Competent. Trustworthy.

Credit Thirty3 is one of the Top Rated Licensed Money Lenders
in Singapore approved by the Ministry of Law.

Personal Loan Calculator

Loan Amount
$500 $100,000
Loan Tenure
24 months
1 months 36 months
Monthly Interest %
74.4% Principal
25.6% Interest

Satisfy with the numbers?


Get your fast cash loan today

It takes only 3 minutes to complete the application.

Cash on the Fly

Your time is valuable, and we know that. Our loan officers will get you approved and out the door in time to finish what you have set out to do for the day.

Safe & Secure

We take pride in keeping our client’s information safe and secure. To do this we follow top security measures with every client to keep your identity safe.

Rates & Plans

We have plans that can fit every need and any budget. With rates as low as 1% p.m we strive to give you the best interest rate for your loan.

Caters for All

With competitive rates, we welcome everyone. We have solutions to offer so that you can feel confident about your loan. Get yours today.


Our popular loan products

We are confident of finding the right loan for you.

Personal Loan

Personal loans provide fast cash relief for unexpected financial needs that may arise. We understand that you might need the money as soon as possible.

Credit Thirty3 exists for the sole purpose of providing you with fast cash personal loans in times of need.

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Foreigner Loan

Being a migrant worker or a foreign expat in Singapore, you might not have anyone to turn to for help when you need money.

Financial emergencies might occur and it’s not easy for a foreigner to get a loan from the banks. Bills need to be paid, you need a place to stay and you still need cash for daily expenses.

Learn More

Debt Consolidation Loan

Struggling with multiple loan repayments? Huge amounts of interest piling up?

Not to worry! Credit Thirty3 offers unsecured debt consolidation loans that can help you combine all your debts into one. This helps to lower the overall interest charged and makes it more convenient to make repayments.

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Wedding Loan

Weddings are beautiful, magical and the celebration of the unity of two people. Every couple will wish to have the wedding of their dreams. After all, a wedding is a once in a lifetime event.

However, the cost of a wedding is high. You need to consider the price of wedding bands, hotel banquets, dinners, parties and more.

Learn More

Business Loan

Getting a business loan to fund your entrepreneur journey can be quite tough. Banks have stringent requirements and take a long time to respond.

Credit Thirty3 understands that running a business in Singapore is not easy. We offer affordable business loans that can help with equipment purchase, supplier payment, marketing costs, expansions and more.

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Renovation Loan

Reno loans are very popular with homeowners as it helps to breathe a breath of fresh air into your old apartment or increase the value of your property.

Our renovation loans are more affordable as compared to personal loans and credit cards, which is a great win for homeowners working on a tight budget! These renovation loans also have a high return on investment by adding value to your home.

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Medical Loan

What happens when you run into unforeseen health issues and require immediate treatment?

Medical bills in Singapore are expensive. Not only will you feel unwell physically, your mental health will also take a toll. Your family members will be worried as well. Credit Thirty3’s medical loan offers you immediate financial help for your medical needs.

Learn More


4 simple steps to
get your money.


1. Apply

Submit your loan application form.

2. Advice

Understand the specifics of your loan.

3. Approval

Get your loan approved in minutes.

4. Agreement

Sign-off and receive money on the spot.


Words from our valued customers

See the real stories yourself.

Good service. Easy approval and very well explained. Look for Bryan.

Camille Baylosis

The staff very polite and explain the procedure to get Debt Consolidate loan and repayment schedule nicely. Thank you

Priya Mala

I was served by one of the staff name called James!! He is really a friendly and Very funny guy and always tried his best to explaining things which i don’t understand well enough!!

Eric Chng
View All


Frequently asked questions

Notes to Borrowers When Obtaining Loans from Licensed Moneylenders

What should I consider before taking up a loan?

Before applying for a loan:

1. The type of loan you are borrowing

Before entering any loan contract, make sure you understand the type of loan you are applying for. There are two types of loans – secured and unsecured loans.

  • Unsecured loans have more lenient requirements and are easier to obtain. They do not require collateral.
  • Secured loans have stricter requirements. They require collateral.

2. Interest rates

Regardless of the licensed moneylender or bank that you choose to work with, ensure that you are getting the best interest rates as it will affect your financial health.

Make sure to get the best loan package with low monthly repayment amounts.

Hidden fees to take note of:

  • Service fees
  • Underwriting fees
  • Origination fees

Legal and fair lenders such as Credit Thirty3 will always make known of all the charges. We strive to explain as clearly as possible to our customers and there will not be any unnecessary charges.

3. Loan tenures

A loan tenure refers to the amount of time you have to repay a loan. It exists for any type of loan and can range from 3 months to even 30 years.

