Trusted Licensed Money Lender
in Singapore

Competent, trustworthy, and professional are the qualities that Credit Thirty3 embodies as
one of the Top Leading Licensed Money Lenders in Singapore, approved by the Ministry of Law.
We offer instant fast cash loan approvals at the most favourable interest rates, ensuring transparency with no additional fees.

Personal Loan Calculator

As a responsible money lender,
we offer a Personal Loan Calculator
to help you understand your loan details better.

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

Satisfied with the numbers?
As your trusted licensed money lender, we aim to provide clarity in our loan offerings.



As a reputable licensed money lender in Singapore, we offer various benefits:


Get your fast cash loan today

It takes only 3 minutes to complete the application with us, your reliable money lender.

Cash on the Fly

We know your time is valuable. Our loan officers will get you approved swiftly.

Safe & Secure

As a committed licensed money lender, we take pride in keeping our client’s information safe and secure.

Rates & Plans

We strive to give you the best interest rate for your loan, setting us apart as a competitive money lender.

Caters for All

We welcome everyone. As an inclusive licensed money lender, we have solutions to offer so that you can feel confident about your loan.


Our popular loan products

As a versatile money lender, 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.
Learn More

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.
Learn More

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.

Weddings are costly, but as your go-to licensed money lender, we can help make your dream wedding a reality.
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. As a supportive money lender, we offer affordable business loans that can help with equipment purchase, supplier payment, marketing costs, expansions and more.
Learn More

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, making us a preferred licensed money lender for homeowners and 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.
Learn More

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. As a compassionate licensed money lender, Credit Thirty3 offer immediate financial help for your medical needs.
Learn More


4 simple steps to get your money from a licensed money lender.


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

who appreciate our services as a trustworthy licensed money lender.
See the real stories yourself.

Unlock life's potential with our loans.


Frequently asked questions

Notes to Borrowers When Obtaining Loans from Licensed Moneylenders

As a licensed moneylender, we encourage you to consider the following before taking up 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 and debt

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, 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. Late fees

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

7. How much cash can I borrow?

You are encouraged to clarify any doubts that you might have before signing the loan contract. These may include the amount of loan that you can borrow based on your credit and the type of loan that you apply.

As a licensed moneylender, we offer both secured and unsecured loans based on your annual income and approval process.

How do I know whether a moneylender is licensed or not?

Check our name against the list of licensed moneylenders by the Ministry of Law.

We are a fully licensed moneylender, distinct from traditional banks.

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 a smooth process with us, your chosen moneylender, please prepare the following documents and ensure you have enough cash for any initial fees.

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?

As a top-rated licensed moneylender, we exist to provide our customers with the best loan products and terms, unlike traditional banks.

We offer a variety of cash loan options to suit your individual needs.

Our fees are transparent, with no hidden charges, ensuring you know exactly what you’re paying for.

Additionally, our competitive rates make borrowing more affordable for you.

We also pride ourselves on offering low-interest rates, making it easier for you to manage your repayments.

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

Our efficient process ensures quick disbursement of cash, solidifying our reputation as a fast-acting moneylender. If you need an urgent loan, you can count on us to provide the funds swiftly, often within the same day.

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

Yes, as a flexible moneylender, we evaluate each case individually, considering your debt and credit situation.

We are one of the legal moneylenders in the area who are willing to work with Singaporeans, even those with less-than-perfect credit scores.

Easily apply for a loan with us here.

How is the loan application process like?

With us, your trusted moneylender, the loan application process is simple and straightforward, even if you are carrying some debt.

We have streamlined our loan applications to be quick and hassle-free, ensuring you get the legal money you need without any unnecessary delays.

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?

As a customer-focused licensed moneylender, we ensure immediate disbursement of cash upon loan approval.

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

We also offer a flexible repayment period, allowing you to pay back your loan on time without any stress.

Our reasonable interest rates make it easier for you to manage your repayments, ensuring a smooth borrowing experience.

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

We are conveniently located and operate at hours to serve you better, reinforcing our commitment as a dedicated licensed moneylender.

Our address:
(Simply a 4-min walk from Toa Payoh MRT)
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

What are the interest rates that money lenders in Singapore can charge?

As of 1 Oct 2015, all moneylenders in Singapore, unlike banks, are required to be licensed by the Registry of Moneylenders.

Under the Moneylenders Act, there are now strict rules about the maximum loan amount of interest moneylenders can charge borrowers.

So, the highest interest rate a licensed moneylender can charge is 4% per month.

Moneylenders can offer interest rates lower than 4% to give you better deals, but they can’t go even slightly above 4%.

What are the fees money lenders in Singapore can charge?

Aside from interest rates, moneylenders are also allowed to charge other fees. However, they can’t charge more than certain limits.

