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Honours and Achievements

Over 280 Review Star reviews on Google Logo PNG &
Over 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 money woes? A licensed money lender that everyone can trust is hard to come by, and even harder to believe. But that’s what we are.

 

As a responsible and licensed money lender committed to helping all our clients solve their financial problems, 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 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 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!

Perfect for that dream wedding you’ve always dreamed of or that unfortunate medical bill and everything in between. Personal loans can also be used for debt consolidation purposes.

 

  • Perfect for all your personal needs
  • Unsecured personal loans
  • Low-interest rates
  • Loan up to 6 times monthly income

Payday loans are perfect for getting ahead of your bills and smaller emergencies while you wait for your next paycheck to arrive at the end of the month. 

 

  • Easing your financial emergencies
  • Perfect for smaller loan amounts
  • High approval rates
  • Loan approve within 30 minutes

Perfect for all our foreign friends working in Singapore seeking a better future and needing a little help to get themselves ahead. 

 

  • Flexible repayment period
  • Easy & hassle free loan application
  • Quick cash approval
  • Perfect for getting ahead in life

Perfect for ensuring that your business achieves greater success even in times of distress.

 

  • Loan up to $200K 

  • Ensuring your business’s success

  • Perfect for all entrepreneurs and business owners

  • For businesses that have been at least for a year

Perfect for securing your dream home when time is of the essence and funds are limited.  

 

  • Perfect for home down payments
  • Bridge for cash flow gaps
  • Flexible repayment plans
  • Easy loan application process
365 Credit

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 help. 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 – we always look forward to helping you accomplish your financial goals with the best interest payment rates for you!

Want to get an instant 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 contract especially for yourself

3. Sign the loan agreement

Understand the terms & conditions and then sign the loan agreement

4. Receive your cash

Receive your cash loan within an hour!

Google REVIEW RATING

Google 5.0 Stars

    5 star review  Mr Khor is friendly and gives detail and information about the loan straight forward. Overall, I'm satisfied with the service provided.

    thumb Ashraf Bakhtiar

    5 star review  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!

    thumb Dreamer Space

    5 star review  My first time to take a loan with money lender. Ms Low is very friendly and patient to explain with me. Highly recommended.

    thumb Isen Khoo

365 Credit Solutions: Best Licensed Money Lender Singapore Orchard Far East Plaza | Fast Cash Personal Loan Singapore Icon365 Credit Solutions: Best Licensed Money Lender Singapore Orchard Far East Plaza | Fast Cash Personal Loan Singapore

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

5.0 305 reviews

  • Avatar Paulina Sassy ★★★★★ 7 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!
  • Avatar Dreamer Space ★★★★★ 4 months 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!
  • Avatar amit kumar ★★★★★ 2 months ago
    Mr Joseph was very helpful and clear in explaining the terms of the contract. The process was fast and smooth. I would definitely recommend 365 Credit solutions to others.
  • Avatar Wu TF ★★★★★ a month ago
    Ms Low is super friendly and understanding to help me with all my questions and also enquiries very bubbly and also chat with me alot to calm me down as she feel I am nervous as is my first time loaning from company but with her around I feel much freely and calming she is a nice person have a approachable personality thank you Ms Low 😊
  • Avatar Isen Khoo ★★★★★ a month ago
    My first time to take a loan with money lender. Ms Low is very friendly and patient to explain with me. Highly recommended.
  • Avatar Ashraf Bakhtiar ★★★★★ 2 months ago
    Mr Khor is friendly and gives detail and information about the loan straight forward. Overall, I'm satisfied with the service provided.
  • Avatar Noor Johari ★★★★★ 6 months 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! 😍
  • Avatar 吴WTF ★★★★★ 4 months 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!
  • Avatar Siti Juriah ★★★★★ 5 months 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...
  • Avatar sky view ★★★★★ 6 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
  • Avatar D NA ★★★★★ 8 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!
  • Avatar The Light Of Guidance ★★★★★ 9 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. 😊
  • Avatar Ashok Raja ★★★★★ 7 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
  • Avatar Nurul ★★★★★ 9 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.
  • Avatar Norizal Bohan ★★★★★ 9 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..
  • Avatar Cody Tay ★★★★★ 8 months ago
    Professional. Was attended by mr Khor , very friendly and help me quite abit . Excellent service from him
  • Avatar Caroline Ong ★★★★★ 10 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!
  • Avatar Aizun AS ★★★★★ 9 months ago
    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 ★★★★★ 9 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.
  • Avatar Angelin Xu ★★★★★ 10 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
  • Avatar yani rowtin ★★★★★ 11 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 ★★★★★ a year 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 ★★★★★ a year ago
    Mr.Khoir is very reliable and nice. Able to assist me in loan up to my suitable budget.
  • Avatar Chuck Norris ★★★★★ a year 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 . ★★★★★ a year 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 ★★★★★ a year ago
    Would like to complement them for quality service. Special thanks to Mr. Khor. The service is highly recommended.
  • Avatar Mohamed Sadiq ★★★★★ a year ago
    Mr Khor, excellent service. Thank you very much.
  • Avatar Aida Pelos ★★★★★ a year 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 ★★★★★ a year ago
    Flexible company! Mr Khor is very helpful and have been very patient with me all along : ) Highly recommended!
  • Avatar Premier League ★★★★★ a year ago
    Mr Khor, excellent service. Thank you very much.
  • Avatar F. Poh ★★★★★ a year ago
    Nice place to borrow from. Staff and environment is good. No stress. Explain everything in detail.
  • Avatar Bastian Madsen ★★★★★ 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.
  • Avatar Davis Lim ★★★★★ 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.
  • Avatar Hafiz Omar ★★★★★ 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.
  • 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 🤗.

