Licensed Moneylender Singapore

As a legal and authorised money lender in Singapore, we are dedicated to providing you with reliable financial solutions. Your priorities are our commitment.

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Loans Approved

CreditMaster, Top Licensed Money Lender Singapore

Since 2010, CreditMaster has been a licensed money lender operating under the supervision of the Ministry of Law's Registry of Moneylenders. Our mission is to assist our clients by offering loans that are simple and fast to repay, and we strive to go above and beyond in meeting their needs.

Hidden fees

We giving every borrower the respect and help they deserve

We understand that life is not easy. Sometimes, we find ourselves needing money at short notice for reasons beyond our control.

So we try our best to offer friendly, knowledgeable and helpful advice, and be open and transparent about the costs we charge. CreditMaster does not charge any hidden fees.

“Best Moneylender I’ve ever met”

Bryan, Operation Manager

800+ 5 Star Reviews

On Google Reviews

Our countless five-star reviews attest to our outstanding service

The positive reviews is a testament to our commitment to delivering exceptional products/services and our dedication to providing outstanding customer experiences.

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Easy and quick to apply

Takes you only 2 minutes with Singpass.

Quick disbursement

Get your money on the spot in 30 minutes.

Honest and transparent

No sky-high interest rates nor hidden fees.

Flexible repayment plans

Up to 36 months loan tenure for you to pay at your own pace.

Our Popular Loans

Your Loan Approved

on 12:47am Jul 24, 2024

Loan Applied

at 11:47pm


Total Loan Amount

$642 .93

Installment/ Month

Personal Loan

Personal Loan

Whether you have a specific expense in mind or just need some extra cash, a personal loan is an excellent option to consider.

Your Loan Approved

on 12:47am Jul 24, 2024

Loan Applied

at 11:47pm


Total Loan Amount

$2,303 .82

Installment/ Month

Renovation Loan

Renovation Loan

A renovation loan can be used to cover the costs of home improvements or repairs, such as upgrading a kitchen, adding a new bathroom, or replacing flooring.

Your Loan Approved

on 12:47am Jul 24, 2024

Loan Applied

at 11:47pm


Total Loan Amount

$1,044 .76

Installment/ Month

Study Loan

Study Loan

A study loan can be used to cover the costs of tuition fees, textbooks, and other educational expenses for students or parents.

Personal Loan Calculator

Loan Amount




Loan Tenure

0 months

1 month

36 months


1 %

1 %

4 %

Monthly Installment


Total Interest


Total Repayment


* Please note that installment amount vary based on individual factors and criteria.

Happy with the numbers? You are one click away to get your money!

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Borrowing Related Questions

Why should I choose a licensed money lender when the interest rate is higher than that of banks?

Opting for a licensed moneylender instead of a bank may be a preferable choice for certain individuals or businesses, even if the interest rate may be higher. Here are some reasons why:

Speed and convenience: Licensed moneylenders often offer faster loan processing and disbursement times than banks, which can be critical if you need funds urgently.

Flexibility: Moneylenders may be more inclined to lend to recipient with less than perfect credit scores, or those who require smaller loan amounts than what traditional banks generally offer.

Less stringent requirements:The eligibility criteria for a loan from a licensed moneylender may be less strict compared to banks, which may demand collateral or a certain level of income.

Personalised service: Moneylenders may be able to offer more personalised service than banks, as they typically work with smaller loan amounts and may have more time to concentrate on individual borrowers' needs.

Ultimately, the decision to choose a CreditMaster over a bank should be based on your specific financial situation and needs. We recommend comparing rates and terms from multiple lenders before making a decision.

What is the advantage of working with a licensed money lender?

Opting to collaborate with a licensed money lender in Singapore, such as CreditMaster, can have numerous benefits that may have a significant impact on your financial situation. Firstly, our legitimacy and legal protection ensure that you are not vulnerable to any unscrupulous lending practices, and your legal rights are protected. You can rest easy knowing that you're dealing with a licensed and regulated entity that strictly adheres to guidelines and regulations.

In addition, licensed moneylenders provide quicker loan processing and disbursement, allowing you to access funds promptly. This makes it an excellent option for those with urgent financial needs. Our flexible loan contracts can also be tailored to meet your individual requirements, and we offer smaller loan amounts to ensure repayments are manageable.

At CreditMaster, we offer personalized service that larger banks may not provide. We work with you on a personal level to customize our loan terms to your specific needs, and we may offer loans to those with less than perfect credit scores.

Lastly, our eligibility requirements are lower compared to banks, which means that you may still be eligible for a loan with us, even if you don't have collateral or a high level of income. Our loan options can offer a practical solution for those in need of short-term financing.

All in all, collaborating with CreditMaster can provide you with greater flexibility, quicker loan processing, and legal protection, making it an astute choice for those seeking reliable financing options.

What makes CreditMaster different from other licensed moneylenders in Singapore?

