- Blk 133 Jurong Gateway Road #01-295 Singapore 600133
- info@sgpcredit.com.sg
- +6466 1157
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Fast, flexible cash from a licensed money lender you can verify – with rates capped by law and terms explained upfront.
When money is needed quickly, the biggest risk isn’t the loan – it’s the lender. Unlicensed operators promise instant cash, then bury borrowers in charges that were never disclosed. A legal personal loan in Singapore works differently: every rate, fee and repayment term is capped and regulated by the Ministry of Law, and you receive it all in writing before you sign.
SGP Credit is a licensed money lender based in Jurong East, holding licence number 10/2026. Our personal loans are multi-purpose cash loans with no collateral requirement, designed around what you can realistically repay. Whether you’re covering a medical bill, consolidating debt, funding a renovation or simply bridging a gap before payday, we assess your situation properly and give you a straight answer fast.
Not sure how much you qualify for? Get a free, no-obligation assessment →
You’ll find it so much easier to choose the right loan for you, quickly and easily
We aim to lend only what you can afford to repay. We stick to the letter of the law and make your life easier, not harder.
You do not end up wasting your time applying for loans everywhere, let us discuss when and how to can get a loan.
Which is better? A loan from your bank/ financial institutions or a loan from a licensed moneylender?
We are committed to protecting your personal information and transactions. You can rest assured your information is safeguarded and protected.
Banks offer attractive rates - if you qualify, and if you can wait. Many Singapore SMEs don't meet the two-to-three-year trading history requirement, or simply can't afford a four-week approval timeline. A legal money lender will never ask for it. If you're unsure about a lender, check the Registry of Moneylenders on the Ministry of Law website before proceeding.
Total borrowing costs – interest, late interest, late fees and admin fee combined – cannot exceed the original principal amount.
How much you can borrow depends on your annual income and residency status. We’ll confirm your exact eligibility during your assessment, and we’ll show you the full repayment schedule before you commit to anything.
Complete the form or apply with Singpass in a few minutes.
We review your application and contact you the same working day.
If you’ve been searching for a legal loan near me, our office is a short walk from Jurong East MRT, inside Jurong Gateway.
Blk 133 Jurong Gateway Road, #01-295, Singapore 600133
Licence No. 10/2026
Mon–Fri: 11:30AM – 7:30PM
Saturday: 11:30AM – 7:00PM
Sunday & Public Holidays: Closed
Walk in during business hours, or call +65 6466 1157 ahead and we’ll have your paperwork ready.
Search for SGP Credit Singapore Pte. Ltd. on the Ministry of Law’s Registry of Moneylenders. Our licence number is 10/2026 and is displayed in our office and in our website footer.
This depends on your annual income and residency status, under limits set by the Ministry of Law. We confirm your exact borrowing capacity during your assessment before you apply formally.
Yes. Foreigners working in Singapore on a valid Employment Pass can apply, subject to income requirements and document verification.
Most applications are reviewed the same working day. Because in-person verification is a legal requirement, funds are disbursed at our Jurong East office once your contract is signed – often within the same visit.
No. Our personal loans are unsecured, which means no collateral and no guarantor is required.
Licensed money lenders report to Moneylenders Credit Bureau rather than to the credit bureau used by banks. Repaying on time builds a positive record; missed payments are recorded and may affect future applications.
Yes. Early settlement is permitted, and we’ll explain exactly how it affects your total cost before you sign. There are no hidden charges for settling ahead of schedule.
Contact us before the due date. As a responsible lender we would much rather restructure a schedule than see a borrower fall into arrears. Late charges are capped by law, and we will always explain your options.