About U Credit: Trusted Since 2010

To be eligible for a loan with us, you must meet the following requirements:

• Age: 21 years and above.
• Residency: Singapore Citizen, Permanent Resident, or a Foreigner with a valid Work Pass (EP, S Pass, or WP).
• Employment: Currently in stable employment with a consistent proof of income.

For a smooth and fast application, please have your Singpass ready. Depending on your residency status, you will need to provide the following:

Singapore Citizens & PRs:

• Original NRIC
• Proof of residence (e.g., utility bill or phone bill)
• Latest 3 months of payslips (if Singpass is not used)

Foreigners Working in Singapore:

• Passport
• Valid Work Pass (E-Pass, S-Pass, or WP)
• Latest 3 months of payslips
• Bank statements showing salary crediting
• Proof of residence (e.g., tenancy agreement)

As mentioned, we pride ourselves on speed. Once you have submitted your application via Singpass and provided the necessary documentation, our officers can typically provide an in-principle approval within 30 minutes. Final loan disbursement will take place at our office once the contract is signed and verified.

No. At U Credit, we prioritise honesty. All interest rates, late fees, and administrative charges are clearly explained and documented in your loan contract before you sign, in full compliance with MinLaw regulations.

While we do consider your credit history, we focus more on your current ability to repay the loan. At U Credit, we evaluate each application holistically, taking into account your stable employment and income to provide a fair lending solution.

Absolutely. As a professional licensed moneylender, we treat your privacy with the utmost importance. All personal data provided via Singpass or in person is handled with strict confidentiality in accordance with Ministry of Law guidelines to ensure your information remains secure.