The total fees a moneylender in Singapore can charge are:

  • A fee not exceeding $60 for each month of late repayment;
  • A fee not exceeding 10% of the principal of the loan amount when a loan is granted; and
  • Legal costs ordered by the court for a successful claim by the moneylender for the recovery of the loan amount.
How much can I borrow?

The answer to this question depends on your credit and the type of loan you apply for during the application process.

If it’s a secured loan, you must pledge an asset as collateral to the financial institution. In return, based on your credit, you can borrow any loan amount in cash.

On the other hand, an unsecured loan application will have certain limitations based on your credit.

Let’s look at what those are:

If you earn less than $10,000 and have a certain credit score as a Singapore citizen or permanent resident, you can borrow a maximum of $3,000 in cash during the application process.

However, the loan amount comes down to $500 in cash for a foreigner with similar credit earning the same income.

Key points to consider before signing your loan contract

It’s crucial to thoroughly read and understand the loan contract and interest rates before signing.

The loan contract will detail the terms of the loan, including the interest rate and repayment schedule.

Make sure you are comfortable with the interest rate, as it will significantly impact the total loan amount you’ll repay in cash.

Once you’ve reviewed the loan contract and are satisfied with the interest rate, the next step, based on your credit, is loan approval.

After loan approval, make sure to keep a copy of the loan contract for your records.

Understanding loan repayment terms and how your income affects them

Understanding the repayment terms in Singapore is essential when considering a loan application.

Your income plays a significant role in determining your repayment capacity based on your credit.

Our loan officers will assess your income and credit to tailor a repayment plan that suits your financial situation.

During the application process, you’ll be informed about the repayment schedule, including the number of repayments and their frequency.

It’s crucial to align your income and repayment schedule to avoid any financial strain based on your credit.

If you have any questions about repayment or any other aspect of the application, don’t hesitate to consult our loan officers for clarification.

General Questions

1. What is a licensed money lender in Singapore?

A Singapore licensed money lender is an organisation authorised by the relevant authorities to offer loans to individuals and businesses. Unlike unlicensed money lenders or loan sharks, we operate under strict regulations to ensure fair and ethical lending practices.

2. Is your company a legal money lender?

Yes, we are a legal money lender, fully accredited and compliant with all regulations set forth by the governing bodies. We provided legal loan contracts, unlike unlicensed money lenders or loan sharks, that do not provide contracts.

3. How does your company differ from a bank?

Unlike a bank, we offer more flexible loan packages and loan terms, often with lower interest rates. Our approval process is also generally faster, especially for fast cash loans. There is no need to feel bad if you need to borrow money from private money lenders as it is quite a common sight in Singapore to need additional cash time to time.

4. Do you offer services to Singapore citizens only?

No, we are a Singapore money lender, yet we also offer various loan options to Singapore citizens, PRs as well as foreigners.

5. What type of loans do you offer?

We offer a variety of loan types, including personal loans, business loans, and foreign loans, among others to help you pay off your debts.

Singapore Loan Specifics

1. What are your loan terms like?

Our loan terms are flexible and designed to suit the borrower’s needs. We offer both short-term and long-term options.

2. Do you have any hidden fees?

No, we pride ourselves on transparency. All fees, including late payment fees, are disclosed upfront.

3. How quickly can I get a loan in Singapore?

We offer fast cash loans that can be approved within an hour. We are a private money lender, meaning we strive to provide instant cash loans whenever possible.

4. Do you offer loans online?

Yes, we are an online money lender. You can apply for loans online through our secure platform and get an in-principal approval within an hour.

5. How do I know if I qualify for low interest rates?

Interest rates are determined based on a variety of factors including your credit score, the type of loan, and your finances.

6. How can I make payments?

Payments can be made through various methods, including direct transfer to our bank account.

7. What happens if I have existing debts?

We assess each borrower’s financial situation individually. Having existing debts does not automatically disqualify you from receiving a loan. All legal money lenders and here to help the public.

Additional Information

1. Are there other online money lenders or 24-hour money lender that I should be aware of?

While there are other online money lenders that offers instant cash loan, it’s crucial to ensure that they are reliable money lenders with proper accreditation, otherwise it is likely that they are illegal money lender.

Any money lender in Singapore that claims to be a 24 hours money lender is likely illegal.

2. How does your company ensure affordable rates?

We strive to offer loans with affordable rates to make it easier for borrowers to manage their finances with the money on hand.

3. Do you offer instant loans?

Yes, we offer instant loans that can be approved quickly, helping you get the money you need without delay, but that is after you sign the contract down at our office, and we hand you the money directly.

4. What should I know about money lending in Singapore?

Money Singapore has specific regulations and guidelines that all licensed money lenders, like us, must follow to ensure fair and ethical practices.

5. Do you have a Singapore guide for money lending?

Yes, we offer a comprehensive Singapore guide that covers all aspects of money lending, including how to choose a reliable money lender.

6. How can I contact you?

You can reach us online or visit our loan agency in Toa Payoh for more information.