Renovation Loan

Singapore Reno Programme

Here are some benefits you get to enjoy:
– No lock-in period
– No early settlement penalty
– Cash will be disbursed to you (not to the vendors), giving you greater freedom and flexibility
– Up to 36 months loan tenure
– Fast approval within 24 hours

Our easy-to-apply 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!

To make things easier, we have simplified our renovation loan process and are able to disburse cash on the same day! Along with fast reno loan applications, what you see is what you get.

We promise no hidden fees. Receive your rates now!

Apply Now

HOW IT HELPS

Advantages of a renovation loan

Competent. Professional. Trustworthy.

Straightforward Application

We don’t take you through complicated and unnecessary loan application processes. All you have to do is fill a simple online form that takes only 5 minutes, tops.

Worry Not About Bad Credit Score

Do not shy away from letting us know of your financial situation. To us, your bad credit score does not prevent you from getting loans. Let us work out a suitable repayment plan together.

What You See Is What You Get

There is no penalty for early full repayment and no minimum lock-in period. The Singapore Reno Programme comes with no hidden fees. Expect low interest loans at favorable terms and flexible payment terms from us.

Great Flexibility

Credit Thirty3 will disburse the cash straight to you (not to the vendor), providing our valued customers with greater flexibility and freedom. Be it for furniture, hacking of walls, repainting, you decide how to use the cash!

HOW TO APPLY

4 simple steps to
get your money.

APPLY NOW

1. Apply

Submit your loan application online.

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.

REVIEWS

Words from our valued customers

See the real stories yourself.

