Payday Loan Singapore

What is a payday loan?

Payday loans are loans to help cover urgent expenses when you run into financial emergencies and payday isn’t here yet. It is a short term loan on a small amount. As in no more than a few weeks and a few hundred bucks.

With our payday loan, never stress again about unpaid credit card bills, grocery expenses, house rent or school fees.

After all, life is meant to be enjoyed, not spent agonizing over financial hiccups.

Easy and Quick Application

Our online application form is simple and to the point. No need to download, scan or fax — just apply online and hit “Send”.

Instant Cash Disbursement

We know how urgent the loans are. That's why we give you money in cash right after the payday loan is approved. You can even get it within 20 minutes!

Flexible Repayment Plans

Everyone's problems are unique. So we customise the repayment plan that works best for you. Why? Because we don't want you to be stressed over finances even after the current problems are over.

Great Customer Service

We hold our clients as the number one priority. If you have any queries or concerns, we're always happy to help. You're not alone in this.

A payday loan is just like receiving your paycheck early. So when taking payday loans from a legal and licensed moneylender, you can be assured of honesty and affordable interest rates. We are always here to help.

Apply for a Payday Loan with 118 Credit

Get An Instant In-Principle Approval And Collect Your Money On The Spot!

Apply for a Personal Loan with 118 Credit

Why Should I Take Payday Loans with 118 Credit?

Suddenly received a bill but payday isn’t here yet? Or have to fork out a sum but don’t quite have enough in your bank account?

We understand that you don’t have control over your payday and we want to support you.

But if you’re thinking you can just borrow from a family member or close friend, HOLD ON! Because finances can destroy relationships.

Our payday loan is meant to help you and remove that burden on your shoulders. As legal, licensed money lenders, we adhere to the rules of the Ministry of Law, so rest assured that our interest rates are affordable and loan repayment terms are reasonable.

Fast Cash Payday Loan Eligibility Requirements

To qualify for a payday loan from 118 Credit and any other licensed moneylender, you will need to meet some basic requirements.

Minimum Requirement

  • Above 18 years old
  • Singaporean citizen, Permanent Resident or Foreigner with a valid work pass
  • Full-time employed

Documents Required

  • NRIC or Passport
  • Proof of employment status (last 3 months of your most recent payslip)
  • Proof of billing to your residential address (latest bills eg. phone bills, utility bills, broadband bills)

How Do I Take Out a Payday Loan in Singapore?

Apply for a Payday Loan Singapore online here.

Wait for our team to contact you, this will be done within a day.


Our loan assistant will find out more about your situation and let you know the documents you will need to bring for an appointment at our office.

The mandatory documents needed will be:
  • NRIC or Passport
  • Singpass (Compulsory for Singaporean and PR)
  • The last 3 months of your most recent payslip
  • Proof of billing to your residential address (E.g. Utility bill, broadband bill, or mobile phone bill)
We do not ask for these documents in the online application as we know these are personal details that should not be shared via the Internet. 118 Credit holds clients’ information with integrity, and we will keep your data safe.

You will meet our loan officer at our office.


We’ll go through the loan agreement, including all terms and agreements and other fees. There’ll be no hidden charges, we are fully transparent with everything. Then we’ll work out a loan repayment schedule that is comfortable for you.


Oh yes, you’ll love this about us… there are no hidden charges! What you see is what you get.


Once you agree to the terms and conditions, are aware of all fees, and have a repayment schedule, you will sign the loan agreement.


Within minutes, you’ll receive the money in cash or via internet bank transfer to your account of choice. Done!

Apply for a Payday Loan with 118 Credit

Get An Instant In-Principle Approval And Collect Your Money On The Spot!


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!

Money Loans Offered in Singapore

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, the best money lender for you is 118 Credit!

How to find us

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