Licensed Money Lender in Singapore | Regulated by the Ministry of Law (Licence No. 149/2025)
Apply For A LoanCredit & Cards
What Credit Score Do You Need for a Loan in Singapore?
Personal-loan baseline: Most lenders want a credit score of 1,400+, while 1,600+ secures lower rates. Car-finance sweet spot: Aim for 1,500 or higher to show low risk on big-ticket vehicle loans. Mortgage advantage: Scores above 1,600...
Loans vs. Credit Cards: Which Is Better for You in Singapore?
Predictable budgeting: Personal loans give fixed instalments, letting Singapore borrowers forecast cash flow better than credit cards’ fluctuating minimum payments. Lower borrowing cost: Personal loan rates average 6–13 % p.a., sharply undercu...
Why It Is Not Advisable To Get A Cash Advance + Alternatives To A Cash Advance
Cash advances have high fees (up to 6%) and steep interest rates (29% p.a.) with no grace period, making them costly. They impact credit scores negatively and offer no rewards. Better alternatives include personal loans, salary advances, borrowing fr...
What Are Robo Advisors In Singapore And Are They Safe To Invest In?
Robo advisors in Singapore offer low-cost, automated investment solutions using algorithms to manage portfolios. They provide diversification, portfolio rebalancing, and accessibility, with platforms like StashAway, Syfe, and Endowus leading the mark...
Buy Now Pay Later (BNPL) vs Credit Cards Interest Rates
BNPL schemes offer 0% interest with timely repayments but lack MAS regulation, posing risks without consumer protections. In contrast, credit cards provide flexibility and rewards but can incur high interest if balances linger. Ideal for short-term p...
Using Credit Cards vs. Taking A Personal Loan From A Licensed Moneylender
Credit cards are suitable for small, frequent expenses, offering flexibility, rewards, and short-term interest-free credit, but come with high interest rates and hidden fees. Personal loans from licensed moneylenders are ideal for larger purchases or...
Which Are The Best Rewards Credit Cards In Singapore?
Explores the best rewards credit cards in Singapore categorised by cashback, travel miles, and online shopping benefits. It highlights top cards like UOB One Card, DBS Altitude Visa Card, and OCBC 365 Card, focusing on annual fees, key benefits, and ...
7 Best Ways To Accumulate Credit Card Miles, Fast
Highlights key strategies for earning miles efficiently, including selecting the right credit card, leveraging sign-up bonuses, maximising everyday spending, and spending strategically overseas. Additional tips include reclaiming missing miles, utili...
How to Pay My Credit Card Bill: DBS, UOB, Citibank, OCBC and More
Paying your credit card bill can be efficiently managed using several methods. For DBS, UOB, Citibank, OCBC, and other banks in Singapore, options include internet banking, ATMs, GIRO, cheques, and in-person payments at bank branches. Setting up auto...
How Do I Increase My Credit Card Limit?
Increasing your credit card limit in Singapore involves understanding factors like income, credit history, and existing debt. Key steps include negotiating a temporary limit increase, requesting a credit limit review with proof of increased income, m...
What Is The Money Lender Credit Bureau?
Was your loan application rejected again? If so, you may be wondering what was wrong with it. The answer may lie in your loan information report from the Moneylenders Credit Bureau (MLCB). If you are wondering what is money lender credit bureau, t...
Which Student Credit/Debit Card Fits You Best in Singapore (2021 Update)
Most students have the common misconception that: “I can only apply for a credit card once I’ve started working”. This is because credit cards are aimed at those who are currently holding a job that hit the minimum income requirement to qualify...
Still Have Questions, or Ready to Apply Now?
If you’re looking for a reliable, licensed money lender in Singapore, look no further. Complete our loan application form beforehand and visit our office to finalise your loan contract with ease.