EXCELLENT
Google star 1Google star 2Google star 3Google star 4Google star 5
Based on 3263 reviews
Posted on Google Google
William profile picture
William
11 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good service for Sean
Posted on Google Google
Supa'at Khairan profile picture
Supa'at Khairan
11 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Sean.. nice chap!
Posted on Google Google
James Joshua profile picture
James Joshua
10 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Lincoln was very helpful.
Posted on Google Google
Eric Loon profile picture
Eric Loon
10 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good service and helpful
Posted on Google Google
Tyson Chia profile picture
Tyson Chia
9 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
The manager is really solid in helping. Thats all i got to say. Thanks a lot for the help. At 9 september 2026 5pm manager .
Posted on Google Google
samysakthi vel profile picture
samysakthi vel
8 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good
Posted on Google Google
Soh KOk Peng profile picture
Soh KOk Peng
8 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Sean the man lah
Posted on Google Google
aide profile picture
aide
8 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
very great - sean
Posted on Google Google
Sha Ally profile picture
Sha Ally
8 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Lin Coln is very professional, friendly n knows his job efficiently well. He meticulously explained every terms n conditions required without missing a beat. I am truly satisfied with lin Coln great customer service. He went the extra miles to assist me n i am truly grateful. I strongly recommend anyone to meet with Lin coln
Posted on Google Google
Marco Mariano profile picture
Marco Mariano
7 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
great service, specially from Sean.
Posted on Google Google
ramya george profile picture
ramya george
7 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good this is my 9th time from this money lending processing was smooth and staff all are friendly
Posted on Google Google
david khoo profile picture
david khoo
7 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Sean
Posted on Google Google
Xiang Wen Lim profile picture
Xiang Wen Lim
7 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good service by james
Posted on Google Google
Angie Lim profile picture
Angie Lim
6 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
The staff is friendly, the process is quick and easy
Posted on Google Google
dino s profile picture
dino s
5 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Friendly and helpful loan officer Brendon..Assisting in getting loan after turn down by others..thanks Brendon
Posted on Google Google
Wu Douglas profile picture
Wu Douglas
5 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
I was served by James from credit33 and a big shoutout to James for being so attentive and patient with all my queries and he make me understand all the procedures. So all in if you ever have to loan for any emergency situation please go to them.😀
Posted on Google Google
Liroy A profile picture
Liroy A
3 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Fast transaction, Very nice and polite when handling customer. A 100% recommended for your financial needs.
Posted on Google Google
Philip Oh profile picture
Philip Oh
3 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
James is very good
Posted on Google Google
Noreena Md Noor profile picture
Noreena Md Noor
2 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Fast service by staff Jay 1st time here. Willing to help out.
Posted on Google Google
Artemio Pinzon profile picture
Artemio Pinzon
1 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Very convenient and helpful. Thanks for the assistance.
Posted on Google Google
Saly Daneal profile picture
Saly Daneal
1 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good service by Lincoln
Posted on Google Google
Gopu Ilango profile picture
Gopu Ilango
1 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Jay is good and professional
Posted on Google Google
Kevin Leonearz profile picture
Kevin Leonearz
1 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Overall process is fast and well explained. Thank you Sean for your service. I managed to close the old loan with the new application with longer time frame. They are more flexible here.
Posted on Google Google
Farhan profile picture
Farhan
31 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Fast & smooth transaction. Mr Gerald is very friendly and explain my needs in details. Loan process is very smooth. Thank you. 😊
Posted on Google Google
Saravathi Maruthu profile picture
Saravathi Maruthu
31 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Wow.. was served by Sean. Very friendly dude, quick & explain all the details clearly. Just next to thiong Bahru pau.
Posted on Google Google
Zixuan Chiang profile picture
Zixuan Chiang
31 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good service by Lincoln
Posted on Google Google
Big Daddy BigDaddy profile picture
Big Daddy BigDaddy
31 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good service by james
Posted on Google Google
lee sheng profile picture
lee sheng
31 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good service
Posted on Google Google
lolzai kk profile picture
lolzai kk
30 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Very quick and easy plus very understandble. Would recommend
Posted on Google Google
Antony Vimal profile picture
Antony Vimal
30 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Sean was so friendly. Awesome
Posted on Google Google
erica ng profile picture
erica ng
30 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Brandon was amazing at explaining to me the processes patiently. He was kind and attentive to my needs and guided me accordingly. It was a seamless process!
Posted on Google Google
Yafik Okay profile picture
Yafik Okay
30 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Talk to Sean Easy going and they talk to u nicely on what u want
Posted on Google Google
Hamzah Hashim profile picture
Hamzah Hashim
29 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
James very swift and approachable
Posted on Google Google
Muhammad B A R profile picture
Muhammad B A R
28 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Staff was efficient and very helpful.
Posted on Google Google
Chris Teo profile picture
Chris Teo
28 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Sean is helpful, attentive!
Posted on Google Google
Vy profile picture
Vy
28 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
James is very professional and helpful
Posted on Google Google
Saedah Salleh profile picture
Saedah Salleh
27 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Mimi
Posted on Google Google
vignesh waran profile picture
vignesh waran
26 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Mimi was good 👍🏾...
