About 118 Credit

Situated in a prominent high-rise office tower, our office stands out among numerous licensed moneylenders, offering a discreet and private venue for loan applicants. We understand the importance of safeguarding your privacy, and our commitment to excellent customer service ensures that your information remains confidential. As a legally recognized and licensed moneylender in Singapore, we operate under the regulation and monitoring of the Registry of Moneylenders, a division of the Ministry of Law. You can trust us to provide reliable and responsible lending services while prioritizing your privacy and security.

licensed money lender near bugis

Since 2010, we have operated as a loan agency that provides an extensive range of money lending services for those in need of quick cash and relief, with tailored loan packages and no hidden fees! As a moneylending company with a long history, we have abided by the ever-changing tight regulations imposed by MinLaw to provide good lending practises and to increase the privacy and protection of borrowers.

In 2021, we became a licensed money lender with Singpass Myinfo application services to improve our loan application process to provide a hassle-free experience for you. By constantly improving our operations, we have streamlined the loan process with your best interest in mind! With this integration, application approvals are faster and more efficient. Our loan assistant will be in touch with you to invite you down to our office for additional documents and finally, loan disbursal!


Our loan assistants will do their best to accommodate to your needs while verifying and protecting sensitive information (such as PDPA) about your financial situation and objectives.

Regulated & Licensed

We strictly adhere to the regulations imposed by MinLaw Singapore’s Moneylender’s Act. Aside from banks, only licensed money lenders are able to provide personal loans.

Ethical Practises

Are you confused about different loan packages provided by other lenders? Not to fret, we only provide loans that suits your needs while explaining the terms of the loans clearly. So you can make choose the best repayment plan without being misled!


Changed your mind after approval? Not to worry, you will not be coerced or pressured to accept any loans regardless of the reason, and your loan application will be withdrawn immediately.

About Our Team

Jolene writes the best finance articles


Marketing Executive

Description: With 7 years of experience in the marketing industry and a finance background, Jolene writes articles on tips and tricks on how to manage your finances. She has also invested smartly over the years as she felt that bank interests are too low to grow your money. Looking for finance tips? Look no further than her articles!

Experience: Writing articles for 7 years. Investing in stocks for more than 5 years. Most of her published works are finance related.
Charles is our resident financial Author


Loan Adviser and Data Analyst

Description: Previously employed as a data analyst, Charles noticed that many take up loans without planning their repayments wisely. Unlike banks with their complex algorithms and stringent inquiries, Charles hopes to enhance loan services by licensed money lenders to improve the lives of borrowers by streamlining and data analytics.
Experience: 3 years in the bank. Charles writes most of the articles regarding loans and licensed money lenders. 

Our Service to the Community

How to find us

Phone number

WeCreativez WhatsApp Support
Our customer support team is here to answer your questions. Ask us anything!
👋 Hi, how can I help?