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
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
We Have Low Interest Rates!
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!
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!
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...
MONEY LENDING FREQUENTLY ASKED QUESTIONS
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.
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.
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.
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.
Yes, you can! 365 Credit Solutions absolutely encourages all our clients to repay their loans early if they want to.
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.
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.
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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