365 Credit Solutions Pte Ltd is a licensed moneylender (License No. 19/2023) listed in the Registry of Moneylenders, under the Ministry of Law in Singapore.

Foreigner Loan

When you’re all alone and need a personal touch for your financial issues, our foreigner loan for expatriates living in singapore just might be what you need

Shake hands with a client

When All You Need to Do is Ask, We’re Here for You Every Step of the Way

It’s tough enough financing your trip and lodging into Singapore. It’s even tougher when you are all alone without help from your family and friends back home, knowing that they are counting on you to help them out.

When you are in financial hardship and looking for someone to turn to, banks might not be the place for you when you have no credit history with them or the ability to wait for long periods of time for your loans to be approved.

That’s why 365 Credit Solutions provides foreigner loan services without any need for your previous credit history.

With us, a foreigner loan for foreign permit holders requires no prior strings attached. Just follow our simple online application process, submit the needed requirements as advised, and you’ll get approved in no time!

Want to Get a Foreigner 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 Salary of $3,000


Documents needed:

365 Credit Solution office stuff


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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

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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

Foreigner loans are also known as a personal loan in Singapore. They are loans for foreigners who are working in the country who need immediate financial assistance. In essence, the foreigner loan in Singapore must be repaid back with a scheduled payment, alongside the interest rates added to the principal amount owed until it is repaid in full.

As foreigners in Singapore applying for foreigner loans, it is crucial to know what they are going to use the money for, how much they are planning to borrow, and what is the possible interest rates foreigners are likely to be charged for. Foreigners living in Singapore must also consider if the amount that they are going to apply is going to be sufficient to cover their financial obligations.

In addition, foreigners’ annual income plays a role in how much they can borrow. If they do not earn more than $24,000 a year, we would be unable to lend a larger amount. These are all things that expatriates need to consider when taking out Singapore foreigner loans.

If you are uncertain of anything, you should speak to our loan officers who would be able to help you figure out your financial standing and you may also ask any questions related to foreigners loan in Singapore.

A foreigner can take out a loan in Singapore of any amount with secured loans and collateral. The collateral will serve as a guarantee in the event that you are unable to pay off the money.

For unsecured loans, if your yearly income is less than $10,000, the maximum amount that 365 Credit Solutions will be able to loan is only $500. If your yearly income is above $10,000 but less than $20,000, 365 Credit Solutions can offer a maximum loan amount of $3,000.

However, if your yearly income is above $20,000, 365 Credit Solutions can offer you up to 6 times of your monthly income.

All licensed moneylenders can only charge a maximum interest rate of 4% per month for personal loans. The maximum interest rate for a loan for a foreigner in Singapore applies regardless if the personal loan is secured or unsecured.

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

For example; Mr. A borrowed $10,000 and has repaid $6,000. Only the remaining $4,000 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. The moneylender cannot charge on amounts that are outstanding but not yet due to be repaid. For example, Mrs. B takes a loan of $10,000 and fails to pay for the first installment of $1,000.

The lender can only charge the late interest on $1,000 but not on the remaining $9,000 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 moneylender for the recovery of the loan

The total financial charges imposed by a money lender on the interest, late interest, upfront administrative and late fee cannot exceed an amount equivalent to the principal of the loans.

Very quickly indeed! We pride ourselves in giving all our clients excellent service with quick and high approval rates whenever you apply for a foreigner loan in Singapore with us. Once you’ve submitted all the necessary documents along with your application, it would only take half an hour to approve your application.

You could even receive your loans within the hour in some cases!

When applying for foreigner loans in Singapore, you need to ensure that the financial institution or moneylender you are doing business with is legitimate. All legal lenders are licensed and regulated by Singapore’s Ministry of Law. This is so that you do not fall for the false hopes loan sharks may impose.

Secondly, keep in mind you can differentiate whether or not the personnel you are consulting with are giving you real financial advice. Licensed moneylenders will be truthful when offering their outlook on your financial positions. If they are advising you to borrow an amount you yourself cannot bear the consequence of, search for other lenders elsewhere.

Apart from that, you can also check up loan comparison sites to find the moneylenders around Singapore that are trustworthy with good ratings.

Besides, you should extend your research of the most suitable moneylender through Google Reviews and Loan Advisor. Get to know and understand if the experiences of former clients were favorable. 365 Credit Solutions has an astounding 5-star rating of 280 reviews on Google Reviews. We also have attained a 5-star rating on Loan Advisor out of 239 reviews on Loan Advisor.

For a money lending company to operate in Singapore, they would have to be issued a license number from the Ministry of Law. Hence, all of their business practice will be regulated by the authority.

365 Credit Solutions’ license number is 19/2023.

Not only that, 365 Credit Solutions, established since 2010 has always prioritized honesty in all transactions. All of our practice fully complies with the Moneylenders Act.

Our agency is very well-recognized by Loan Advisor and has been awarded the Top 10 Licensed Moneylender 2020 as well as Singapore’s Outstanding Enterprise.

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