Licensed Money Lender in Singapore | Regulated by the Ministry of Law (Licence No. 149/2025)
Apply For A LoanApply for Your Loan Online in Minutes
Complete our online form, and the professional team at U Credit will personally review your application to provide a loan solution tailored to your needs.
Benefits of Applying Loan with U Credit:
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Receive transparent loan terms, clear interest rates with no hidden fees.
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Get same-day in-principle approval quickly when you apply with Singpass.
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Work directly with our licensed professional team at our U Credit office.
Trustindex verifies that the original source of the review is Google.Singapore’s Preferred Choice
- 15+
Years of Experience
Satisfied Clients
- 30
Minute Approvals
Need Assistance with Your Application? Contact Us
If you have questions about our loan products or require help completing your online application, our team is ready to assist. Reach out to our Bencoolen office directly for expert guidance and clear answers to your financial queries.
Official Contact
Official Enquiry
Operating Hours
Open Monday to Saturday: 11:00 am – 8:00 pm
Closed on Sundays and Public Holidays
Visit Our Licensed Money Lender Office
at The Bencoolen
Getting to U Credit
By MRT (Nearest
Stations)
Take Exit B. It is a steady 8-minute walk along Bencoolen Street to our office at The Bencoolen.
Use Exit A. Approximately a 5–8 minute walk via Prinsep Street to Bencoolen Street.
Use Exit A. Approximately a 5–8 minute walk via Rochor Road.
Use Exit E, approximately a 9-minute walk from the station.
By Bus (Nearest Stops Along
Bencoolen Street)
Just a 1-minute walk.
Buses: 64, 65, 139
Approximately a 3-minute walk.
Buses: 56, 131, 147, 166, 857, 980
Frequently Asked Questions About the Application Process
We aim to make your borrowing experience as smooth as possible. Below, we have answered the most frequent questions regarding our loan application process to help you get started with total clarity.
As a licensed moneylender, we require your NRIC (for Singapore Citizens/PRs) or Passport and Work Pass (for Foreigners). We will also need your latest 3 months’ payslips and bank statements. Foreigners must additionally provide proof of residence, such as a recent utility bill, tenancy agreement, or official letters showing your residential address. For the fastest verification, we recommend applying online via Singpass.
When you apply via our online form, our team at U Credit typically provides an in-principle approval within minutes. Once you visit our office for face-to-face verification and the signing of your loan contract, the cash is usually disbursed on the same day.
Absolutely. Your privacy is our priority. We use high-level encryption for our online form and strictly follow data protection guidelines in compliance with Singapore’s data protection laws and the regulatory requirements for licensed moneylenders. All applications are handled with the highest level of confidentiality to ensure your personal information remains secure.
Yes. Unlike traditional banks, U Credit looks beyond just your credit score. We assess your current ability to repay, making it possible for us to offer bad credit loans to individuals who are working toward financial recovery.
No. Submitting an application through our website is completely free. We do not charge any “processing fees” or “upfront fees” for reviewing your eligibility. Any applicable administrative fees are only charged upon the legal approval and signing of your loan contract.
