United Credit Pte. Ltd. is a licensed moneylender (License No. 78/2026)
listed in the Registry of
Moneylenders, under the Ministry of Law in Singapore.
Faced rejection elsewhere due to your credit history? United Credit provides a professional alternative. We offer inclusive loan facilities designed for your recovery, focusing on your current financial stability and ability to repay rather than past credit issues.
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Same-Day Disbursement
Licensed by MinLaw
A bad credit loan in Singapore is a personal loan for those with a low credit score with the Credit Bureau Singapore (CBS) or a limited credit history. It is a professional alternative if you have been turned down by banks because of past credit issues.
At United Credit, we believe everyone deserves a fair chance. While other lenders may focus on the past, we focus on your current financial stability. We prioritise your present income and employment to provide support for essential needs. By making your payments on time, your progress is recorded with the Moneylenders Credit Bureau (MLCB). This helps you get back on your feet and improve your credit score step-by-step.
Check Loan EligibilityYou could apply for a bad credit personal loan in Singapore even if your credit score is low, provided you meet the basic requirements set by licensed moneylenders. Your application is assessed based on your current income and ability to repay, rather than relying solely on your past credit history.
All applications are subject to approval based on affordability and responsible lending guidelines set by the Ministry of Law.
📑 Managing Urgent Bills 🛡️ Regulated Support 🚀 Same-Day Emergency Funds 🏠 No Collateral Needed 💼 Income-Based Approval 📈 Credit Restoration
As a licensed lender, we require specific documents to finalise your loan. Check the list below to ensure a smooth application and a structured process.
A Professional Alternative Focused on Your Future, Not Your Past
We prioritise your current employment and repayment ability over historical credit setbacks, offering a fair and inclusive evaluation.
Skip the standard wait. Our Singpass MyInfo integration ensures rapid approval and same-day fund disbursement for your urgent needs.
As a Ministry of Law regulated lender, we guarantee capped interest rates and strictly no hidden fees or pushy sales tactics.
Use our structured repayment plans to demonstrate financial responsibility and rebuild your standing with the MLCB step-by-step.
As a licensed money lender, we ensure your borrowing journey is simple and secure from start to finish. We are here to guide you through every step of our 4-step process.
Start your online loan application securely using Singpass Myinfo for instant verification.
Our loan officers will review your application and provide an update on your eligibility promptly.
Once approved, visit our Novena office for a quick face-to-face verification and to sign your loan agreement.
Upon signing, your funds will be disbursed immediately via secure Bank Transfer or PayNow.
Get expert insights and clear answers regarding the United Credit Bad Credit Loan.
A bad credit loan functions similarly to a personal loan but is specifically designed for those with a low Credit Bureau Singapore (CBS) score. At United Credit, we perform a holistic assessment, focusing on your current income and employment stability rather than just your past credit history to determine your eligibility.
These loans serve as an essential financial bridge during emergencies. Common situations include covering urgent medical bills, emergency home or car repairs, managing utility arrears during salary delays, or consolidating high-interest debts into one manageable monthly payment.
Yes. United Credit is a fully licensed moneylender regulated by the Ministry of Law (MinLaw). You can verify our license on the Official MinLaw Registry of Moneylenders. Our office is conveniently located at Novena Regency on Thomson Road.
Yes. United Credit prioritises your capacity to repay rather than a specific minimum income bracket. As long as you have a stable source of income (employment or self-employment), we will work with you to structure a loan facility that fits your monthly budget.
In accordance with Ministry of Law regulations, the legal limit for unsecured loans depends on your 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 |
Absolutely. By maintaining a disciplined, on-time repayment schedule, your progress is recorded with the Moneylenders Credit Bureau (MLCB). This demonstrates financial responsibility and is a strategic way to rebuild your creditworthiness step-by-step.
We maintain 100% transparency. Our costs strictly follow Ministry of Law caps:
No. At United Credit, we encourage financial prudence. You can settle your loan early with no early repayment penalties, and any remaining unaccrued interest will be waived, helping you save on total borrowing costs.
Efficiency is our priority. If you apply online, our team typically provide an in-principle decision within 15 to 30 minutes. You can visit our Novena office the same day to sign your contract after verification and receive your funds.
No. Our bad credit loans are unsecured. You do not need to pledge assets such as your home or car. We rely on your income and commitment to repay, making it a low-friction option for immediate financial support.
United Credit offers flexible tenures of up to 35 months. We work with you to spread out repayments, ensuring they remain a small, manageable percentage of your take-home pay. You can specify your preferred tenure during your application.
All loans are repaid via monthly instalments. Payments can be made through PayNow or bank transfer. All repayment details, including your schedule and payment instructions, will be clearly stated in your loan agreement for full transparency.
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.
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