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Accredit Loan is money lender in Singapore. We provide low interest rate loan to borrower to relief their financial stress.
Licensed Money Lender Singapore | Accredit Loan Agency

Licensed Money Lender Singapore

Accredit® Pte Limited is a licensed money lender in Singapore, providing fast approvals for personal, payday, and business loans with a sustainable model focused on customer protection. Visit us in-store at one of four convenient locations in Yishun, Tampines, Hougang, and Jurong to learn about our flexible loan options.

Apply Now
Accredit as a legal licensed money lender is responsible in lending money under the regulations of MinLaw. We focus on customer protection, bringing our borrowers moneylending service in Singapore.

Our Features

Personal Loans, Payday Loans, and Business Loans

Accredit® Pte Limited has been a trusted licensed money lender for over 20 years. We provide responsible credit and loan solutions for personal loans, payday loans, and business loans. Our proprietary credit systems ensure efficient, fast approvals for loans ranging from S$500 to S$20,000. 

Apply online or visit us in one of our four branches to experience Singapore’s best money lending services, with flexible repayment options and competitive rates.

2,500+ Five Star Google Reviews

4 Convenient Locations Across Singapore

Transparent Loan Terms & No Hidden Fees

Talk to us
Licensed money lender in Singapore. Accredit aims to provide no hidden fees and transparent loan

View our positive reviews from borrowers

EXCELLENT

★★★★★

Based on 2800+ Google Review

What Makes Us Singapore’s Best Money Lender

20+ Year Experience

More than 20 years of experience and 200,000+ loans facilitated across a range of cases.

2,500+ Five Star Reviews

2,500+ five-star reviews on Google from thousands of happy customers across Singapore.

Enhanced
Security

Enhanced security protection with industry-standard HTTPS (TLS1.2) and passed penetration testing.

Convenient Locations

Four convenient locations across Singapore in Yishun, Tampines, Hougang, and Jurong.

Simple Application Process

Fast and efficient application process online or at one of our four branches across Singapore.

Fast
Approvals

Our lenders can have you approved and funded in just 24 hours from your application date.

Transparent Repayment Terms

Complete upfront transparency about our fees and rates so there are no hidden surprises.

Competitive Interest Rates

We offer competitive interest rates and capped late fees with no hidden repayment fees.

How it works

Just 3 Simple Steps

to get you started on your way to fast cash loans!

Apply

Get a Quote

Submit your loan application information online, where ever you are! Get an indicative pricing to have an estimate about the loan repayment terms available

Get Your Approval

Our Credit Systems makes approval a fast and instantaneous process. Our officers will contact you to make an appointment if your application is successful.

Get Your Money

Visit our branch with the necessary documents and get your money immediately! No waiting around and get your cash on the same day.

As Featured on

APAC
Business Time
zaobao
the newspaper
The Straits Time
SFA
SG Cyber Safe
SME500
Singapore Entrepreneur
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    Loan Services We Offered

    Personal Loan

    Licensed Money Lender Singapore Personal Loan

    A personal loan is a loan disbursed on a short term basis for a personal requirement. This facility is available for any qualifying citizen of Singapore with a steady income. You can also apply for a personal loan if you are a foreigner with a valid pass to work and live in Singapore. Accredit® Moneylender provides easy personal loan in Singapore with quick approvals and lowest interest rates. We also enable you to choose an appropriate reimbursement plan for your loan to make the repayment a stress-free and hassle-free process.
    Learn More
    Debt Consolidation

    Debt Consolidation

    Debt consolidation is a process in which we help you consolidate a new loan in order to repay many smaller unsecured loans and liabilities. This product is helpful if you are unable to clear payday loans, credit card debts or other such smaller liabilities. In this process, we combine all your smaller liabilities and loans into a single loan that can help you clear it with ease. Our experienced loan advisors at Accredit® & Legal Money Lender Singapore will be helpful and offer you advice in every step of debt consolidation to make sure it happens smoothly.
    Learn More
    Short Term

    Short Term Credit

    A personal loan is a loan disbursed on a short term basis for a personal requirement. This facility is available for any qualifying citizen of Singapore with a steady income. You can also apply for a personal loan if you are a foreigner with a valid pass to work and live in Singapore. Accredit® Moneylender provides easy personal loan in Singapore with quick approvals and lowest interest rates. We also enable you to choose an appropriate reimbursement plan for your loan to make the repayment a stress-free and hassle-free process.
    Learn More
    Business Financing

    Business Financing

    Funding for your own business venture can be a tedious task. Especially, if you are starting afresh with a zero economic profit margin to fall back on. While you may not be earning a salary out of the new business immediately, you still need to pay your employees and keep the system running. Accredit® Licensed Money Lender supports such entrepreneurs and provides a comfortable mattress of business loan solutions for our ambitious business owners. We provide short-term, mid-term and long-term loans based on your needs.
    Learn More
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    Advantage of Choosing Accredit®

    When it comes to having a loan, choosing the right legal money lender can make your life easier. Our major advantage is the convenience of online applications, allowing you to apply for loan anytime, anywhere, without the hassle of visiting a branch. Speed is key, and with fast loan approved, you’ll have access to the funds you need in no time.

    A dedicated customer service team is always available to guide you through the process, offering expert advice tailored to your financial situation. Another benefit is the fairness and transparency in loan terms, ensuring there are no hidden fees or surprises.

    Returning clients can also enjoy exclusive perks such as lower interest rates or extended repayment terms, making repeat business more rewarding. Ultimately, choosing a specific lender means you’re working with professionals committed to providing fair, clear, and fast financial support when you need it most.

