365 Credit Solutions Pte Ltd is a licensed moneylender (License No. 17/2024) listed in the Registry of Moneylenders, under the Ministry of Law in Singapore.

Bridging Loan

Your dream home is just within reach, all you need to do is reach out

Shake hands with a client

The Fastest Way to Get a Bridging Loan

Whether you’re eyeing a property to finance an auction purchase or secure a property within a time limit, you’ve come to the right place. 365 Credit Solutions offers the most flexible interest rates and regular repayment terms. You set the bridging loan amount you need, and we’ll provide them to you within an hour.

Apply for a bridging loan today and secure the new property of your dreams in no time!

Want to Get a Bridging Loan With Us?
Follow These Simple Steps Below!

Call or Apply Online

Give us a call at 6222 5500 or set an appointment with us by filling out the form on https://www.365credit.com.sg/

Visit Our Offices

Visit our office and create a customized loan plan specially for yourself

Sign the Loan Agreement

Understand the terms & conditions and then sign the loan agreement

Receive Your Cash

Receive your cash loan within an hour!


At Least 21 Years Old

Minimum of SGD2,000 Salary Required

Exercised the Option to Purchase (OTP)


This bridging loan is only available for local and permanent residents of Singapore
Ladies business deal with client


quote sign

Fortunately, 365 Credit is opened on Sundays because I really needed cash urgently that day. Their service is excellent and Dan helped me a lot. He is friendly and efficient. Recommended!

-Ivan Poh

quote sign

Thanks for granting me the loan 365 Credit! My friends spontaneously decided to go on a short trip and I was short of cash. Luckily I could get a loan of $800 and joined my friends for an amazing trip to Bangkok! It was a fuss free experience

-Toh Cai Lin

Ready to Apply?

Fill out this form and we will get back to you within 3 working hours


Frequently Asked Questions

As the name implies, a bridging loan in Singapore is used to “bridge” the period between the purchase of your new home and the sale of the existing property. Bridging loans are especially useful for immediate new property purchases, for the short interim while the sale of your existing property goes through and the new home loan down payment is insufficient for you to put forth and before you are approved for your home loan. Read our article on how does a bridging loan work.

You can apply for a Singapore bridging loan by providing your Option to Purchase document. This is a contract for the specific property which gives you the exclusive right to purchase it. Many property owners used bridging loans to secure the new assets they want before taking advantage of time-limited offers when they’re short on cash.

There are several good reasons to take on a bridging loan. Singapore homeowners who purchase their property from auctions or an en-bloc sale, which is a purchase of two or more properties at once to a single person. These are times when you would need to put out large amounts of money for the down payment of your new home, making it crucial for you to come up with the cash quickly or risk losing your new property within a short period of time.

There are several important things to consider before you take on a bridging loan with any lender, not just 365 Credit Solutions. First, you need to consider the purpose of the bridging loan you’re about to take on. Is the bridging loan necessary to purchase the home you are looking at or do you have enough for a down payment right now?

Secondly, you need to consider the duration of the bridging loan you are taking on and will the sales proceeds from your old property arrive? You would need to be able to repay the bridging loan within a certain period of time and it is crucial for you to know the amount you will receive and when will you get the money from the old property.

Finally, you must always consider if the bridging loans you are taking on is within your capabilities for the repayment bridging loan. It is harder to repay a large amount of money over a small amount of money, even if it is within your repayment bridging capabilities. This would stop you from going into deep debt, should you be unable to repay the bridging loan you have taken out to purchase your new asset.

There are a number of factors that determine how much bridging loans you can borrow from us. For secured loans, a borrower can borrow any amount of money from us.

An unsecured loan taken out would be subject to a few restrictions. If your annual income is less than $20,000, you can only take bridging loans up to $3,000 with us. If your yearly salary is $20,000 and above, you would be able to loan up to 6 months worth of your income.

A licensed moneylender in Singapore can only charge maximum interest rates of 4% per month for personal loans. This maximum rate applies regardless if the loans are secured or unsecured.

In addition, a lender can also only charge a maximum late interest rate of 4% per month for each month the bridging 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 loans of $20,000 and has repaid $4,000. Only the remaining $16,000 can be taken into account for the computation.

Also, the late interest can only be charged on an expense that is repaid late. The lender 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.

Singapore lenders 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 bridging loan when a loan is granted; and
  • legal costs ordered by the court for a successful claim by the moneylender for the recovery of the bridging loan

The total charges imposed by a Singapore moneylender on the bridging loan’s interest, late interest, upfront administrative and late fee cannot exceed an amount equivalent to the principal of the bridging loan.

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 bridging loan application to us, it would only take us half an hour to approve your application.

There are several reasons why you should take on a bridging loan from us.

We Are Rated Very Well on Google Reviews and Loan Advisor in Singapore

We are regularly given 5 stars on online reviews, most prominently on Google reviews and Loan Advisor making us one of the most trustworthy financial institutions out there. All of our reviews are from happy customers that have repeatedly returned to us over the decade we have been in business. Trust is our number one priority and we take it seriously.

Our Clients Come First; You Are Our Top Priority

As we’ve said, you are our priority. We’ve made a name for ourselves in the industry serving and helping individuals and companies out financially. We will always ensure that you are given the best advice and help, every step of the way.

Safe and Secured Business Transaction

Your information is secure with us. We do not share it out with any third parties. All transactions done are treated with the utmost respect.

Convenient and Quick Cash for Your Bridging Loan

As part of our mission to keep you as our top priority, the speed of processing and application is a must. Once you have applied with us, it only takes us half an hour to approve your application, and less than an hour to disburse the loan to you. Simple, convenient, easy.

Call Now
× WhatsApp Us