Licensed Money Lender Singapore Located in Orchard | Open on Mon – Sun 
FAST CASH PERSONAL LOAN
License No: 20/2021
Always ready to extend a helping hand to offer you financial assistance
Get your loan approved in less than 30mins
Honours and Achievements
Over 280 
reviews on 
&
239 
reviews on 
You ask. We listen. We solve it together.
Setting Your Finances Towards A Better Solution.
Looking for the best solution to your financial difficulties? A licensed money lender Singapore that everyone can trust is hard to come by, and even harder to believe. But that’s what we are.
We aim to give the best of money lending offers to our clients – making our procedures faster and simpler, having in-depth discussions and consultations to help you decide wisely.
On top of all, educating and informing our clients on the available options included personal loan, business loan, payday loan, bridging loan and foreigner loan, for them in easing their financial burdens with the loans that fit them.
Type of Loans
We have different kinds of financial assistance for different needs! If you are unsure about the loans, feel free to call us at 6222 5500!
You take care of what’s important.
We’ll handle the finances.
There is only so much you can do alone without help. That’s why we are here to offer you financial assistance.
Simply put, we care. We care for all our customers and want the best for them. Choosing the best loans during financial difficulties isn’t just picking a loan type and finding out if you can afford the repayments.
More than that, as a licensed money lender in Singapore we ensure that you have not only a hassle-free experience, but also a quick, transparent, and secure process.
Without any hidden charges and contract fallacy – our friendly loan officers always look forward to helping you accomplish your financial goals with the low and best interest rate for you!
Want to get a loan with us?
Follow these simple steps below!
1. Call or Apply Online
Give us a call at 6222 5500 or fill up your details on the application below to set an appointment with us at your convenience
2. Visit Our Offices
Visit our office and create a customized loan plan specially for yourself
3. Sign the Loan Contract
Understand the terms & conditions and then sign the loan agreement
4. Receive Your Cash
Receive your cash loan within an hour!
Why Choose 365 Credit Solutions?
Same Day Cash Loan Approval
- Apply Today
- Approved Today
- Cash Today
We Have Low Interest Rates!
Up to
1%
per month
Terms and Conditions Apply
We Are Fast
Your loans are processed within 1 Hour
Google REVIEW RATING
Joseph was professional. As a first timer taking a loan, he gave me clear advice and went through the contract making sure I understand them fully. Despite arriving very late (almost end of business hours), he attended to me patiently and calmly. Thank you Joseph for your great service!
Dreamer Space 
Thanks Mr Joseph for his help as this is my first time borrowing amount from credit company and he had guide me through and also explained all info in detailed to let me understand more how the procedures goes he is very helpful and kind understanding to help with my issues thank you!
吴WTF 
Mr khor as been explain everything to make me understand more and he is very friendly to answer each question that has been ask from me as this is my first time taking loan.. thanks so much...
Siti Juriah
365 Credit Solutions: Best Licensed Moneylender Fast Cash Personal Loan Singapore Orchard
14 Scotts Road #03-64 Far East Plaza, Singapore
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3 months ago My first experience stepping into 365 Credit Solutions. I must say, I am extremely impressed with their service. They are very friendly and warm.
Ms. Low and Mr. Joseph are both very detailed and explained everything to ensure I understand the payment process. I must say, I don’t feel awkward at all. Nice ambience and they assisted me with all my concerns.
I highly recommend to whoever needing … More a loan as they are very attentive.
Thank you very much! -
2 weeks ago Joseph was professional. As a first timer taking a loan, he gave me clear advice and went through the contract making sure I understand them fully. Despite arriving very late (almost end of business hours), he attended to me patiently and calmly. Thank you Joseph for your great service! -
a month ago I have always turned to them if I need some financial boost from time to time. I have known this company for more than 3 years. All of their financial advisors are polite, friendly and immediately will put you at ease... Today I was assisted by Mr Khor, who was so understanding and empathetic and made the process once again, a very smooth one. Am so grateful and appreciative of his help from the start. … More Strongly recommended if you need help as they are also very transparent with their charges. Thank you again 365 credit! 😍 -
2 weeks ago Thanks Mr Joseph for his help as this is my first time borrowing amount from credit company and he had guide me through and also explained all info in detailed to let me understand more how the procedures goes he is very helpful and kind understanding to help with my issues thank you! -
a month ago Mr khor as been explain everything to make me understand more and he is very friendly to answer each question that has been ask from me as this is my first time taking loan.. thanks so much... -
2 months ago Mr.koh the consultant worker is very good service, and the company is legal by follow government law. Nice service and they process so fast. Highly recommended -
4 months ago It was my first time approaching a money lender and was a bit hesitant about it. But happened to meet Mr. Khor there, a very polite and considerate person, who guided me through the process comfortably. Though I only managed to secure half of the amount that I needed (due to quota issues) but I was quite happy with the service provided and the process was seamless. Mr. Khor also helped to split the … More amount into 5 installments as per my repayment capacity, which was very helpful. Looking forward to establishing a good credibility with the team and will highly recommend 365 credit for those looking for immediate financial assistance. Thanks! -
6 months ago I would like to compliment 365 Credit Solution for their quality service.
