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.
Stop juggling multiple lenders and high interest rates. Consolidate your debt into a single, manageable plan with United Credit. Apply securely via Singpass for same-day professional approval.
Consolidate My Debt
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Simplify to One Monthly Repayment
In Singapore, a Debt Consolidation Plan (DCP) is a financial tool that allows you to merge all your high-interest, unsecured debts, such as credit card balances and personal loans, into a single loan facility.
Instead of managing multiple lenders and varying due dates, you transition to one fixed monthly instalment at a competitive interest rate, making it easier to track your finances and reduce the risk of missed payments. This simplifies your financial obligations and provides a structured, predictable path towards becoming debt-free.
Get Started NowIf you are managing multiple debts with different interest rates and repayment dates, a debt consolidation plan can help simplify your finances. By combining your existing debts into one structured loan, you only need to manage a single monthly repayment.
This can make it easier to stay on track, reduce the risk of missed payments, and provide a clearer path towards becoming debt-free.
At United Credit, we help you consolidate your debts into a single, manageable repayment plan tailored to your financial needs, in line with Ministry of Law regulations.
📉 Lower Interest Rates 🗓️ One Fixed Monthly Repayment ⚡ Improve Credit Score ✅ Total Peace of Mind
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 strategic approach to restructuring your liabilities and restoring financial control.
We strictly follow Ministry of Law guidelines for your protection, with 100% transparent terms and zero hidden fees.
Simplify your finances by combining multiple debts into a single, manageable monthly instalment.
Save on your monthly costs with competitive rates designed to make your borrowing more affordable.
Consolidate your outstanding balances without the need for collateral or guarantors, keeping your personal assets fully protected.
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 Debt Consolidation Plan.
While both serve to simplify your debts, bank-led DCPs have very strict eligibility (e.g., earning at least S$30,000 annually and having debt over 12x your monthly income). United Credit offers a more accessible alternative for those who may not meet bank criteria but still need a professional, structured way to manage their liabilities.
Yes. Unlike many bank plans that only consolidate “bank-to-bank” debt, a United Credit facility can be used to merge a wider range of unsecured obligations, including credit cards, medical bills, and other licensed moneylender loans.
Yes. A primary benefit of our DCP is “buying out” high-frequency loans from various lenders. This ends the cycle of multiple late fees and administrative chaos by merging them into one manageable facility.
Under Ministry of Law regulations, eligible borrowers earning over S$20,000 can typically consolidate unsecured debt up to 6 times their monthly income. This ensures the resulting repayment plan remains sustainable for the borrower’s budget.
By applying online, United Credit can process applications and provide professional approval within the same business day. This is significantly faster than the 2–4 week timeline typical of traditional banks.
Per Ministry of Law regulations, eligible borrowers earning over S$20,000 annually can typically consolidate unsecured debt up to 6 times their monthly income. This ensures your new repayment plan remains sustainable for your monthly budget.
No. At United Credit, we encourage financial prudence. You can settle your loan early with no early repayment penalties. Any remaining unaccrued interest will be waived, subject to the terms stated in your loan agreement, helping you reduce your overall borrowing costs.
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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Simply submit your details below, and our team will contact you shortly with a tailored loan offer. United Credit never charges upfront fees.
