Loan Agency - Money Lender in Singapore


  • Short-Term financing for urgent personal needs.
  • Customised packages.
  • Full transparency, term and condition explained.
  • Fast approval, cash within the same day.

Personal loans are loans that are sought for and taken out by qualified individuals in Singapore for personal purposes. Global economic uncertainty stifles a country’s growth, making it more difficult for homeowners to get low-interest personal loans. Banks are becoming more strict, making credit more difficult to get for those with bad credit ratings. All of this, along with increased financial demands and pricing, makes life unpleasant.


A personal loan is a good place to go if you need money quickly. They can be taken out or applied for by anyone, whether they are from a low-income or a high-income family. The advantage of personal loans is that the borrower can enjoy a lot of freedom in terms of how he spends his money since it is not used for business purposes.


We will not be able to foresee the future or any potential catastrophes. Accidents sometimes happen, such as unanticipated vehicle repairs or medical costs for your loved ones, and in these cases, a personal loan might assist.

  • Convenient access to cash loans.
  • Flexible tenures and rates.

A fast, urgent cash loan is a sort of personal loan designed to help people in times of need. You may not have budgeted for issues such as automobile repairs, or you may have gotten unexpectedly large energy bills that demand quick attention. A fast cash loan is meant to meet your financial demands regardless of your situation.


Fast cash loans are also offered at a fast pace so that you can go to the bank or financial institution without any hassle and get your money. Because there are no extensive credit checks on bank statements, those with negative credit will not be turned down for a quick cash loan. All you have to do is apply online for an urgent quick cash loan, and our team will respond within one hour, allowing you to receive your cash loan. The interest rates tend to be high as well, but they are usually short-term loans and are meant for emergencies only, not for daily purchases.

  • Short-term loan on a small amount.
  • Fast cash solution to urgent expenses.
  • Flexible repayment plans.

A Payday loan falls under short-term loans where it is used to cover unexpected costs when payday hasn’t arrived. The amount that you can get from the loan may be minimal and only for a brief period of time. In other words, a few weeks and a few hundred dollars.


The main advantage of these loans is related to their quick and simple application. It doesn’t take long (the whole process only takes about 15 minutes), and they are widely available and easy to get access to. Any company that wants to offer this type of credit can do so without a special permit or license. Some people regard these loans as predatory, especially because they usually charge very high-interest rates and have very strict repayment conditions and schedules.


Never worry about overdue credit card payments, grocery bills, housing rent, or school fees again with our payday loan. After all, life is supposed to be lived, not spent wallowing in financial woes.

  • Specialised personal loan for foreigners.
  • Affordable loans with low interest rates and flexible repayment schedules.
  • Custom package with quick and easy process.

A foreigner loan is a cash loan made to those who are neither citizens nor permanent residents of the country. Because this is a specialized personal loan for foreigners, certain qualifying requirements and documentation are necessary.


The main advantage of this type of credit is that it can be used by foreign people who want to start a business, buy or build a home or even settle down and get adjusted to their new life as a citizen of the country. These loans also offer good rates of interest and are easily accessible – which is a big benefit for foreigners who wish to invest in Singapore but don’t have a lot of money.


Above all, 118 Credit’s Foreigner Loan Singapore packages include low-interest rates and flexible payback schedules. We provide the cheapest loans to help you stay financially secure, whether you’re an expat or a foreign worker.

  • Fast loan approval with transparent prices and lower interest rate.
  • Licensed by the Monetary Authority of Singapore.

A renovation loan helps to provide you with the money you need to complete your home modifications. They offer lower interest rates than personal loans and a loan term ranging from one to five years. You make monthly instalments to pay off the loan amount at the end of the loan term, just like any other house loan or term loan.


However, a lower interest rate means you’ll be limited in what you may utilize the loan for. Please keep in mind that the funds will be sent straight to your interior designer or contractor.


The advantage of a renovation loan is that it can be used to improve the house of a person that already owns a home. This type of loan can allow people who live in their homes to make several improvements or fix some part of it if something is damaged and needs fixing (for example, the kitchen).

  • Private lender catering your specific needs.
  • Affordable interest rate for wedding loan in Singapore

This wedding loan is a hybrid of a personal loan and an instalment plan that you may use to pay for your wedding expenses. And unlike personal loans from the bank, which are not tailored to a specific purpose, wedding loans are created expressly for couples planning to get married. Traditional money lenders also don’t offer wedding-specific loans. Even if they do, the loans come with a slew of strings attached, adding further stress to a couple that is already overburdened with preparations! As a result, private lenders such as 118 Credit have stepped in to meet your unique requirements.


