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.
United Credit provides professional, unsecured foreigner loans designed for the expat lifestyle. As a MinLaw-regulated licensed moneylender, we offer a transparent, streamlined process with same-day disbursement to meet your urgent financial needs with total peace of mind.
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Fast Approval Process
Borrow Up To $ 100,000
A foreigner loan in Singapore is a specialised financing option designed for non-citizens residing on valid work passes such as Employment Pass (EP), S Pass, or Work Permit. At United Credit, we provide flexible, unsecured financing tailored to foreigners, with applications assessed based on your current income and ability to repay.
As a licensed moneylender regulated by the Ministry of Law, we ensure transparent terms and a secure borrowing process, helping you manage relocation costs, rental deposits, and urgent expenses with confidence.
Start ApplicationSkip rigid bank requirements. At United Credit, we provide Ministry of Law–regulated foreigner loans in Singapore with a focus on your current employment stability and ability to repay, not just your local credit history.
Secure up to 6x your monthly salary with our transparent, income-based limits.
| Annual Income (SGD) | Maximum Loan Limit |
|---|---|
| Below $10,000 | Up to $500 |
| $10,000 to $20,000 | Up to $3,000 |
| Above $20,000 | Up to 6x your monthly income |
| Feature | Traditional Banks | United Credit |
|---|---|---|
| Approval Speed | 1–3 Business Days | 30 Minutes |
| Annual Income | High/Strict Requirements | More Flexible Assessment |
| Local Guarantor | Profile-Dependent | Never Required |
| Disbursement | Standard Transfer | Instant PayNow |
💡 Expert Tip: The “Guarantor” Misconception
Many expats believe a local Singaporean guarantor is mandatory for all credit. While this is a standard barrier at major banks, United Credit specialises in unsecured foreigner loans. We prioritise your professional standing and employment stability, allowing you to maintain complete financial independence without needing a co-signer.
🏠 Rental & Housing Deposits 💼 Relocation & Settlement Costs 🏥 Emergency Medical Expenses 🌍 Family Support Overseas 🛡️ MinLaw-Regulated Support
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.
Designed to support common financial needs for foreigners working in Singapore.
All rates and fees strictly follow Ministry of Law guidelines, ensuring full legal protection and 100% transparency.
United Credit offers easier access than traditional banks. By using less stringent criteria, we support those with limited local credit history or complex residency statuses.
Once your loan is approved, we ensure you receive your funds instantly via PayNow or bank transfer, with no administrative delays.
Secure your foreigner loan without the common bank requirement of finding a Singaporean citizen to co-sign your application.
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 Foreigner Loan.
A foreigner loan is a regulated personal loan for non-citizens with a valid work pass. Unlike banks with high income floors, a foreigner loan from United Credit offers inclusive eligibility based on your current employment stability and repayment capacity.
There are no restrictions on how you utilise your foreigner loan. Common uses include:
You can apply online using Singpass or manual application form. Once submitted, a loan officer will review your application and contact you with the next steps.
Yes. Most expats lack a local credit score. We assess your foreigner loan application based on your professional standing and the validity of your employment pass, rather than a non-existent local credit history.
Our foreigner loan process is built for speed. Qualifying applicants can receive in-principle approval in 20–30 minutes. Once you sign your contract at our office, your foreigner loan funds are disbursed instantly via PayNow or bank transfer.
Borrowing limits for foreigner loan set by the Ministry of Law depend on your annual income:
The final approved amount depends on your affordability and supporting documents.
No. At United Credit, our foreigner loan options are unsecured. This means you can obtain a foreigner loan without needing a Singaporean citizen or PR to co-sign your application, ensuring your financial independence.
No. Taking out a foreigner loan with a licensed moneylender is a legal private transaction. It has no impact on your visa status or your standing with the Ministry of Manpower (MOM), provided you manage your foreigner loan repayments responsibly.
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.
We maintain 100% transparency. Our costs strictly follow Ministry of Law caps:
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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Simply submit your details below, and our team will contact you shortly with a tailored loan offer. United Credit never charges upfront fees.