Posted on Google Google
Shirah Irah profile picture
Shirah Irah
26 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Mimi is very friendly & she explain everything with details
Posted on Google Google
Ian Rhainier Manato profile picture
Ian Rhainier Manato
25 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Thank you for the accommodation and proper guidance in applying for loan. I'm very satisfied with the service given to me most specially with the staff Jay. He's very nice and assist me through out the process of my loan. I will highly recommend Credit Thirty3. Thank you much appreciated.
Posted on Google Google
joseph corpuz profile picture
joseph corpuz
24 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Came down to take up a loan and Brandon served me. Was very surprised how he handled my case and even came up with a repayment plan to ease up my monthly load, definitely would recommend to my friends if they ever need any financial help. They are extremely friend and understanding to every customer's situation. Kudos to Brandon for the plan and the support throughout the loan process. Thank you Credit Thirty3
Posted on Google Google
Mag Magiar profile picture
Mag Magiar
24 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good service by james
Posted on Google Google
zia _ profile picture
zia _
23 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
very fast and the staff was able to help me understand my inquiry and able to get me the best loan option
Posted on Google Google
Hock lock Lee profile picture
Hock lock Lee
23 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Excellent job by james
Posted on Google Google
J Major profile picture
J Major
23 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Sean was very helpful and genuine 🙏🏼 appreciate his advice and empathy
Posted on Google Google
Mazlan Mohd noor profile picture
Mazlan Mohd noor
22 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Gerald good servie
Posted on Google Google
Vaishnavi profile picture
Vaishnavi
22 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
well explained
Posted on Google Google
Wan Xi Ge profile picture
Wan Xi Ge
22 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
James is very professional
Posted on Google Google
Nursyazana Osman profile picture
Nursyazana Osman
22 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good service.
Posted on Google Google
Wanita Sarah profile picture
Wanita Sarah
21 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Fast n Efficient friendly
Posted on Google Google
Burney Tan profile picture
Burney Tan
21 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good and prompt services rendered, no hassle, thumbs up!
Posted on Google Google
Varshalini Amoi profile picture
Varshalini Amoi
20 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
good service by james
Posted on Google Google
samad bhy profile picture
samad bhy
20 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Swiftly and smooth application for lian
Posted on Google Google
Dennis Tan profile picture
Dennis Tan
19 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
They really help and removes a big burden that's been bothering me for days
Posted on Google Google
blu labra profile picture
blu labra
19 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Well explained and good support
Posted on Google Google
Marian Wong profile picture
Marian Wong
19 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Very good service from Sean. Helpful and patient and kind . Thanks
Posted on Google Google
seong chiew profile picture
seong chiew
19 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Lincoln good service
Posted on Google Google
Tiger Allan Ho profile picture
Tiger Allan Ho
18 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good service
Posted on Google Google
ONG BEE ANG profile picture
ONG BEE ANG
18 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Attended by Mr Shawn . Provided excellent service to client Well done
Posted on Google Google
Geetha R profile picture
Geetha R
17 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Kudos to sean. Just wow.. quick & easy. Just opposite hdb hub
EXCELLENT
Google star 1Google star 2Google star 3Google star 4Google star 5
Based on 3263 reviews
Posted on Google Google
William profile picture
William
11 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good service for Sean
Posted on Google Google
Supa'at Khairan profile picture
Supa'at Khairan
11 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Sean.. nice chap!
Posted on Google Google
James Joshua profile picture
James Joshua
10 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Lincoln was very helpful.
Posted on Google Google
Eric Loon profile picture
Eric Loon
10 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good service and helpful
Posted on Google Google
Tyson Chia profile picture
Tyson Chia
9 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
The manager is really solid in helping. Thats all i got to say. Thanks a lot for the help. At 9 september 2026 5pm manager .
Posted on Google Google
samysakthi vel profile picture
samysakthi vel
8 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good
Posted on Google Google
Soh KOk Peng profile picture
Soh KOk Peng
8 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Sean the man lah
Posted on Google Google
aide profile picture
aide
8 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
very great - sean
Posted on Google Google
Sha Ally profile picture
Sha Ally
8 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Lin Coln is very professional, friendly n knows his job efficiently well. He meticulously explained every terms n conditions required without missing a beat. I am truly satisfied with lin Coln great customer service. He went the extra miles to assist me n i am truly grateful. I strongly recommend anyone to meet with Lin coln
Posted on Google Google
Marco Mariano profile picture
Marco Mariano
7 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
great service, specially from Sean.
Posted on Google Google
ramya george profile picture
ramya george
7 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good this is my 9th time from this money lending processing was smooth and staff all are friendly
Posted on Google Google
david khoo profile picture
david khoo
7 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Sean
Posted on Google Google
Xiang Wen Lim profile picture
Xiang Wen Lim
7 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good service by james
Posted on Google Google
Angie Lim profile picture
Angie Lim
6 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
The staff is friendly, the process is quick and easy
Posted on Google Google
dino s profile picture
dino s
5 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Friendly and helpful loan officer Brendon..Assisting in getting loan after turn down by others..thanks Brendon
Posted on Google Google
Wu Douglas profile picture
Wu Douglas
