Honours and Achievements

Over 280 Review Star reviews on Google Logo PNG &
239 Review Star reviews on Loan Advisor

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. 

 

As a responsible and legal money lender committed to helping all our clients solve their financial difficulties, we put our clients first. We not only want to help you push through your difficult times; we also wish to make you a well-versed individual in knowing how you can tackle your struggles.

 

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.

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 isn’t just picking a loan type and finding out if you can afford the repayments. 

 

It’s ensuring that you understand the processes, and how you can decide the best course of action you can take. More than that, 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 staff 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!

image/svg+xml

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?​

1

Same Day Cash Loan Approval

Dollars - 365 Credit

We Have Low Interest Rates!​

Up to

1%

per month

Terms and Conditions Apply

Time - 365 Credit

We Are Fast​​

Your loans are processed within 1 Hour

Google REVIEW RATING

Google 5.0 Stars

365 Credit Solutions: Best Licensed Moneylender Fast Cash Personal Loan Singapore Orchard Icon365 Credit Solutions: Best Licensed Moneylender Fast Cash Personal Loan Singapore Orchard

14 Scotts Road #03-64 Far East Plaza, Singapore

5.0 287 reviews

  • Avatar Aizun AS ★★★★★ in the last week
    Friendly Staff by the name of Ms Low , she explained in details with patience regarding the loan I’m applying for . Awesome!
  • A Google User ★★★★★ 4 weeks 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.
  • Avatar Norizal Bohan ★★★★★ a week 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..
  • Avatar Nurul ★★★★★ 4 weeks 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.
  • Avatar The Light Of Guidance ★★★★★ 4 weeks 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. 😊
  • Avatar Angelin Xu ★★★★★ a month ago
    I was served by Mr Joseph, he is very patient and friendly. Explained the details clearly thru out the process. Great customer service
  • Avatar Caroline Ong ★★★★★ a month 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!
  • Avatar yani rowtin ★★★★★ 2 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
  • Avatar MdSyfqRhmt ★★★★★ 6 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
  • Avatar Deila Amid ★★★★★ 3 months ago
    Mr.Khoir is very reliable and nice. Able to assist me in loan up to my suitable budget.
  • Avatar Chuck Norris ★★★★★ 6 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!.
  • Avatar MdSyfqRhmt . ★★★★★ 6 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
  • Avatar allan de jesus ★★★★★ 6 months ago
    Would like to complement them for quality service. Special thanks to Mr. Khor. The service is highly recommended.
  • Avatar Mohamed Sadiq ★★★★★ 6 months ago
    Mr Khor, excellent service. Thank you very much.
  • Avatar Aida Pelos ★★★★★ 6 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.
  • Avatar Herwen Kalam ★★★★★ 7 months ago
    Flexible company! Mr Khor is very helpful and have been very patient with me all along : ) Highly recommended!
  • Avatar Premier League ★★★★★ 6 months ago
    Mr Khor, excellent service. Thank you very much.
  • Avatar F. Poh ★★★★★ 7 months ago
    Nice place to borrow from. Staff and environment is good. No stress. Explain everything in detail.
  • Avatar Bastian Madsen ★★★★★ 11 months 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.
  • Avatar Davis Lim ★★★★★ 10 months 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.
  • Avatar Hafiz Omar ★★★★★ 10 months 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.
  • Avatar Nur Hikmah ★★★★★ 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.✌
  • Avatar Shangshang Lim ★★★★★ 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

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, we would require you to come into our office in order to sign the loan agreement and 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 and high approval rates.

 

Once you’ve submitted all the necessary documents along with your loan application, it would only take us an hour to approve your application.

There are several important things to consider before you take on a personal loan and other types of loans with any money lenders in Singapore, not just 365 Credit Solutions.

 

You must always consider if the loan you are taking on is within your capabilities to repay. It is harder to repay a large amount of money over a small amount of money, even if it is within your repayment capabilities. 

 

You should also consider the loan’s purpose as well. Taking out a loan for an emergency medical bill or repaying your most urgent bills is laudable and good, but it might not be the best idea to take out a loan for an expensive vacation while you have other urgent bills to repay. It could cause you to go into deeper debt and hurt your future in the long run. 

A legal money lender in Singapore can only charge a maximum interest rate of 4% per month for personal loans. This maximum applies regardless if the loan is secured or unsecured. 

 

In addition, all licensed money lenders can also only charge a maximum late interest rate of 4% per month for each month the loan is repaid late. The interest can only be charged based on the principal remaining after deducting the original payments made. 

 

For example, Mrs. X has taken out a loan of $20,000 and has repaid $4,000. Only the remaining $16,000 can be taken into account for the computation of interest.

Also, the late interest can only be charged on an amount that is repaid late. Legal money lenders in Singapore cannot charge on amounts that are outstanding but not yet due to be repaid. For example, Mr. Y takes a loan of $20,000 and fails to pay for the first installment of $2,000.

 

Money lender in Singapore can only charge the late interest on $2,000 but not on the remaining $18,000 as it is not due yet.

 

Second, only the following fees can be charged: 

  • 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 moneylender Singapore on the loan’s interest, 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. 

 

If you wish to do so, simply inform our friendly staff and loan officers of your intentions and we will take note of your intentions. Once you have deposited the entire amount owed to our account, we will consider your loan to be fully repaid. An interest discount might also be given based on your payment to us.  

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 we can offer to you, it would ensure that you would be able to meet all your financial obligations instead. 

 

365 Credit Solutions, an authorized money lender in Singapore, also gently reminds all our customers that taking on too many loans can lead to financial difficulties, so do be mindful of taking on further unnecessary loans that you might not need. 

Yes, it can! We do not solely take into account your credit history and scores, merely your ability to service your loans. However, we would also like to add that having higher credit scores would allow you to receive low interest rate and higher loan amounts when taking out a loan with us. 

There are strict rules governing money lending Singapore. A Singapore legal money lender must follow all the rules and regulations set forth by the Moneylenders Act.  

 

365 Credit Solutions strongly suggests that you do not borrow from unlicensed money lenders. You must always verify that a 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 money lenders.

 

A Singapore money lender 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.
  • 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.
  • Grant you a loan 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 rate.
  • 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 payslips).
  • Withhold any part of your principal loan amount for any reason.


Such practices are not acceptable. If you encounter them, you should report the money lender to the Registry of Moneylenders, with information such as the money lender’s business name, license, and contact numbers. 


To find out more about unlicensed money lenders, click on this link: http://www.spf.gov.sg/ahlong/

Under the advertising rules made under the Registry of Moneylenders, a licensed money lender is permitted to advertise only through these three channels: 

 

  • business or consumer directories (in print or online media); 
  • websites belonging to the money lender; and
  • advertisements placed within or on the exterior of the money lender’s business premises.

All other channels are prohibited.

That means a money lender in Singapore like 365 Credit Solutions would never give out flyers, SMSs, or any other form of advertising not permitted under the rules. 

If you’ve encountered any advertisements bearing our name on a flyer, or SMS, please contact the Registry at 1800-2255-529 or the Ministry of Law website.

Ready to Apply?

Fill up this form and we will get back to you within 3 working hours. It’s easy.

Privacy3