Looking for a reliable financial partner to fund your personal or corporate investments? Look no further than CreditMaster.

As a licensed and legal money lender approved by the Ministry of Law, CreditMaster is committed to providing the best and fastest lending solutions for our borrowers.

We understand that life's milestones often require a little extra financial support, which is why we offer personalized financial solutions at some of the lowest interest rates in Singapore.

Our streamlined application process and thorough explanations of loan terms and conditions have earned us close to a thousand positive customer reviews, praising our loan officers' patience, efficiency, and professionalism.

Choose CreditMaster as your trusted financial partner and enjoy comfortable repayment schedules and peace of mind knowing you're in good hands.

What loans do CreditMaster licensed moneylender offer?

At CreditMaster, we offer a variety of loan options to help you meet your financial needs. Whether you're dealing with unexpected expenses or looking to fund a business venture, we've got you covered.

For personal use, our personal loans and fast cash loans can provide you with the funds you need to cover unexpected expenses, medical bills, or home repairs. If you're a business owner, our business loans can help you fund operations, purchase equipment or inventory, or expand your operations.

If you have multiple debts that are weighing you down, our debt consolidation loans can help you combine them into one manageable payment. And if you're looking to purchase a new property but haven't sold your current one yet, our bridging loans can help bridge the gap in financing.

We also offer education loans to help students and parents pay for tuition fees, textbooks, and other educational expenses. If you need medical treatment or surgery, our medical loans can help cover those costs. For homeowners looking to renovate or make improvements, our renovation loans can help finance those projects.

No matter what your financial needs are, CreditMaster has a loan option that can help you get the funds you need.

How soon can I get my money?

At CreditMaster, located near Chinatown, we appreciate that when our customers require financial aid, they desire fast and effective loan processing and disbursement. Therefore, we strive to provide our borrowers with a seamless loan application process that guarantees they receive their funds as soon as possible.

Our loan officers work diligently to process loan applications quickly and efficiently, ensuring that all necessary documentation is provided, and accurate information is collected to expedite the loan disbursement process. In fact, we aim to approve and disburse loans within 30 minutes whenever feasible, and our knowledgeable loan officers are always available to address any queries or concerns you may have.

To further hasten the loan disbursement process, we advise our borrowers to have all necessary documents prepared and to provide complete and precise information in their loan application. We will also consider your credit scores and income stability, as these factors can impact loan processing times.

What documents do I need for a loan application?

We understand that providing documentation can be a hassle, which is why we strive to make the loan application process as streamlined as possible. These documents are to help us verify your identity, income, and other important information needed to assess your creditworthiness and determine your loan eligibility.

For Singaporeans / PRs:

  • Proof of identity (NRIC, passport)
  • Proof of income (CPF / bank statements)

For Foreigners:
  • Work Permit / S Pass / E Pass
  • Proof of residence (Utility bills, phone bills, tenancy agreement, etc.)
  • Payslips / bank statements

Why must I meet at the moneylender’s office to get the money?

Our shop, which is conveniently located near Chinatown, is a licensed money lender in Singapore and is required by law to follow specific guidelines and regulations when providing loans to borrowers. One such regulation is the requirement for borrowers to physically visit the moneylender's office to collect their loan funds.

This is because licensed moneylenders must verify the identity of the individual and ensure that they understand the loan terms and conditions before disbursing the loan funds. Meeting the borrower in person at the moneylender's office allows the moneylender to confirm the person's identity and provide them with a physical copy of the loan agreement for their reference.

In addition, meeting the borrower in person allows the moneylender to answer any questions or concerns that they may have about the loan terms and conditions, ensuring that the he/she fully understands their obligations before accepting the loan.

I have a bad credit score and outstanding loans. Can I still apply for a loan?

If you have a bad credit score or outstanding loans, it is very difficult for you to get approved for a loan from a traditional lender like the banks. However, at CreditMaster licensed moneylender we are ALWAYS willing to offer you a loan if you can demonstrate that you have a reliable source of income and the ability to repay the loan on time.

How can I tell whether I'm requesting a loan from a legitimate lender?

Verify the financial institution's name against the Ministry of Law's list of licensed moneylenders. If you're searching for other red flags, a legitimate money lender is NOT permitted to:

  • Use calls, SMS, or WhatsApp messaging to persuade you to apply for a loan with them.
  • Grant a loan through the internet without requiring you to see them in person;
  • Request payment of an installment before you get the whole amount of the loan;

  • Additionally, only the outlets listed below may be used by authorized money lenders to spread their messages:
  • Their websites (beware of con artists posing as authorized lenders on the internet); business or consumer directories; Decals on the windows and shopfronts where they operate
  • Therefore, avoid these unlicensed moneylenders at all costs if you come across any other types of advertising from CreditMaster (such Google Ads or Facebook Ads). Either they are loan sharks or they are scammers
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