It was my first time, visiting them.
I was attended by Mr Khor.
He was very informative and also sociable.
He explained in details all the things that I need to know and it was very useful. 👍
Thank you for all the assistance. 😊 -
3 months ago There service is very good ..good response from Mr.Khor..I'm getting loan for the 1st time ..little bit fear but comes here I feel good & safe ..thanks for the good service -
6 months ago Very professional. Explains the process and payment details thoroughly. Stress free application process done by Mr Khor. No hidden cost and ensures all documents are transparents. Very reliable & highly recommended. -
5 months ago As a first time visit, it was a great welcome. Attended by Mr Khor a very friendly person.. highly recommended to him.. A very patient and understanding guy.. -
4 months ago Professional. Was attended by mr Khor , very friendly and help me quite abit . Excellent service from him -
6 months ago Mr Khor is really helpful and patient in attending to my questions and answering them. He has explained all that I need to know about repayments and check with my comfort level on any loan matters. Really appreciate his help! -
5 months ago Friendly Staff by the name of Ms Low , she explained in details with patience regarding the loan I’m applying for . Awesome! -
6 months ago I was served by Mr Joseph, he is very patient and friendly. Explained the details clearly thru out the process. Great customer service -
7 months ago I specifically requested to be attended by Mr Khor due to the good review. He is humble and kind enuf to explained everything in details. Highly recommend. Thank you. Yanj -
11 months ago Greetings Mr khor,
He is good and friendly and approachable to deal with his customers or clients. Very nice and humble guy. Explained and talk to a nice a well mannered. Most respect goes to him -
8 months ago Mr.Khoir is very reliable and nice. Able to assist me in loan up to my suitable budget. -
11 months ago Mr Khor explained to me very well for the repayment of my loan. A very realistic person when comes to advising his customers. The services he have rendered was very helpful and no doubt the best. Thank you Mr Khor!. -
11 months ago Greetings Mr khor,
He is good and friendly and approachable to deal with his customers or clients. Very nice and humble guy. Explained and talk to a nice a well mannered. Most respect goes to him -
11 months ago Would like to complement them for quality service. Special thanks to Mr. Khor. The service is highly recommended. -
11 months ago Mr Khor, excellent service. Thank you very much. -
11 months ago Have been a regular there for years and the staffs there are very friendly and accommodative who always provide and excellent personal loan service for me whenever I approach them. The best licensed moneylender in Singapore. -
a year ago Flexible company! Mr Khor is very helpful and have been very patient with me all along : ) Highly recommended! -
11 months ago Mr Khor, excellent service. Thank you very much. -
a year ago Nice place to borrow from. Staff and environment is good. No stress. Explain everything in detail. -
a year ago Went down and was promptly attended by Ms Gladys.
She was friendly and knowledgable. She also advise me accordingly with the different repayment plans which i find is very useful. Talking to her was more like conversing with your own friends. In fact, the staffs there are all friendly and will talk to u too. 365 Credit will make your visit as seamless and comfortable as possible with their staff awesome … More customer service. Thank you for all the assistance. -
a year ago I’m really touched by the flexibility that 365 Credit Solutions can provide. I was not able to commit to the 1st installment repayment upon due date. I called and explained the situation that I’m facing and promised that I will increase my 2nd repayment. To my surprise, they agreed. THANK YOU.
I also wished to compliment Cecilia, she is attentive and willing to listen to my grumble when I was … More there for the loan. I can really feel her sincerity. -
a year ago Mr Joseph was friendly and helpful when I was applying for loan. He guided me with the process and gave a better solution to help in applying my loan. Such a great service provided by them. -
a year ago The people working there are kind and helpful. I saw served by Jason. He was very informative and also sociable. The services I received were not dissapointing even though it was my first time. I appreciate their assistance for helping me. Thank you so much for your help and I hope to work with you in the future.✌ -
a year ago I’m back again and requested to be served by Cecilia as I was served by her when I was there a few months back. I feel very comfortable and happy with her patience and explanation. Not that I’m not happy with the rest of the staffs. Overall the staffs there are friendly as they do smile at you when you enter. No regrets going there and will recommend friends in future 🤗.
