Apply for a Loan
with United Credit

Q: 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 Noven, making us a convenient choice for those looking to apply for a loan in Singapore.

Q: What interest rates and fees does United Credit charge?

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.

Q: Are there any upfront fees for this application?

No. It is 100% free to apply. Licensed moneylenders are legally forbidden from charging “upfront processing fees.” We only charge a permitted administrative fee (max 10%) once your loan is approved and the contract is signed.

Q: Can foreigners and expats apply for a loan in Singapore?

Yes. Foreigners holding a valid EP, S Pass, or Work Permit are eligible. To expedite your request, please prepare your passport, a valid tenancy agreement, and proof of income (such as recent payslips or a bank statement).

Complete your online application in minutes. Our professional loan officers will contact you shortly to provide a tailored solution that fits your specific requirements.

Visit United Credit Office

Conveniently located at Novena Regency, near Novena Square, United Square, and Tan Tock Seng Hospital. We offer professional in-person consultations and reliable financial support as a licensed money lender.

Get Directions

By MRT

Novena MRT (NS20, North-South Line)

A short 5-minute walk from Exit B. Cross the road towards Novena Regency; our office is located on the ground floor.

By Bus

Novena Stn (Stop 50038)

Approximately 4-minute walk

Buses: 21, 56, 57, 131, 141, 166, 851, 980

Opp Novena Lodge (Stop 50049)

Approximately 8-minute walk

Buses: 5, 21, 54, 56, 57, 131, 143, 162, 166, 167, 851, 980

Opp United Sq (Stop 50029)

Approximately 8-minute walk

Buses: 56, 57, 131, 141, 166, 851, 980

Contact United Credit

Contact our office in Novena for an immediate enquiry. As a licensed money lender, we provide a professional and prompt response to support your financial needs.

+65 6222 0227

Call Our Office

hello@unitedcredit.com.sg

Email Our Team

Monday – Friday: 11:00 AM – 7:00 PM
Saturday: 11:00 AM – 3:00 PM
Sunday & PH: Closed

Service Hours

FAQs for Loan Application

Transparent answers for a faster application. Understand our costs, timelines, and security in seconds before you start.

How fast can I get my loan approved?

Efficiency is our priority. If you apply online, our team typically provides an in-principle decision within 15 to 30 minutes on a business day. You can visit our Novena office the same day to sign your contract after verification and receive your funds immediately.

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 Noven, making us a convenient choice for those looking to apply for a loan in Singapore.

Do I need to visit the office in person?

Yes. Under Ministry of Law (MinLaw) regulations, all licensed money lenders in Singapore must conduct face-to-face verification and sign the contract at their registered office before granting a loan. United Credit will never issue loan agreements online or via post.

What interest rates and fees does United Credit charge?

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.

Is my data safe when I apply for a loan in Singapore online?

Absolutely. Your security is our priority. We use bank-grade encryption and strictly adhere to the Personal Data Protection Act (PDPA). Every application is handled with the highest level of professional confidentiality.

Are there any upfront fees for this application?

No. It is 100% free to apply. Licensed moneylenders are legally forbidden from charging “upfront processing fees.” We only charge a permitted administrative fee (max 10%) once your loan is approved and the contract is signed.

Can foreigners and expats apply for a loan in Singapore?

Yes. Foreigners holding a valid EP, S Pass, or Work Permit are eligible. To expedite your request, please prepare your passport, a valid tenancy agreement, and proof of income (such as recent payslips or a bank statement).

Can I apply for a loan if I have a low credit score?

Yes. United Credit conducts holistic financial assessments. We understand that past credit issues happen; we focus on your current employment stability and income to ensure the loan is a sustainable solution for your needs.