5 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
I was served by James from credit33 and a big shoutout to James for being so attentive and patient with all my queries and he make me understand all the procedures. So all in if you ever have to loan for any emergency situation please go to them.😀
Posted on Google Google
Liroy A profile picture
Liroy A
3 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Fast transaction, Very nice and polite when handling customer. A 100% recommended for your financial needs.
Posted on Google Google
Philip Oh profile picture
Philip Oh
3 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
James is very good
Posted on Google Google
Noreena Md Noor profile picture
Noreena Md Noor
2 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Fast service by staff Jay 1st time here. Willing to help out.
Posted on Google Google
Artemio Pinzon profile picture
Artemio Pinzon
1 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Very convenient and helpful. Thanks for the assistance.
Posted on Google Google
Saly Daneal profile picture
Saly Daneal
1 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good service by Lincoln
Posted on Google Google
Gopu Ilango profile picture
Gopu Ilango
1 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Jay is good and professional
Posted on Google Google
Kevin Leonearz profile picture
Kevin Leonearz
1 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Overall process is fast and well explained. Thank you Sean for your service. I managed to close the old loan with the new application with longer time frame. They are more flexible here.
Posted on Google Google
Farhan profile picture
Farhan
31 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Fast & smooth transaction. Mr Gerald is very friendly and explain my needs in details. Loan process is very smooth. Thank you. 😊
Posted on Google Google
Saravathi Maruthu profile picture
Saravathi Maruthu
31 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Wow.. was served by Sean. Very friendly dude, quick & explain all the details clearly. Just next to thiong Bahru pau.
Posted on Google Google
Zixuan Chiang profile picture
Zixuan Chiang
31 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good service by Lincoln
Posted on Google Google
Big Daddy BigDaddy profile picture
Big Daddy BigDaddy
31 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good service by james
Posted on Google Google
lee sheng profile picture
lee sheng
31 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good service
Posted on Google Google
lolzai kk profile picture
lolzai kk
30 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Very quick and easy plus very understandble. Would recommend
Posted on Google Google
Antony Vimal profile picture
Antony Vimal
30 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Sean was so friendly. Awesome
Posted on Google Google
erica ng profile picture
erica ng
30 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Brandon was amazing at explaining to me the processes patiently. He was kind and attentive to my needs and guided me accordingly. It was a seamless process!
Posted on Google Google
Yafik Okay profile picture
Yafik Okay
30 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Talk to Sean Easy going and they talk to u nicely on what u want
Posted on Google Google
Hamzah Hashim profile picture
Hamzah Hashim
29 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
James very swift and approachable
Posted on Google Google
Muhammad B A R profile picture
Muhammad B A R
28 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Staff was efficient and very helpful.
Posted on Google Google
Chris Teo profile picture
Chris Teo
28 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Sean is helpful, attentive!
Posted on Google Google
Vy profile picture
Vy
28 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
James is very professional and helpful
Posted on Google Google
Saedah Salleh profile picture
Saedah Salleh
27 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Mimi
Posted on Google Google
vignesh waran profile picture
vignesh waran
26 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Mimi was good 👍🏾...
Posted on Google Google
Shirah Irah profile picture
Shirah Irah
26 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Mimi is very friendly & she explain everything with details
Posted on Google Google
Ian Rhainier Manato profile picture
Ian Rhainier Manato
25 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Thank you for the accommodation and proper guidance in applying for loan. I'm very satisfied with the service given to me most specially with the staff Jay. He's very nice and assist me through out the process of my loan. I will highly recommend Credit Thirty3. Thank you much appreciated.
Posted on Google Google
joseph corpuz profile picture
joseph corpuz
24 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Came down to take up a loan and Brandon served me. Was very surprised how he handled my case and even came up with a repayment plan to ease up my monthly load, definitely would recommend to my friends if they ever need any financial help. They are extremely friend and understanding to every customer's situation. Kudos to Brandon for the plan and the support throughout the loan process. Thank you Credit Thirty3
Posted on Google Google
Mag Magiar profile picture
Mag Magiar
24 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good service by james
Posted on Google Google
zia _ profile picture
zia _
23 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
very fast and the staff was able to help me understand my inquiry and able to get me the best loan option
Posted on Google Google
Hock lock Lee profile picture
Hock lock Lee
23 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Excellent job by james
Posted on Google Google
J Major profile picture
J Major
23 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Sean was very helpful and genuine 🙏🏼 appreciate his advice and empathy
Posted on Google Google
Mazlan Mohd noor profile picture
Mazlan Mohd noor
22 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Gerald good servie
Posted on Google Google
Vaishnavi profile picture
Vaishnavi
22 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
well explained
Posted on Google Google
Wan Xi Ge profile picture
Wan Xi Ge
22 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
James is very professional
Posted on Google Google
Nursyazana Osman profile picture
Nursyazana Osman
22 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good service.
Posted on Google Google
Wanita Sarah profile picture
Wanita Sarah
21 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Fast n Efficient friendly
Posted on Google Google
Burney Tan profile picture
Burney Tan
21 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good and prompt services rendered, no hassle, thumbs up!
Posted on Google Google
Varshalini Amoi profile picture
Varshalini Amoi
20 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