Ready to Apply?

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Frequently Asked Question

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 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 contract and contract with us before you get your loan disbursed.

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. 

 

Unsecured loans taken out would be subject to a few restrictions. Singapore citizens or permanent residents 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 loan and other types of loans with any licensed 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 licensed moneylender in Singapore can only charge up to 4%  maximum interest rate per month for a personal loan. This maximum applies regardless if the loan is secured or unsecured.

 

In addition, all licensed moneylenders in Singapore can also only charge a maximum late interest rate of 4% per month for late payment fees if a borrower fails to pay on time. 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 cash 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. 

 

Licensed 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 interest;

  • 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 licensed money lenders for the recovery of the loan

The total charges imposed by a licensed money lender 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 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.

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 loan, we would only look at your good credit score and 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 and licensed money lender in Singapore, also gently reminds all our customers that taking on too many loans can lead to financial hardship, so be mindful of taking on further unnecessary loan transactions that you might not need. 

There are strict rules governing money lending Singapore. A Singapore 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 loan terms and conditions or exerting vicious interest rates.

  • Grant your 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 various government agencies, such as the Police or 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 licensed money lender; and

  • advertisements placed within or on the exterior of the licensed money lender’s business premises.

All other channels are prohibited.

 

That means a licensed 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.

With so many different types of fast cash loans available in Singapore, you will want to make sure that the rates are as low as possible. One way is by looking at loan comparison websites and comparing terms such as interest rate or amount offered among licensed money lender before making a decision on which one suits your needs best.

 

365 Credit Solutions is a responsible licensed money lender Singapore company that offers reasonable and reasonable interest rates in accordance with the Ministry of Law, and also helps our clients practice responsible borrowing. We do this by helping you manage your loan contract best suited for both budgeting capabilities as well as repayment ability. Visit the Reviews page to see testimonials from our satisfied customers or apply for a loan online today!

  • Asks for your SingPass user ID, Internet banking account and/or password

  • Fails to return your NRIC card or any other personal identification documents

  • Asks you to sign a blank or incomplete loan contract

  • Fails to provide a clear and thorough explanation of the terms and conditions of the loan.

  • Grants you a loan without evaluating your loan application.

  • Grants you a loan through phone, email, or SMS before receiving your loan application form and required documents

  • Withholds any part of your principal loan amount

If you encounter these errant unlicensed money lenders, the best course of action is to report them immediately. These are ah longs who will do anything for a quick buck and they won’t stop until we put an end to their scamming schemes.

  • Make sure the licensed money lender delivers to you the correct principal amount of the loan or actual amount. The money lender is only permitted upfront processing fees deduction of a loan approval fee of up to 10% of the principal amount.

  • Pay the loan monthly installments on time to avoid incurring late repayment fees.

  • Make sure the money lender issues you a receipt every time you make loan instalments towards your personal loan, and check it for correctness (e.g. name, amount, date).

  • Make sure you receive a statement of account for all your loans at least once every January and July and check it for correctness (e.g. name, amount, date); and

  • You should retain all statements of accounts and receipts of payments as documentation and evidence of payments.

 

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