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.
Life doesn't wait, and neither should you. United Credit offers streamlined personal loans in Singapore with transparent terms, competitive interest rates, and same-day cash disbursement. Start your faster, more reliable path to financial flexibility today.
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15 Minutes Instant Verifications
Up To $100,000 Loan
A personal loan is an unsecured loan that provides a fixed cash amount, repaid through monthly instalments over a set period. Approval is mainly based on your monthly income and ability to repay, making it a flexible option for various financial needs such as bills, medical expenses, or urgent cash flow.
At United Credit, all personal loans are licensed and regulated under Singapore’s Ministry of Law (MinLaw), ensuring transparent terms, capped interest rates, and responsible lending practices.
Start ApplicationIn Singapore, you can borrow up to 6× your monthly income if your annual income is at least S$20,000. Lower income tiers have capped limits based on Ministry of Law regulations.
| 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 |
We pride ourselves on being a Licensed Money Lender that prioritises transparency, our costs are capped for your protection.
📄 Monthly Bills
🏠 Home Essentials
💊 Unexpected Fees
🔧 Urgent Repairs
🎓 Education & Milestones
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.
Regulated, transparent, and built for your goals.
We strictly follow Ministry of Law guidelines for your protection, with 100% transparent terms and zero hidden fees.
Get swift decisions through streamlined verification and prioritised, rapid fund disbursement to support you.
Skip queues and apply from anywhere using our intuitive, hassle-free digital platform integrated with Singpass MyInfo.
Consult with dedicated loan officers for a custom schedule based on your ability to repay, not past credit history.
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 Personal Loan.
Our unsecured personal loans are designed for versatility. Borrowers commonly use funds for:
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.
United Credit provides a faster, more accessible alternative to banking:
In accordance with Ministry of Law regulations, the legal limit for unsecured loans depends 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 |
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.
All licensed money lenders in Singapore are strictly regulated by the Ministry of Law. United Credit maintains 100% transparency and follows these legal caps:
Efficiency is our priority. When you apply using Singpass, we typically provide an in-principle decision within 15 to 30 minutes during our operating hours.
Once approved, you can receive same-day cash by visiting our office to sign your agreement. Your funds are disbursed immediately the moment the contract is finalised.
Note: Applications submitted outside of business hours or on Public Holidays will be prioritised as soon as our office reopens.
No. Our personal 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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Simply submit your details below, and our team will contact you shortly with a tailored loan offer. United Credit never charges upfront fees.