good service by james
Posted on Google Google
samad bhy profile picture
samad bhy
20 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Swiftly and smooth application for lian
Posted on Google Google
Dennis Tan profile picture
Dennis Tan
19 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
They really help and removes a big burden that's been bothering me for days
Posted on Google Google
blu labra profile picture
blu labra
19 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Well explained and good support
Posted on Google Google
Marian Wong profile picture
Marian Wong
19 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Very good service from Sean. Helpful and patient and kind . Thanks
Posted on Google Google
seong chiew profile picture
seong chiew
19 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Lincoln good service
Posted on Google Google
Tiger Allan Ho profile picture
Tiger Allan Ho
18 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good service
Posted on Google Google
ONG BEE ANG profile picture
ONG BEE ANG
18 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Attended by Mr Shawn . Provided excellent service to client Well done
Posted on Google Google
Geetha R profile picture
Geetha R
17 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Kudos to sean. Just wow.. quick & easy. Just opposite hdb hub
EXCELLENT
Google star 1Google star 2Google star 3Google star 4Google star 5
Based on 3263 reviews
Posted on Google Google
William profile picture
William
11 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good service for Sean
Posted on Google Google
Supa'at Khairan profile picture
Supa'at Khairan
11 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Sean.. nice chap!
Posted on Google Google
James Joshua profile picture
James Joshua
10 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Lincoln was very helpful.
Posted on Google Google
Eric Loon profile picture
Eric Loon
10 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good service and helpful
Posted on Google Google
Tyson Chia profile picture
Tyson Chia
9 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
The manager is really solid in helping. Thats all i got to say. Thanks a lot for the help. At 9 september 2026 5pm manager .
Posted on Google Google
samysakthi vel profile picture
samysakthi vel
8 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good
Posted on Google Google
Soh KOk Peng profile picture
Soh KOk Peng
8 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Sean the man lah
Posted on Google Google
aide profile picture
aide
8 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
very great - sean
Posted on Google Google
Sha Ally profile picture
Sha Ally
8 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Lin Coln is very professional, friendly n knows his job efficiently well. He meticulously explained every terms n conditions required without missing a beat. I am truly satisfied with lin Coln great customer service. He went the extra miles to assist me n i am truly grateful. I strongly recommend anyone to meet with Lin coln
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Marco Mariano profile picture
Marco Mariano
7 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
great service, specially from Sean.
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ramya george profile picture
ramya george
7 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good this is my 9th time from this money lending processing was smooth and staff all are friendly
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david khoo profile picture
david khoo
7 September 2026
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Sean
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Xiang Wen Lim profile picture
Xiang Wen Lim
7 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good service by james
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Angie Lim profile picture
Angie Lim
6 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
The staff is friendly, the process is quick and easy
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dino s profile picture
dino s
5 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Friendly and helpful loan officer Brendon..Assisting in getting loan after turn down by others..thanks Brendon
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Wu Douglas profile picture
Wu Douglas
5 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
I was served by James from credit33 and a big shoutout to James for being so attentive and patient with all my queries and he make me understand all the procedures. So all in if you ever have to loan for any emergency situation please go to them.😀
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Liroy A profile picture
Liroy A
3 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Fast transaction, Very nice and polite when handling customer. A 100% recommended for your financial needs.
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Philip Oh profile picture
Philip Oh
3 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
James is very good
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Noreena Md Noor profile picture
Noreena Md Noor
2 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Fast service by staff Jay 1st time here. Willing to help out.
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Artemio Pinzon profile picture
Artemio Pinzon
1 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Very convenient and helpful. Thanks for the assistance.
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Saly Daneal profile picture
Saly Daneal
1 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good service by Lincoln
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Gopu Ilango profile picture
Gopu Ilango
1 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Jay is good and professional
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Kevin Leonearz profile picture
Kevin Leonearz
1 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Overall process is fast and well explained. Thank you Sean for your service. I managed to close the old loan with the new application with longer time frame. They are more flexible here.
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Farhan profile picture
Farhan
31 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Fast & smooth transaction. Mr Gerald is very friendly and explain my needs in details. Loan process is very smooth. Thank you. 😊
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Saravathi Maruthu profile picture
Saravathi Maruthu
31 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Wow.. was served by Sean. Very friendly dude, quick & explain all the details clearly. Just next to thiong Bahru pau.
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Zixuan Chiang profile picture
Zixuan Chiang
31 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good service by Lincoln
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Big Daddy BigDaddy