    We are in the list of licensed money lenders in Singapore, you may click on this link: Complete list of licensed moneylenders in Singapore.

    What You’ll Need to Apply for a Loan

    Requirement Documents:

    Licensed Money Lender Yishun

    Singaporean / PR

    • Proof of Income (CPF)
    • NRIC

    Foreigner

    • Payslip
    • Employment Pass
    • Proof of Address (E.g Telephone bill, Insurance letter, Utility bill and etc)

    Frequently Asked Questions

    { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [{ "@type": "Question", "name": "How much can I borrow?", "acceptedAnswer": { "@type": "Answer", "text": "Accredit offers loans ranging from S$500 to S$20,000 based on your financial situation. We can lend up to six times your monthly salary and, unlike banks, provide loan options for individuals with annual incomes below S$20,000.<b><i>Factors that influence how much you can borrow:</i></b><ul><li>Monthly income</li><li>Employment status</li><li>Credit history and past loans</li><li>Debt-to-income ratio</li><li>Residency status in Singapore</li><li>Other debts and financial commitments</li></ul>" } },{ "@type": "Question", "name": "What do I need to apply for a loan?", "acceptedAnswer": { "@type": "Answer", "text": "The following proof of identity and financial documents are required to apply for a loan in Singapore:<b>Singaporean / PR</b><ul><li>Proof of Income (CPF)</li><li>NRIC</li></ul><b>Foreigners</b><ul><li>Payslip</li><li>Employment Pass</li><li>Proof of Address (E.g. Telephone bill, Insurance letter, Utility bill and etc)</li></ul>" } },{ "@type": "Question", "name": "How long does it take to get approved for a loan?", "acceptedAnswer": { "@type": "Answer", "text": "We can have you approved and funded in as little as 24 hours from your initial loan application. Whether you apply online or at one of our four branch locations around Singapore, our money lenders will work fast to process your loan and conduct all of the requisite checks. Once you have been approved, you can choose your method of payment, including cash, PayNow, or a bank transfer. " } },{ "@type": "Question", "name": "What happens once the loan is approved?", "acceptedAnswer": { "@type": "Answer", "text": "Once your loan is approved, our money lenders will guide you through the terms and repayment timeline for your loan. We adhere to guidelines set out by the Singapore Ministry of Law (MinLaw) and ensure that you understand the terms of the loan.<b>Loan Contract Signing:</b>We will provide a loan contract outlining the loan amount, interest rate, and repayment terms.<b>Loan Disbursement:</b>Once the contract is signed, we will disburse the loan amount, typically within 1 hour. The disbursement can be made through cash, PayNow, or bank transfer.<b>Repayment Schedule:</b>A repayment schedule will be provided, and we will issue receipts for every payment made.<b>Ongoing Communication:</b>Throughout the loan term, we will keep in touch to ensure smooth repayment.<b>Loan Settlement:</b>Upon completion, we’ll issue a final statement confirming the loan has been fully settled." } },{ "@type": "Question", "name": "How can I keep track of my loan balance?", "acceptedAnswer": { "@type": "Answer", "text": "Our easy-to-follow monthly repayment schedule allows you to track your repayments through our online portal or app. Your secure portal provides an overview of past repayments, total loan balance, upcoming payments, and any outstanding payments. Once your final repayment has been received, you will receive a final summary statement detailing all repayments and confirming that your loan is settled." } },{ "@type": "Question", "name": "What interest rates do you charge?", "acceptedAnswer": { "@type": "Answer", "text": "We offer competitive rates in line with market and economic conditions. Unlike some lenders, we don’t charge the maximum interest rates allowed. While the Ministry of Law caps interest rates for licensed moneylenders at 4% per month, we go a step further to offer you the best possible rates tailored to your needs." } },{ "@type": "Question", "name": "Do you charge any other fees?", "acceptedAnswer": { "@type": "Answer", "text": "Our fee structure is completely transparent. While some other money lenders in Singapore may charge up to a 10% administration fee on the principal of the loan, we work hard to keep our rates fair and competitive.  We know that sometimes things don’t go to plan. If life gets in the way and you miss a repayment, rest assured that any late fees are capped by law—no hidden surprises." } },{ "@type": "Question", "name": "Can I apply for a loan with bad credit?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. Previous loan history is not the only factor we consider when assessing your loan application. Even if you have a low credit score or existing loans, we will assess your application based on your current financial stability and repayment ability." } },{ "@type": "Question", "name": "Where are our outlets’ locations and the business hours?", "acceptedAnswer": { "@type": "Answer", "text": "<b>Accredit Yishun</b>743 Yishun Ave 5, #01-548, Singapore 760743 Monday-Friday: 10 am to 8 pm Saturday-Sunday: 10 am to 5 pm<b>Accredit Tampines</b>503 Tampines Central 1, #01-315, Singapore 520503 Monday-Friday: 10 am to 8 pm Saturday-Sunday: 10 am to 5 pm<b>Accredit Hougang</b>1187 Upper Serangoon Rd, #01-15 The Midtown, Singapore 533971 Monday-Friday: 10 am to 8 pm Saturday-Sunday: 10 am to 5 pm<b>Accredit Jurong</b>506 Jurong West St 52 #01-192, Singapore 640506 Monday-Friday: 10 am to 8 pm Saturday-Sunday: 10 am to 5 pm" } }] }
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    Tampines Branch
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