Top List: 8 Licensed Money Lenders Singapore 2022

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Table of Contents


There are always ups and downs in life with unexpected situations that require more resources than we are ready to give. It can be very stressful if we are facing cash flow problems but can’t qualify for a personal loan from the bank.

Luckily, turning to a licensed money lender has become a saving grace for many. The truth is, getting a personal loan from licensed money lenders like UK Credit can be easy because of the fast approval and quick disbursement of funds. They are regulated by the Ministry of Law and nothing like loan sharks or illegal lenders.

If you’re looking for a legal lender, we have curated a list of licensed money lenders in Singapore for you. Check out the top 8 lenders by location:

Top Licensed Money Lenders in East Singapore:

1. UK Credit

UK Credit offers a wide range of loans at low interest rates. Besides the usual personal, business and debt consolidation loans, UK Credit also helps to ease borrowers’ cash flow problems with different types of loans for expenses such as weddings, unexpected medical bills, tertiary education fees and renovations. There is also a dedicated loan for Grab and Gojek drivers to help borrowers make ends meet during tough times.

Address: Block 210, New Upper Changi Road (Bedok North Central) #01-723, Singapore 460210

Phone Number: 6448 7448

Opening Hours: Monday to Saturday – 11.30am to 8.00pm

Sunday – 10:30am to 6.00pm

Closed on Public Holidays


2. 96BM Credit

With over 1,700 customers raving about 96BM Credit’s excellent location and customer service on Google Reviews, you can be sure your experience would be a good one. 96BM Credit offers many different loan types to cater to different needs, but what sets it apart from other lenders is its online personal loan calculator that helps borrowers know how much they need to repay before deciding if they should take up the loan.

Address: Block 302, Ubi Ave 1, #01-31, Singapore 400302

Phone Number: 6292 2629

Opening Hours: Monday to Saturday – 11.30am to 7.30pm

Sunday and Public Holidays – Closed


Top Licensed Money Lenders in West Singapore:

1. Synergy Credit

Synergy Credit was established to assist low-income earners who have difficulties applying for bank loans in Singapore. With a mandate to help those who have a bad credit history, Synergy Credit offers generous loan terms so that clients can get back on their feet.

By combining Synergy Credit’s open-minded approach with FinTech solutions to process every loan, the licensed money lender prides itself as a service-oriented lender that serves with compassion.

Address: Block 447, Clementi Avenue 3 (Clementi Central), #01-201,

Singapore 120447

Phone Number: 6250 0066

Opening Hours: Monday to Saturday – 11.30am to 8.00pm

Sunday – 11:30am to 5.00pm


2. Cash Direct

Cash Direct is a reputable licensed money lender that offers a comprehensive range of loans at competitive interest rates. From personal loans, payday loans to business loans, Cash Direct offers fast approval and processing so that clients can obtain their funds quickly to tide over tough times.

Address: 2 Venture Drive, Vision Exchange, #01-21, Jurong East Central,

Singapore 608526

Phone Number: 6493 0088

Opening Hours: Monday to Saturday – 11.00am to 8.00pm

Sunday – 12:00pm to 5.00pm

Closed on Public Holidays


Top Licensed Money Lenders in North Singapore:

1. R2D Credit

Getting a loan from R2D Credit is fast and effortless as it is known for its high approval rates for various types of loans. The licensed money lender does not require credit score checks, collateral, guarantors or deposits from borrowers to take up an unsecured loan. As such, R2D Credit is an ideal lender for those who need fast turnaround and quick fund disbursements.

Address: Block 846, Yishun Ring Road, #01-3661, Singapore 760846

Phone Number: 6635 1596

Opening Hours: Monday to Friday – 11.30am to 7.30pm

Saturday – 11.30am to 6.00pm

Sunday and Public Holidays – Closed


2. Galaxy Credit

Galaxy Credit is a one-stop solution offering as many as 10 different loans at very competitive rates to cater to different needs of borrowers. Another plus point is its highly accessible location. The office is situated within Ang Mo Kio Central and merely 5 minutes’ walk from Ang Mo Kio MRT Station.

Address: Block 709, Ang Mo Kio Ave 8, Ang Mo Kio Central #01-2595,

Singapore 560709

Phone Number: 6250 8811

Opening Hours: Monday to Saturday – 11.30am to 8.00pm

Sunday – Closed


Top Licensed Money Lenders in Central Singapore:

1. Soon Seng Credit

Soon Seng Credit regards honesty as the best policy and prides itself as an authentic lender that is transparent in all financial dealings with their borrowers. Even its loan officers are trained to be problem solvers who are capable of tailoring affordable loans that ease borrowers’ financial burdens.

Address: 1 Park Road, People’s Park Complex #01-21, Singapore 059108

Phone Number: 6226 8860

Opening Hours: Monday to Saturday – 11.00am to 8.00pm

Sunday – 11.00pm to 5.00pm

Closed on Public Holidays


2. GoldStar Credit

Goldstar Credit offers high approval rates with same-day approval, which means borrowers need not wait for days to get a loan approved or funds disbursed to their accounts. Currently, Goldstar Credit operates in two locations, Toa Payoh Central and Hougang Central, both of which are easily accessible by train.

Address: Toa Payoh Central Branch

Block 190, Lorong 6 Toa Payoh #01-576, Singapore 310190

Phone Number: 6252 0088

Opening Hours: Monday to Saturday – 11.00am to 7.45pm

Sunday – 10.00pm to 5.00pm

Hougang Central Branch

1187 Upper Serangoon Road, The Midtown #01-21, Singapore 533971

Phone Number: 6384 0088

Opening Hours: Monday to Saturday – 11.30am to 8.00pm

Sunday – 10.00pm to 5.00pm


Ready to apply for a personal loan?

Interested to get a loan at affordable rates and attractive loan tenure? UK Credit is one of the top money lenders you can find in Bedok. Reach out to us now.


The information contained on this website is not intended as a substitute for advice from a licensed professional. We do not guarantee the accuracy, completeness, suitability, or validity of any information provided on this website. We will not be responsible for any errors or omissions on the site nor will we be liable for any loss or damage caused by reliance on any information obtained through this website.

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