Singapore’s Trusted Licensed Moneylender for Legal, Fast Cash Loans
Credit Thirty3 is a Ministry of Law-approved licensed moneylender in Toa Payoh, Singapore, providing safe and transparent loan solutions. We offer fast cash approvals, competitive rates, and clear terms with no hidden fees, ensuring a smooth and reliable borrowing experience.
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As a responsible money lender,
we offer a Personal Loan Calculator
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As your trusted licensed money lender, we aim to provide clarity in our loan offerings.
WHY CREDIT THIRTY3
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.
WHAT WE PROVIDE
Our popular loan products
As a versatile money lender, we are confident of finding the right loan for you.
Personal Loan
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
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.
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Debt Consolidation Loan
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
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.
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Business Loan
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.
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Renovation Loan
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.
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Medical Loan
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.
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REVIEWS
Words from our valued customers
who appreciate our services as a trustworthy licensed money lender.
See the real stories yourself.
FAQ
Frequently asked questions
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.
When choosing a licensed money lender in Singapore, always check for proper licensing and transparency. A legitimate lender should:
- Be listed under the Ministry of Law’s Registry of Moneylenders — this confirms they are authorised to operate in Singapore.
- Provide a written loan contract that clearly states interest rates, repayment terms, and any applicable fees.
- Operate transparently — no hidden charges or misleading promises.
- Offer professional, ethical service with clear communication and proper documentation.
Credit Thirty3 is a fully licensed money lender regulated by the Ministry of Law. We prioritise transparency, compliance, and customer trust in every loan we provide.
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.
Borrowing responsibly helps you stay in control of your finances and avoid unnecessary stress.
Here are some key practices to follow:
- Borrow only what you need — avoid taking a larger loan than necessary.
- Assess your repayment ability before committing to a loan.
- Read the loan agreement carefully to understand the interest rates, repayment schedule, and fees.
- Repay on time to maintain a good credit standing and avoid late charges.
At Credit Thirty3, we promote responsible borrowing and offer flexible repayment options to help you manage your loan comfortably.
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
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.
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.
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.
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.
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.
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 (Monday to Saturday)
10:00am to 6:00pm (Sunday)
Closed on Public Holidays
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%.
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.
For an unsecured loan from a licensed money lender in Singapore, the maximum amount depends on your annual income and residency status. If your annual income is below S$20,000, you may borrow up to S$3,000 in total from all licensed moneylenders combined. If your annual income is S$20,000 or above, you may borrow up to 6 times your monthly income. For foreigners earning below S$10,000 a year, the cap is S$500.
Borrowing from loan sharks can lead to serious financial and personal risks. Unlike licensed money lenders, they operate illegally and are not regulated by the Ministry of Law.
- Excessive interest rates: Loan sharks often charge unreasonably high rates that can trap borrowers in a cycle of debt.
- Harassment and intimidation: Illegal lenders may use threats or violence to collect payments.
- No legal protection: Since they are unlicensed, borrowers have no recourse under Singapore law.
- Unethical practices: Loan sharks commonly misuse personal data and engage in harassment.
Always borrow from a licensed money lender in Singapore for safe, transparent, and regulated financial support.
Credit Thirty3 operates under the Ministry of Law, ensuring all loans are fair, legal, and customer-focused.
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 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.
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.
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, you may apply online through our website for an in-principle assessment. Loan approval and disbursement are subject to document checks and in-person verification at our approved place of business, as required under Ministry of Law regulations.
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?
At Credit Thirty3, you can make your loan repayments by bank transfer or PayNow. Our team will provide the payment details and guide you through the repayment process clearly.
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.
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.
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