466 1157
Location: Blk 133 Jurong Gateway Road #01-299 Singapore 600133
Opening Hours: Mon-Fri 11.30AM-7.30PM | Sat 11.30AM-7PM | Closed on Sun


Image Credit: RM Credit Pte Ltd

In Singapore, RM Credit Pte Ltd is a respected and well-known legal moneylender. Their credit company is registered with the Singapore Registry of Moneylenders.

RM Credit Pte Ltd offers personal loans. It is an unsecured loan that enables people to deal with their financial difficulties to a considerable extent. It’s perfect for folks who need to receive amounts quickly in an emergency to keep their minds at ease. Personal loans are a great way to pay for medical bills, home improvements, education costs, and other things that can help you achieve your life goals. Anyone interested in obtaining a personal loan should go to a bank, financial institution, or money lender to meet the necessary conditions. Customers can choose between short-term and long-term personal loans, allowing them to make the best option possible.

Customer Reviews

Adam Destro

Mr. Lin was very helpful. Even with all my outstanding loans from other moneylenders, he helped me settle half of my loans and I still have a balance for my own expenses. Highly recommended.

Norra Abdul Hamid

I came here and Mr lin help me.. easy to pay installments he give me.. thanks

Contact: +65 6235 5302
Location: No. 2 Havelock Road #01-17, Havelock II Singapore 059763
Opening Hours: Mon-Fri 11AM-8PM | Sat 12PM-7PM | Closed on Sun


Image Credit: R2D Credit Pte Ltd

R2D Credit is a private and legal moneylender. They have a license allowing them to lawfully operate in the city. They are known in Singapore for having an excellent acceptance rate for all forms of loans, and they now offer cash loans to anyone who is facing financial difficulties.

R2D Credit has knowledgeable and professional loan officers and specialists eager to assist you in getting your loan handled and sanctioned as quickly as possible. Whether you require a small or large loan, they are ready to assist you in obtaining the funds you require. They provide loans that are personalized to meet the demands of everyone, regardless of their financial situation. Meaning, they don’t need to check credit ratings, look for collateral, guarantors, or deposits. Check out their website or call them for more details.

Customer Reviews

Joe Kok

Excellent service by Mr Jacob! Had explained everything in detail! An asset in the company! Thank you Mr Jacob!


Very friendly staff despite them closing very soon. Fast approval and no hassle.

Contact: +65 6635 1596
Location: BLK 846, YISHUN RING ROAD, #01-3661,, SINGAPORE 760846
Opening Hours: Mon-Fri 11.30AM-7.30PM | Sat 11.30AM-6PM | Closed on Sun


Image Credit: Pit-Stop Credit

Pit-Stop Credit is a competent money lender that will listen to your concerns patiently and professionally and work with you to find a solution that is best for everyone concerned while maintaining the highest respect for you as a client and responding as quickly as possible. It is one of Singapore’s legal moneylenders.

Pit-Stop Credit is your go-to lender whether you need a significant quantity of money for school tuition or to purchase an asset, or lesser quantities for unforeseen crises such as renovations, urgent cash, or loans for foreigners. They have an online loan application platform where you may submit your application from the convenience of your home or office at any time. Your application will then be reviewed, and you will receive feedback as soon as possible. Their objective is to make the loan application procedure as simple and straightforward as possible.

Customer Reviews

Selvan Selvan

The first time I borrow money from this company…it is very good communication with me……the person also talks with me nicely n explain bout the loan interest money…

Shawn Tan

fast and great customer service. straightforward in explaining to me about the plan term.

Contact: +65 6297 1909
Location: 200 Jln Sultan, #02-27A Textile Centre, Singapore 199018
Opening Hours: Mon-Fri 11AM-7PM | Sat 11AM-5PM | Closed on Sun

10.  i-CREDIT Pte Ltd

Image Credit: i-Credit Pte Ltd

I-credit guarantees a human experience; regardless of your demands, you will be handled with respect, not just numbers and statistics like other lenders do. Their goal is to bring both emotional and financial relief to our clients. Plus, they give you the mental calm you deserve.

I-credit is a legal moneylender in Singapore. For any financial difficulty and monetary issues, they cater to all, without discrimination and with complete discretion. A gentle reminder though, this company does not advertise its services through SMS nor phone calls. So if you receive any messages or calls claiming they are from this company hung-up or disregard it. Also, they only have one website and 1 location, so please be extra careful of these scammers of tricking you by claiming they are from i-Credit.

Customer Reviews


Awesome customer service. Came with a heavy heart left with a smile. Thank u for helping me out

Nat Lee

Recommended if you are looking for fast approval, good service and friendly staff. Great if you need urgent cash.

Contact: +65 6222 5222
Location: 82 Lorong 23 Geylang #05-02 ATRIX (Opp. Aljunied MRT) 1 stop from Paya Lebar and Kallang MRT, 388409
Opening Hours: Mon-Fri 11AM-8PM | Sat-Sun 11AM-4PM


It is always better to be debt-free, however, we can’t really avoid those unforeseen emergencies that even our savings is not enough. Thankfully there are moneylenders around that are able to process loans fast that banks cannot provide. A little caution though, make sure that the moneylender you go to for a loan is legal.

The list of the 10 best legal moneylenders in Singapore above should lessen your worry about where to go to apply for a short or long term loan. Just make sure that you pay on time to avoid higher interest and lessen your financial burden

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