The advantage of wedding loans is that they can be used by both the bride and the groom. The repayment of this loan usually starts from the first salary check that the couple receives after they get married. The repayment is managed according to their monthly income and needs so that there are no complications when it comes time to pay up.

  • Unsecured loan taken by people with bad credit ratings.
  • Tailor loan packages
  • No income restrictions, no checks on bank statements or credit score.

A bad credit loan offers a great way for people with poor credits to settle down without having to go through humiliating paperwork processes, which makes it easy for them to get their finances back on track. This form of loan gives you the opportunity to improve your credit score or even build it up if you don’t have one already. These loans can be easily accessible and offer low interest rates, which are great for those who want to start building or rebuilding their credit from scratch.


The only downside of these types of loans is that you might need some collateral if you have a really bad credit history, but as long as the borrower doesn’t default on their payments, they will have an easier time obtaining a good rating in the future, and this helps to make it easier for them to get approved.

  • Fixed interest rate.
  • Quick and efficient process.
  • Used for short-term and long-term.

A monthly instalment loan is similar to a personal loan in that it is repaid monthly. It’s a lump sum that you may borrow at a set interest rate for a year or longer. You can spend the loan money for whatever you choose after it’s been disbursed. Throughout the loan’s term, you’ll make a fixed monthly payment of principal and interest, with the monetary value remaining constant.


This type of loan was made available by a number of financial institutions in Singapore because they wanted to help people get out of the “dead-end street” when it comes to finances: many people have encountered situations where they have no money because they can’t find a job or lost their jobs. This type of loan gives people the opportunity to start over and make a fresh start in life without any problems.


In general, monthly instalment loans should be used for big, unexpected, and/or unavoidable expenses that must be returned over a lengthy period of time.

  • Fast application with minimum requirements.
  • Comfortable repayment plan.

A short-term loan is a form of loan that is planned to be paid back in a short period of time. This loan can come in handy when you have no money and need some quick cash.


Financial institutions usually offer loans from $200-$1000, depending on the amount that you apply for. Although this loan has higher interest rates than secured loans, the advantage of these types of loans is that they are very quick to get approved. Many people who want to take out this type of loan don’t have to wait more than two days until they receive their money, making it a great way to pay bills quickly or purchase something important without worrying about the price.


Because the borrower doesn’t need collateral, paperwork, nor credit checks, anyone can access this type of loan, and since it is short-term, the borrower will have an easy time paying off his loan in a couple of weeks.

  • Interest rate is low for our consolidation plans.
  • Loan tenure periods up to 10 years.
  • Customized package with comfortable repayment method.

In Singapore, debt consolidation loans are programs to help you save money and get a reduced interest rate on all of your debts. These loans were first launched in 2017 to assist Singaporeans and permanent residents with numerous unsecured loans. You must pay your monthly repayments on time, just like any other financial commitment, or you will incur fines and costs. You may also face legal action, which may make it more difficult for you to apply for a DCP in the future. Debt consolidation loan programs allow you to be more frugal with your money and better manage your finances.


Debt consolidation loans have a lower interest rate than a personal loan or, in some cases, no interest at all. This makes it easier for people with bad credit to deal with their finances because they won’t have to worry about repaying high interests with every single loan payment that they make.

  • Home loans for both HDB and private property future owners.
  • Competitive interest rates.

A housing loan, often known as a mortgage loan, is a loan used to finance real estate acquisition. Because the loan amount is substantially greater, the loan terms are also significantly longer than other loans. It is possible to obtain this type of credit provided the borrower has a good amount of money for a down payment, and it must be specified how much money will be used when it will be repaid and at what interest rate. For new home purchase or refinancing of a property, there are generally two types of house loan rates: fixed rate and floating rate loan packages.


The advantage of a housing loan is that it can be used by anyone that already has a job and a stable source of income. This is because the bank will have the means to ensure their debt in case something were to happen to their borrower (like losing his job or getting sick, for example).

  • SME working capital loan and micro loan packages for startup, small or larger businesses.
  • Fast Approval, cash disbursed on the spot.
  • Customise loan products with flexible repayment periods.

Business loans are widely used in the entrepreneurs’ world, and this is because they offer a lot more benefits than traditional bank loans. Among them are those related to legal issues regarding bankruptcy. The main challenge for a business owner who uses these kinds of credits is making sure that the money invested or lent was used correctly – if it weren’t, they could be sued by their investors.


Whether it’s increasing funding to progress your business or financing your new startup, there are many threats to take on and many expenses and also procedures you need to accumulate. As if that’s not difficult enough, obtaining a bank loan in this tough business setting seems to be difficult for numerous SMEs.


118 Credit comprehends this situation. We know how it can be challenging to run or begin a business. You can select from our range of SME working capital finances and SME microloan plans for small companies or investment business loans for bigger businesses.

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