Trusted Licensed Money Lender in Singapore
Fast, Reliable, and Legal Loan Solutions for All Your Needs
Get the numbers you need here.
Your Go-To Licensed
Money Lender and
Credit Company
Shenton Credit is a legal, recognised and licensed money lender here in Singapore. Since 2010, we’ve been a trusted provider of comprehensive money lending services, offering quick cash solutions with personalised loan packages for Singaporean residents and businesses.
Whether you’re dealing with medical emergencies, planning a wedding, or managing multiple debts, our expert team is here to support your journey. Every loan is tailored to your situation, with fair terms, transparent interest rates, and no hidden costs.
We aren’t just another credit company residents in Singapore can count on—we’re your long-term partner in financial empowerment. Regulated by the Ministry of Law, Shenton Credit is committed to ethical lending and community engagement, helping you move forward with confidence and clarity.
Reliable Credit Company in Singapore — What You Need to Know
Difference Between Licensed and Unlicensed Money Lenders
Licensed Money Lender:
- Registered with the Ministry of Law
- Offers clear, transparent contracts
- Adheres to regulated interest rates and ethical practices
Unlicensed Money Lender:
- Operates illegally, without government registration
- Frequently uses intimidation or harassment
- Engages in shady practices like hidden fees and unclear repayment terms
How to Identify a Legal Money Lender in Singapore
When choosing a legal money lender, always:
- Check the MinLaw official list
- Look for a physical office address in Singapore
- Ensure interest rates and fees are clearly stated before you sign
- Avoid lenders who contact you via SMS or WhatsApp—it’s a red flag
Ministry of Law Regulations for Licensed Lenders
All licensed money lenders in Singapore must comply with:
- A maximum interest rate of 4% per month
- Late interest capped at 4% per month
- Loan caps based on borrower’s income
- Full disclosure of fees, including admin and late charges
You can read more on borrowing from licensed moneylenders from the Ministry of Law.
Tip: Be aware of scams. The Singapore Police Force warns that many unlicensed money lender syndicates use aggressive tactics and phishing messages. Always deal only with registered lenders like Shenton Credit.
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Our Loan Service
Don’t Stress, We'll Provide Solutions
Our Money Loan Services
Get the funds you need for what matters most with our personal loans. From home improvements to unforeseen expenses, we’re here to assist you.
Fill short-term financial gaps with our efficient bridging loans. Whether you’re awaiting funds, or need short-term loans in Singapore, we’ve got the solution.
Streamline your finances with our effective debt consolidation loans. Whether you’re juggling several debts or seeking a more manageable repayment plan, we’re here to help.
Say “I do” to your dream wedding with our flexible wedding financing. Whether you’re envisioning a grand celebration or an intimate affair, we’re here to make it happen.
Get the cash you need, when you need it most, with our fast urgent cash loans – No questions asked.
STRESS-FREE FINANCING OPTIONS
Why Borrow from Shenton Credit From Start to Finish?
At Shenton Credit, we understand that life is filled with unexpected financial challenges and opportunities. That’s why we’re your trusted source for financial assistance, providing you with all the support you need. As a licensed and regulated moneylender, we are committed to serving your unique borrowing needs with expertise you can trust, along with transparent and flexible solutions.
FAST AND EASY APPLICATION
AVAILABLE ANYTIME, ANYWHERE
TRANSPARENT AND FAIR SERVICE
OVER 20 YEARS OF EXPERIENCE
How to Apply for a Loan
The process is easy!
Applying for a loan from a legal moneylender or credit company in Singapore is straightforward. Here are the steps to follow:
1
Check Eligibility
Ensure you meet the basic requirements, including age and income level, for a money loan in Singapore.
2
Prepare Documents
Gather essential documents, including ID, proof of income, and address verification.
3
Submit Application
Fill out the application form online or head on down to the credit company.
4
Receive Your Funds Instantly
Review the loan terms provided. Upon acceptance, receive your funds promptly. At Shenton Credit, we’re committed to providing a fast and transparent borrowing experience.
At Shenton Credit, we’re committed to providing a fast and transparent borrowing experience.
Eligibility Criteria for Money Loan
Eager to apply for a money loan from a trusted financial institution in Singapore? Here’s how to determine if you qualify:
- General Requirements: Be at least 21 years old, and a Singapore Citizen or Permanent Resident.
- Income Criteria: Minimum annual income requirements vary depending on loan types.
- Loan-Specific Conditions: Certain loans may require collateral or additional verification.
If you don’t meet the criteria, contact us. Here at Shenton Credit, we offer guidance on exploring alternative borrowing solutions to meet your specific needs.
Learn more about eligibility on our Eligibility Criteria page.
Our happy customers
We’ve Helped Thousands Of People.
We’re all about offering the best financial support. Hear directly from our satisfied customers and discover the impact we’ve made.
Jason Lee
“Amazing service! Got the loan I needed quickly and hassle-free. Highly recommend!”
Amirah binti Zain
“Thank you for making the loan process so smooth and easy. Great rates and friendly staff!”
Farhan bin Yusof
“Very impressed with the professionalism and efficiency. Will definitely return for future financial needs.”
Frequently Asked Questions
You ask, we answer
How do I check if a money lender is legal in Singapore?
You can verify a lender’s legitimacy on the Ministry of Law’s official list of licensed moneylenders. Shenton Credit is proudly listed and fully compliant with local regulations.
What documents do I need to apply for a personal loan?
For a smoother process, prepare your NRIC or FIN, proof of income (e.g., payslips), and residential address verification. You can start your application online through our Personal Loan page.
Can I take a loan with bad credit in Singapore?
Yes, at Shenton Credit, we offer Personal Bad Credit Loans designed to assist borrowers with a less-than-perfect credit score. Terms and eligibility will vary depending on your financial situation.
Are there hidden fees with your loans?
No. As a licensed money lender in Singapore, we practise full transparency. All interest rates and fees are clearly stated upfront before you sign. You can use our Loan Calculator to estimate your repayments.
Can foreigners apply for loans in Singapore?
Yes, foreigners with valid employment passes may apply for selected loan types. Reach out to us directly for more information.
Do you offer fast loans for urgent needs?
We do. Our Payday Loans and Fast Cash Loans offer quick disbursement to help you bridge emergencies swiftly—often within hours of approval.
Is there a loan option to pay for my medical expenses?
Yes, you can apply for our Medical Loan which is specially designed to ease the burden of unexpected healthcare costs with flexible terms.
What are my options if I need to consolidate multiple debts?
Our Debt Consolidation Loan helps you merge various repayments into a single plan. This makes your finances more manageable with one monthly payment and lower interest rates.
Are there financing options for life events like weddings or holidays?
Absolutely. We offer tailored Wedding Loans and Travel Loans to help you celebrate milestones or plan a well-deserved getaway without financial stress.
Where can I find reliable advice on loans in Singapore?
Our blog provides helpful guides on borrowing responsibly, understanding loan types, and navigating your finances in Singapore. Stay informed to make smart financial decisions.
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