About United Credit: Your Trusted Licensed Moneylender

United Credit is a legal moneylender in Singapore, dedicated to providing fast, transparent, and easy-to-access loans.

Since 2010, United Credit has supported thousands of Singaporeans, PRs, and foreigners with reliable, legal, and easy-to-manage loan plans.

As a licensed lender (Licence No. 78/2026) under the Ministry of Law, we guarantee a professional experience with no hidden costs.

United Credit licensed moneylender office in Singapore, showing professional staff and transparent business hours for trusted loan services.

Our Vision

To provide every borrower in Singapore with the clarity, confidence, and peace of mind needed for a secure financial future.

Our Mission

To deliver fast, respectful, and transparent financial solutions as a premier licensed money lender in Novena, Singapore.

16 Years of Trusted Moneylending in Singapore

Numbers reflect our commitment. Since 2010, we’ve supported thousands of borrowers across Singapore with a fast, professional process and transparent terms.

10K+

Borrowers Trusted With Financial Support

16+

Years of Licensed, Trusted Moneylending Service

30-Min

Average Loan Approval Time

Why Borrowers Choose
United Credit

We have refined the borrowing experience to be faster, safer, and entirely transparent. Discover why thousands of clients choose United Credit for their financial needs.

Instant Apply, Fast Approval

Apply quickly with a secure verification process for faster decisions and minimal waiting time.

Transparent Terms, No Hidden Fees

Clear loan terms, upfront costs, and flexible repayment plans you can understand with confidence.

Licensed & Trusted

Fully licensed and regulated under Singapore’s Ministry of Law, ensuring safe and compliant lending practices.

Customer-First Support

Dedicated support team providing clear guidance and assistance throughout your loan journey.

Prime Location:
In the Heart of Novena

Located in the vibrant Novena district, United Credit is just a 5-minute walk from Novena MRT. Our office at Novena Regency is the premier choice for professionals and residents in Central Singapore.

Location & Accessibility

Office Address
- 275 Thomson Rd, #01-21, Singapore 307645
Nearby MRT Stations
- Novena MRT (NS20, North-South Line)
Nearby Bus Stops
- Novena Stn (50038)
- Opp Novena Lodge (Stop 50049)
- Opp United Sq (Stop 50029)
Nearby Landmarks
- Velocity @ Novena Square
- United Square
- Tan Tock Seng Hospital
Island-wide Accessibility
- Near Newton, Balestier, Toa Payoh & Orchard
- Direct PIE/CTE Connectivity
- Convenient Parking at Novena Regency

FAQs about United Credit

Transparency is the foundation of our business. Get the facts on our licensing, security standards, and how we protect your interests as a premier licensed moneylender in Singapore.

Why choose United Credit over other lenders?

Since 2010, United Credit has built a reputation for ethical lending and absolute transparency. We prioritise your long-term financial health, providing fixed instalments, clear MinLaw-regulated terms, and professional guidance at our Novena Regency office.

Is United Credit a licensed moneylender in Singapore?

Yes. United Credit is a fully licensed money lender regulated by the Ministry of Law (MinLaw). You can verify our credentials on the official Registry of Moneylenders. Our professional office is located at Novena, making us a convenient choice for those looking to apply for a loan in Singapore.

What are the eligibility criteria for a loan?

To be eligible for a loan with us, you must meet the following requirements:

Age: 21 Years Old and Above
Employment Status: Employed (Full-Time or Part-Time), Self-Employed or Earning a Consistent Income
Residency: Singapore Citizen, Permanent Resident or Valid Work Pass Holder (EP, S Pass, or WP)

What documents do I need to bring to the Novena office?

For a smooth and fast application, please have your Singpass ready. Depending on your residency status, you will need to provide the following:

Identification: NRIC (for Singapore Citizens / PRs); Passport and Work Pass (for Foreigners)
Proof of Income: Latest 3 Months’ Payslips & Bank Statements Showing Salary Credit
Proof of Residence for Foreigners: Latest Utility Bill (within 3 months), Official Letters with Your Residential Address, Tenancy Agreement

What is the maximum amount I am eligible to borrow?

In accordance with Ministry of Law regulations, the legal limit for unsecured loans depends on your residency and annual income:

Annual Income	Singaporeans & PRs	Foreigners Residing in SG
Less than $10,000	Up to $3,000	Up to $500
$10,000 – $20,000	Up to $3,000	Up to $3,000
At least $20,000	6x Your Monthly Income	6x Your Monthly Income

What are the legal interest caps and fees you follow?

All licensed moneylenders in Singapore are legally capped at a 4% monthly interest rate. United Credit maintains 100% transparency, strictly following Ministry of Law caps:

Administrative Fee: A one-time fee of up to 10% of the loan principal.
Late Fee: Capped at $60 per month.
Late Interest: Maximum 4% for each month the repayment is overdue.

Will my loan application be kept confidential?

Yes. At United Credit, your privacy is handled with strict confidentiality. As a licensed money lender Singapore regulated by the Ministry of Law (MinLaw), all loan applications and personal information are managed securely and discreetly. We do not practise hard selling or share your details with third parties without your consent.