31 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good service by james
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lee sheng profile picture
lee sheng
31 August 2026
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Good service
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lolzai kk profile picture
lolzai kk
30 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Very quick and easy plus very understandble. Would recommend
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Antony Vimal profile picture
Antony Vimal
30 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Sean was so friendly. Awesome
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erica ng profile picture
erica ng
30 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Brandon was amazing at explaining to me the processes patiently. He was kind and attentive to my needs and guided me accordingly. It was a seamless process!
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Yafik Okay profile picture
Yafik Okay
30 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Talk to Sean Easy going and they talk to u nicely on what u want
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Hamzah Hashim profile picture
Hamzah Hashim
29 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
James very swift and approachable
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Muhammad B A R profile picture
Muhammad B A R
28 August 2026
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Staff was efficient and very helpful.
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Chris Teo profile picture
Chris Teo
28 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Sean is helpful, attentive!
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Vy profile picture
Vy
28 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
James is very professional and helpful
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Saedah Salleh profile picture
Saedah Salleh
27 August 2026
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Mimi
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vignesh waran
26 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Mimi was good 👍🏾...
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Shirah Irah profile picture
Shirah Irah
26 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Mimi is very friendly & she explain everything with details
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Ian Rhainier Manato profile picture
Ian Rhainier Manato
25 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Thank you for the accommodation and proper guidance in applying for loan. I'm very satisfied with the service given to me most specially with the staff Jay. He's very nice and assist me through out the process of my loan. I will highly recommend Credit Thirty3. Thank you much appreciated.
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joseph corpuz profile picture
joseph corpuz
24 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Came down to take up a loan and Brandon served me. Was very surprised how he handled my case and even came up with a repayment plan to ease up my monthly load, definitely would recommend to my friends if they ever need any financial help. They are extremely friend and understanding to every customer's situation. Kudos to Brandon for the plan and the support throughout the loan process. Thank you Credit Thirty3
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Mag Magiar profile picture
Mag Magiar
24 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good service by james
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zia _ profile picture
zia _
23 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
very fast and the staff was able to help me understand my inquiry and able to get me the best loan option
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Hock lock Lee profile picture
Hock lock Lee
23 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Excellent job by james
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J Major profile picture
J Major
23 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Sean was very helpful and genuine 🙏🏼 appreciate his advice and empathy
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Mazlan Mohd noor profile picture
Mazlan Mohd noor
22 August 2026
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Gerald good servie
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Vaishnavi profile picture
Vaishnavi
22 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
well explained
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Wan Xi Ge profile picture
Wan Xi Ge
22 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
James is very professional
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Nursyazana Osman profile picture
Nursyazana Osman
22 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good service.
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Wanita Sarah profile picture
Wanita Sarah
21 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Fast n Efficient friendly
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Burney Tan profile picture
Burney Tan
21 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good and prompt services rendered, no hassle, thumbs up!
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Varshalini Amoi profile picture
Varshalini Amoi
20 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
good service by james
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samad bhy profile picture
samad bhy
20 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Swiftly and smooth application for lian
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Dennis Tan profile picture
Dennis Tan
19 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
They really help and removes a big burden that's been bothering me for days
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blu labra profile picture
blu labra
19 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Well explained and good support
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Marian Wong profile picture
Marian Wong
19 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Very good service from Sean. Helpful and patient and kind . Thanks
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seong chiew profile picture
seong chiew
19 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Lincoln good service
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Tiger Allan Ho profile picture
Tiger Allan Ho
18 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Good service
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ONG BEE ANG profile picture
ONG BEE ANG
18 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Attended by Mr Shawn . Provided excellent service to client Well done
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Geetha R profile picture
Geetha R
17 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Kudos to sean. Just wow.. quick & easy. Just opposite hdb hub
View All

