Money Lender approval in less than 30 minutes

Use our online application form or apply with Singpass Myinfo and your form will be filled automatically with data from various
government departments.
Its secure, fast and easy! Applications using Myinfo are also approved faster!


About 118 Credit

118 Credit is a legal, recognized and licensed money lender here in Singapore. Since 2010, we have provided an extensive range of money lending services for those in need of quick cash, with tailored loan packages for Singaporean residents, businesses and foreigners alike.

Our mission is to offer our clients fast access to emergency cash in times of financial difficulty. Our process is both convenient and hassle-free — no endless paperwork and long loan approval waiting times. Our clients are of utmost importance to us; our team will ensure your loan transactions will go through smoothly and quickly, in order to tide over the difficult times. Our repayments are flexible too — we can cater to specific remuneration dates or agreed on monthly installments.

118 Credit is a legal moneylender, monitored and licensed by the Registry of Moneylenders Singapore (Ministry of Law). Our packages and plans hence adhere to the policies and regulations set by the Moneylenders Act and Rules. You can expect fairness, convenience, transparency and quick responses from our friendly and experienced team.
Clear your debts with 118 Credit Licensed Money Lender

How it works

Apply for a loan

Loan applications are done online in 3 easy steps, completed in 1 minute.

Wait for the response

Once the application is received, loan approvals can be as quick as 30 minutes so standby your phone!

Collect the money

No hidden fees! Approval within 20 minutes with instant cash disbursement in our office!

Licensed Loan Agency in Singapore for all situations

There are many instances in life when you might need fast cash, such as buying a new car, paying for your upcoming wedding, going overseas to study, or paying off hefty medical bills.

Given how expensive it is to live in Singapore, it is completely understandable that you will not have enough money on hand to pay for certain things. Many banks have a lengthy and complicated approval process with many terms and conditions. Worse, you might not even be awarded the loan contract after all that!

118 Credit is here to change that. We ensure that you don’t waste any time when getting your loan. Furthermore, we are licensed by the government. It is very important to take loans from a licensed money lender as they are bound by legal rules. Be it a personal loan or business loan for Singapore citizens and permanent residents or foreigners, we make getting a cash loan hassle-free.

Calculate your loan repayments with 118 Credit Best Money Lender Singapore

Here at 118 Credit, we also take great pride in ensuring our customers are

100% satisfied. So we do not have any hidden fees and interest charges; we are completely transparent and ensure you fully understand any terms and conditions that come with the package before you sign the loan contract.

Why Choose 118 Credit?

Easy Application

With a simple application form, you can immediately apply for a loan with us! No interviews and scheduling of appointments needed. Unlike traditional banks we only require proof of personal id documents.

Approval within an Hour

You will receive approval of your application loan online within an hour. No more waiting for weeks of approval. Just fill out the loan application form here for a quick turn around.

Licensed Provider

There are many unlicensed money lenders such as loan sharks that take advantage of borrowers with ridiculously high-interest rates. It's crucial you only borrow from licensed money lenders recognised by various government agencies and the Ministry of Law.

Low Interest Rates

Rest assured you can get past your financial difficulties because we offer the most affordable interest rates. You may contact one of our loan officers to get a quote and expect reasonable interest rates.

Best Provider of Funds in Singapore since 2010

Loans served daily
Happy customers
Years of experience

Alternative Funds for Everyone

We offer a range of different loan types based on your needs. It doesn’t matter if you have a bad credit history, or low-income, whether you are looking to fund a wedding or get the money to further studies overseas, 118 Credit has a loan package perfect for you!

Apply for a loan with Singapore's
best licensed moneylender!

The process is simple — just enter your basic contact information and the loan amount!

Customer Reviews & Testimonials

Burlington Square, 175A Bencoolen Street, #11-08, Singapore


Here are some of our Frequently Asked Questions that we get from most of our clients. Do take some time browsing through and we hope you may find the answers you are looking for!

How to find us

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