Personal loan Made Easy

We are one of the best Personal loan provider in Singapore with affordable rate and pay back terms. Our staffs are ready to help you. Contact us for more information…

Call us 6448 7448

Installment plan up to 12 months!*
*Subject to approval


Call us 6448 7448

*Subject to approval



Personal Loan

Planning a vacation, small purchases, minor home improvements or just when an unplanned expenses come up and you don’t have available funds, turn to UK Credit Personal Loans with low interest rates and easy repayment terms.

Payday Loan

The concept of a Payday Loan is perhaps one of the most useful financial loans in existence, especially if you are finding it difficult to obtain credit from more traditional methods of lending.

Business Loan

As a business owner, you have probably made ‘bad’ decisions for your company which has ended up causing a substantial loss. A business loan enables you to pick up the pieces and dive back into your business again.

Debt Consolidation Loan

A debt consolidation loan allows you to combine all your debts into a single, lower interest rate loan. It is particularly beneficial when you have high-interest rates debts.

Grab/Gojek Loan

Wedding Loan

Renovation Loan

Medical Loan


Bridging Loan


Study Loan

Welcome to UK Credit

There are some companies out there who offer very little support once you have obtained a personal loan; all of these companies are designed as nothing more than a machine to obtain your money.

The modern world is full of different ways to get the things that we want. While most people do not always have the money in order to pay for something immediately, there are many forms of loans that can be used in order to purchase a good or service. Many people get a personal loan for the things that they need, which can come in various forms.

There are some differences between types of loans, which is what this article will help to detail. Although the same parties are involved (a creditor and debtor), the type of loan is different.

What is a Personal Loan?

This is called an unsecured debt and is subject to many different restrictions that other types of debt. For instance, a mortgage is a debt that has the collateral for your home or apartment. You are able to borrow more money because defaulting or declaring bankruptcy would result in the bank or other institution owning your home.

For that reason, most personal loans are smaller in size. They can be used for various things, but rarely are they large enough to purchase property, land, or other large assets. In most cases they are up to a few thousand dollars and that is all. Nonetheless, many personal loans are abundantly available through banks and other institutions because they would like to make a percentage profit when you pay back the loan. While it may be a smaller amount of money than a mortgage, they will most likely charge a higher interest rate to make up for the scale. For them, these are great margins.

Getting a Personal Loan

Even though banks and other financial institutions like to give out personal loans that yield higher percentages of profit, they are also wary that they could lose all of their money. In many cases they do not require collateral, but they will still need to do a brief background check on your finances, job situation and other relevant information. This will give them an idea of whether or not you are an ideal candidate for a personal loan.

Once you get a personal loan you have to be careful that you spend the money wisely or you have other sources of revenue. If you lose the money and are unable to pay the bank back, then you will suffer from a downgrade in your credit score. Although the bank or financial institution will not reposes any of your belongings, they will still make you sorry that you did not pay them back.

Overall, if you are trying to get some additional cash in order to fund a purchase, a personal loan is not a bad idea. With a steady income stream you can pay back the loan in the time allotted, but try to avoid defaulting on your loan at all costs.

Contact Us

Interested in learning more about how we can help your organization?
Reach out to us and we’ll be in touch with you shortly.

Contact Information

Blk 210 New Upper Changi Road
(Bedok North Central) #01-723
Singapore 460210 (3 mins walk from Bedok MRT)

6448 7448

11.30am – 8.00pm (Mon to Sat)

10.30am-6.00pm (Sunday)

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