Short Term Emergency Loan Singapore

Girl applying for short term loan

A short term loan is a type of unsecured loan designed to provide you with immediate cash support for a short duration for urgent personal or even business matters. As these loans are unsecured, it means there’s no need to put up a collateral. These loans are tailored to bridge temporary financial gaps, offering you the financial freedom!

Picture this: a medical emergency strikes, your home demands urgent repairs, or a golden opportunity awaits your swift action. Don’t let these moments slip away. Embrace the power of a short term loan, swooping in to save the day! Unlike conventional loans that shackle you with long-term commitments, repayment periods for short term loans are tailored to your convenience, you’ll never feel the weight of long-term commitments dragging you down. Say goodbye to the never-ending cycle of debt and hello to newfound financial flexibility!

We understand that your financial journey is unique, and we’re here to provide the financial fuel you need to reach your goals. Discover our comprehensive loan services such personal loan or urgent fast cash loan for hassle-free access to funds!

Fast Application

Our loan application is easily available for everyone on our website. Applying with Singpass Myinfo would grant you faster approvals!

Highly responsive and helpful team

Our team will contact you regarding your application within a day, or even an hour depending on how urgent your situation is. They will ask more about your situation, inform you of the documents needed, and set an appointment date and time. Feel free to ask our friendly loan assistants any questions they might have and they will happily answer.

Instant Cash Upon Loan Agreement

When you come down to our office, you will meet with the loan assistant with all your documents. They will explain to you all the terms and conditions of the loan agreement, including working out a suitable repayment plan for you. Once you have read and understood everything and signed the loan agreement, you will get your cash immediately. It’s that easy!

Flexible Repayment Schedules

Our loan assistants will look at your documents and income levels to determine what is a comfortable repayment plan for you. We want you to be able to repay the loan with ease, and as such can tailor your package in a way that makes repayment comfortable for you.

Characteristics of Short Term Loans

Features and Benefits of Short Term Loans with 118 Credit

118 Credit allows almost anybody to take up a short term loan. Whether you need it as personal investment, or a lump sum payment for bills, the cash is yours to use.

  • Immediate relief and quick access to funds – We have a very simple application process and minimum requirements, and these criteria are only to ensure that you are able to repay back the loan amount without increasing your financial burdens.
  • One of the biggest pros is that unlike a bank, which will criticise your credit score, collateral, and other factors before considering your eligibility, legal and licensed moneylenders make it easy for you to qualify for the cash loan.
  • Transparent and fair lending practices with no hidden fees
  • Clear communication of terms and conditions

At 118 Credit, we understand that emergencies can happen and sometimes the borrower will need cash fast to solve their personal and business problems. So if you require money fast, we got your back.

Apply for a Short Term 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

What Are The Benefits Of Taking A Short Term Loan In Singapore?

Lesser interest paid over time: The longer you owe money, the longer you’re subject to interest. But with a short term loan, you’ll be paying everything back quicker. Even if the interest rate is actually higher than with a long-term loan, you can save money in the long run.

Predictable cash flow: It can be difficult to anticipate your financing needs in the distant future. Being stuck in a long term loan means you’ll still be responsible for payments far into the future, regardless of what your financing needs are.

More accessible: These loans ensure that financing is accessible even to small time businesses and individual borrowers with poor (or no) credit rating who don’t qualify for bank loans.

Flexible payments: Short-term loans are usually designed to better cater to your needs in terms of the loan amounts, repayment and interest rates. Applying for a short-term loan thus gives you more flexibility.

Eligibility Requirements for Short Term Loan in Singapore

Just because a short term loan has few conditions for eligibility, that does not mean there are no criteria. There are still some documents and proof you will have to show in order to qualify for a loan:

Short Term Loan Requirements

  • Proof of Identification: National Registration Identity Card (NRIC) or Passport
  • Proof of Address: Tenancy agreement or bills stating your address if you do not own a house in Singapore
  • Proof of Employment: You need to provide your employment contract, which should have your salary clearly written out. This will help us assess your finances accurately. This way, we can calculate the amount that you qualify for and the repayment plan that is ideal for you.

The only time that 118 Credit will not extend credit to an individual is when they are already overextended and have exceeded their capacity to borrow.

You will have to show all the necessary documents and proof for eligibility in order for the loan to be approved.


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!

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