MONEY LENDING FREQUENTLY ASKED QUESTIONS
Can I apply for a loan over the phone or online?
Yes, you can! We’ve made it very easy for anyone looking for a loan to apply with us. Simply fill out the form on our website and our friendly staff and loan officers will give you a call as soon as possible to discuss your application in further detail.
However, our loan officers would require you to come into our office in order to sign the loan contract with us before we can disburse the loan amount to you.
How much can I borrow?
There are a number of factors that determine how much you can borrow from us. For secured loans, a borrower can borrow any amount of loan from us.
An unsecured loan taken out would be subject to a few restrictions.
Singapore citizens or PRs with an annual income of less than $20,000 can only loan up to $3,000 with us. If your annual income is $20,000 and above, you would be able to loan up to six times of your monthly income.
Foreigners or expats working in Singapore would only be able to loan up to $500 with us if you are earning less than $10,00 a year.
If your annual income is above $10,000 but below $20,000, you would be able to loan up to $3,000 with us. If your annual income is $20,000 and above, you would be able to loan up to six times of your monthly income.
How quickly will my application be approved before I receive the money?
Very quickly indeed! We pride ourselves on giving you excellent service with quick, high approval rates and low-interest rates on the loan repayment plan.
Once you’ve submitted all the necessary documents along with your loan application, it would only take us an hour to approve your application.
What are the fees & interest rates a money lender in Singapore can charge to me?
A licensed money lender in Singapore or legal money lender in Singapore can only charge a maximum interest rate of 4% per month for personal loans as mandated by the Ministry of Law. This maximum applies regardless if the loan is secured or unsecured.
In addition, all licensed money lender in Singapore or legal money lender in Singapore can also only charge a maximum late interest rates of 4% per month for each month the loan is repaid late. The interest rates can only be charged based on the principal remaining after deducting the original payments made.
Furthermore, only the following fees and interest rates can be charged by money lenders in accordance with the Ministry of Law:
- a fee not exceeding $60 for each month of late repayment;
- a fee not exceeding 10% of the principal of the loan when a loan is granted; and
- legal costs ordered by the court for a successful claim by the legal money lenders for the recovery of the loan
The total charges imposed by a money lender in Singapore on the loan’s interest, interest rates, late interest, upfront administrative and late fee cannot exceed an amount equivalent to the principal of the loan.
Can I pay off my loan early?
Yes, you can! 365 Credit Solutions absolutely encourages all our clients to repay their loans early if they want to.
I have taken a loan with another bank/lender. Can I still get a loan with you?
Yes, you can! Having another loan application will not be an issue when taking out loans with us as we understand that many of us have more than one loan to our names these days.
When approving your personal loans and other types of loans, we would only look at your net income after the deductions are made to your loans. While this would lower the amount and affect interest rate we can offer to you, it would ensure that you would be able to meet all your financial obligations instead.
Will my loans be approved if I have a bad credit history?
Yes, it can! We do not solely take into account your credit score, merely your ability to service your loans. However, we would also like to add that having a higher credit score would allow you to receive low interest rates and higher loan amounts when taking out a loan with us.
How do I know if the licensed money lender is licensed or unlicensed?
The Ministry of Law have strict rules governing money lending Singapore. A licensed money lender must follow all the rules and regulations set forth by the Moneylenders Act.
Licensed money lenders like 365 Credit Solutions strongly suggests that you must always verify if the money lender is licensed by checking the list of licensed money lenders by the Singapore Ministry of Law. Click here to access the list of licensed moneylenders.
Licensed moneylenders in Singapore will not engage in the following behavior:
- Use abusive language or behave in a threatening manner towards you.
- Ask for your SingPass user ID and/or password upon loan application.
- Retain your NRIC card or any other personal ID documents (e.g., passport, work permit, employment pass, or ATM card).
- Ask you to sign on a blank or incomplete Note of Contract for the loan during loan application.
- Grant you a loan application without giving you a copy of the Note of contract for the loan and/or without properly explaining to you all the terms and conditions or exerting vicious interest rates.
- Grant your personal loan without exercising due diligence (e.g. SMS or email before even receiving your loan application form and supporting documents, such as the income tax assessment and pay slips).
- Withhold any part of your principal loan amount for any reason.
To find out more about unlicensed moneylenders in Singapore, click on this link: http://www.spf.gov.sg/ahlong/
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