The duration of your loan tenure will have a direct impact on the cost of your loan. Longer loan tenures will increase the overall cost of your loan. On the other hand, shorter loan tenures will make the loan more affordable.

Please make sure to choose a loan tenure that you can comfortably repay.

If you have any doubts regarding your loan, feel free to contact our friendly professionals at Credit Thirty3. We are here to address your needs.

4. Your current financial situation

This is one of the most important points to consider.

Before getting a loan, take a look at your current financial responsibilities. For example, your electricity bills, mobile bills, car loans, credit card bills and more.

Knowing your current financial standing will help you make better financial situations, especially on the loan amount that you apply for.

5. Loan contract language

Rest assured if you are not well-versed in English.

Based on Singapore’s law, the licensed moneylender has to explain the loan contract in a language that the borrower understands.

If you need a contract in another language such as Mandarin/Tamil/Malay, feel free to let our loan advisors know.

6. Don’t be afraid to ask

You are encouraged to clarify any doubts that you might have before signing the loan contract. These may include the loan tenure, loan interest rates or processing fees.

7. Late fees

Understand that late fees will be charged when borrowers fail to make repayments on time.

How much can I borrow?

You can borrow any amount for secured loans.

For unsecured loans, the loan amount depends on your annual income.

For Singapore Citizens and Permanent Residents (PRs):

  • An annual income < $20,000 allows them to borrow up to $3,000.
  • An annual income of $20,000 and above allows them to borrow 6x of their monthly income.

For Foreigners:

  • An annual income < $10,000 allows them to borrow $500.
  • An annual income of at least $10,000 but less than $20,000 allows them to borrow up to $3,000.
  • An annual income of $20,000 and above allows them to borrow 6x of their monthly income.
How do I know whether a moneylender is licensed or not?

The first step is to check the financial institution’s name against this list of licensed moneylenders by the Ministry of Law.

A licensed moneylender’s name will appear on the list.

Other signs of an illegal moneylender / loan scams:

  • Text messages / WhatsApp messages / calls to promote their loans.
  • Claim to be able to approve a loan remotely, without asking you to meet them at their place of business.
  • Ask for payment before approving your loan.
What documents do I need to prepare for a loan application?

For Singaporeans / PRs:

  • NRIC / Passport (Proof of your identity)
  • CPF / Bank statements (Proof of your income)

For Foreigners:

  • Work Permit / S Pass / E Pass
  • Utility bills / Phone bills / Home rental agreement (Proof of your residence)
  • Payslips
Why should I apply for a loan with Credit Thirty3?

Credit Thirty3 exists for the sole purpose of providing you with the best loan products and the best loan terms. With us, you do not have to worry about your finances anymore.

As reviewed by our customers, we are competent, professional and trustworthy.

  • A high 4.8 star Google reviews by our valued customers
  • Straightforward applications that takes only 5 minutes, tops.
  • Low interest rates.
  • Worry not about bad credit score.
  • Fast loan approvals for your immediate needs.

Credit Thirty3 is one of the fastest licensed moneylenders in Singapore. With our streamlined loan application process, you can get your cash within hours.

How long does it take for my loan to be disbursed?

5 minutes is all it takes to fill up our online loan application form. Our friendly loan officers will then get back within a few hours to follow with you.

I have a bad credit score. Can I still apply for a loan with you?

Yes, you can still apply for a loan with Credit Thirty3.

Banks often turn away customers who have bad credit scores, making it difficult for them during financial emergencies.

Credit Thirty3 is here to provide an alternative to these borrowers.

We are able to evaluate each case individually and we will try our best to offer the most suitable loan package for the borrower. Licensed moneylenders like us tend to be more understanding and will offer a listening ear to our borrowers.

Rest assured that we do not have specific restrictions with regards to credit scores.

Easily apply for a loan with us here.

How is the loan application process like?

There are simply 4 steps in our loan application.

Step 1: Apply online

Step 2: Wait for our loan officers to contact you

Step 3: Get your loan approval

Step 4: Sign the contract and get your money on the spot.

What happens next after my loan is approved? Do I get the money immediately?

Upon the approval of your loan application, we will be able to transfer you the money or pass you the agreed principal amount in cash immediately.

However, please take note that there will be a small administration fee which is administered by all licensed moneylenders.

Subsequently, the only thing to take note would be to make punctual repayments.

Where is your shop’s address and what are your opening hours?

Our address:

Blk 190, Lorong 6 Toa Payoh

Toa Payoh Mall, #01-548

Singapore 310190

Our opening hours:

11:00am to 8:00pm (Mondays to Saturdays)

Closed on Sundays and Public Holidays