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.
Bridge the gap between paychecks with a transparent, licensed payday loan from United Credit. We provide the urgent financial support you need to cover unexpected bills or expenses with a secure, paperless process and same-day cash disbursement.
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A payday loan in Singapore is a licensed, short-term facility designed to bridge the gap until your next salary credit. Unlike traditional bank loans that involve weeks of paperwork, we provide immediate liquidity to cover urgent expenses, such as medical bills, car repairs, or utility payments, ensuring you stay financially afloat until your next paycheck.
Get Funds NowAt United Credit, we provide licensed payday loan services in Singapore, regulated by the Ministry of Law for your protection and security. You can apply online through a secure and paperless process. This transparent, short-term solution helps you manage urgent expenses, avoid high credit card interest or late penalties, with repayment structured to be cleared once your salary arrives.
Payday loans are suitable for short-term cash needs when speed is essential, while personal loans typically offer longer repayment periods and lower overall cost for larger amounts. Credit cards may be convenient but often come with high interest if balances are not cleared quickly.
Your borrowing limit is strictly governed by MinLaw regulations to ensure responsible lending. At United Credit, your limit is based 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 |
🚨 Emergency Medical Bills 🔧 Urgent Home or Car Repairs 📉 Cash Flow Gaps 📅 Time-Sensitive Payments
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.
Fast, secure, and designed to bridge your monthly salary gap.
Skip the paperwork. Our secure, digital-first platform uses Singpass MyInfo to pull your data automatically, allowing for a 2-minute, paperless application.
Get the liquidity you need when timing is critical. We prioritise payday requests to ensure funds are available via PayNow or bank transfer within the same business day.
No hidden surprises. We strictly follow Ministry of Law guidelines, offering a capped 4% monthly interest rate and clear, predictable cost structures.
Your security is our priority. As a licensed lender, we never charge "processing fees" or deposits before your loan is disbursed. What you see is what you get.
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 Payday Loan.
Efficiency is our priority. If you apply online using Singpass, we typically provide an in-principle decision within 15 to 30 minutes. Once you visit our office for a quick verification and contract signing, your funds are disbursed immediately via PayNow or Bank Transfer on the same business day.
We offer a faster, more accessible alternative to traditional banking. While banks have rigid criteria and weeks of red tape, we focus on your current employment stability and repayment capacity. This allows us to provide immediate liquidity without the long waiting periods.
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.
At United Credit, we look at your current ability to repay and your employment status rather than just your past credit history. We offer a fair assessment for all applicants, providing a viable financial solution for those with less-than-perfect credit.
We maintain 100% transparency. Our costs strictly follow Ministry of Law caps:
No. At United Credit, we encourage financial prudence. You can settle your bridging 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. We assess each application based on your total financial capacity and debt-to-income ratio. Our consultants will work with you to ensure that your payday loan is manageable.
No. Our payday loans are unsecured. You do not need to pledge assets like your home or car. We rely on your income and employment, making it a low-friction option for immediate financial support.
A payday loan is a short-term facility typically repaid in full on your next scheduled payday. This ensures you clear the debt quickly without long-term interest accumulation. For longer durations, please ask our consultants about our other loan options.
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.