FAQ

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.

  • 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.

If your loan is approved and all required verification and loan documentation are completed, the loan proceeds may be disbursed on the same day, subject to the lender’s process. Disbursement may be made by bank transfer or other approved payout method, depending on the arrangement explained to you before signing. Your full loan terms, repayment schedule, and applicable charges will be clearly set out in the loan contract before disbursement.

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.

Renovation loans Vs. Personal loans: Let's compare

There are two main types of loans that can be used for home renovations: personal loans and renovation loans.



Of course, you can use your savings, but that’s not always a smart choice. You need your emergency funds and savings intact in case something unpredictable happens.



Imagine losing your job or facing a medical emergency that leaves you unable to work.Banks in Singapore might not approve your loan, fearing you might not repay them. Alternatively, you may obtain a smaller amount with higher interest. Thus, it’s better to hold onto those savings.



Personal Loans

A personal loan is a type of unsecured loan that you can use for all sorts of purposes – including renovating your home.



The advantages are:



– You can obtain a larger amount, up to $250,000 or 4-10 times your monthly income at banks in Singapore. If you don’t qualify for a bank loan, licensed moneylenders in Singapore can disburse loans up to six times your monthly earnings.

– You can use the personal loan for anything you want. You’re not limited to specific changes inside your home; you can also purchase decorations, furniture – and even a bottle of wine when you finally finish with your changes.

– You have an installment plan. This plan keeps you accountable so that you can become debt-free fast. It’s much better than using a credit card, whose payments are easy to overlook until you’re swimming in debt.

– You can use it for emergencies. Some renovations require quick action – for example, your pipes bursting. Emergency personal loans are fast and versatile; you can use them to repair your pipes and replace ruined furniture.



Renovation Loans

A renovation loan is crafted explicitly for home renovations.



Advantages include:



– Lower interest rates and thus, more affordable installments

– Larger loan amount up to $50,000 and more

– Convenient tenures up to five years

– More approval chances compared to personal loans, even if you have a low credit score



On the downside, you can’t use a renovation loan for anything you want. Even home improvements related to renovations are excluded from a renovation loan’s scope.

What can you use a renovation loan for in Singapore?

There are simply 4 steps in our loan application.

Renovation loans are less versatile than personal loans, although their interest and approval rates are better. So, you have to be prepared for these constraints:



#1 You can only obtain $30,000

That sum is constraining compared to the $250,000 you can access with a personal loan. Here are some renovations you can do in Singapore with this amount in one room:

– Extensive hacking: $3,300

– Extensive masonry: $21,500

– Light carpentry: $2,900

– Moderate ceiling and partition: $700

– The sums above add up to $28,400.

Thus, you will need more than one renovation loan to cover the work done in other rooms. Alternatively, you can:

– Use the renovation loan to pay for the things you need to do immediately, and:

– Take up other renovation loans for not-so-necessary remodelling, or:

– Consider a personal loan along with your initial renovation loan.



Pro tip: Renovation loans are cheaper than personal loans. For example, a renovation loan’s EIR can be 5% p.a. Conversely, personal loans’ interests can get up to 4%/month.



#2 You can only renovate your home

There are several conditions to get a renovation loan in Singapore. One of them is:

– You have to own the property you’re trying to remodel, or:

– You must be the homeowner’s family member and have express consent for these renovations.

Thus, you can’ use a renovation loan to improve a rented apartment.



#3 Some remodelling work isn’t included in your renovation loan

The renovation loan you take gets transferred into your contractor’s account. They can use this money for:

– Hacking: hacking, rebuilding, or plastering walls

– Masonry: flooring, tiling, and wet works

– Carpentry: personalised solutions for built-in wardrobes, cabinets, or storage features

– Ceiling & Partition

– Plumbing Works

– Electrical Works

– Painting

– Cleaning & Polishing



In Singapore, you are likely to apply for a renovation loan to:

– Fix floors

– Repaint dirty or cracked walls

– Add a baby room or an office into your apartment

– Transition to an open-plan apartment

– Repair broken pipes or leakage

– Fix your electrical system

– Add cabinets

– Build a fence or a patio

Get your
money now!

Get started now!

With plans that fit every need and budget and a 4.8 star positive review from our satisfied customers, we strive to offer you the best loan package, ASAP.

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Have any questions?