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.
Transform your home without the wait. United Credit offers streamlined home renovation loans with instant in-principle approval. Get the funds you need for contractors, materials, and project costs with transparent repayment terms tailored to your budget.
Apply Now
Flexible Monthly Repayments
Borrow Up To $ 100,000
A renovation loan in Singapore is designed to help homeowners finance the cost of upgrading, repairing, or furnishing their property. It is commonly used for contractor payments, materials, and interior works such as kitchen, flooring, and carpentry.
At United Credit, we provide flexible, unsecured renovation financing that empowers Singaporean homeowners to cover everything from major structural overhauls to the final interior touches, all without the restrictive disbursement conditions of traditional lenders.
Get Funds Now| Property Type | BTO / New Unit | Resale Unit (Overhaul) |
|---|---|---|
| 3-Room HDB | $30,000 – $50,000 | $45,000 – $70,000 |
| 4-Room HDB | $40,000 – $65,000 | $55,000 – $85,000 |
| 5-Room HDB | $50,000 – $80,000 | $65,000 – $100,000+ |
| Condominium | $35,000 – $75,000 | $65,000 – $120,000+ |
| Landed Property | $100,000+ | $200,000 – $500,000+ |
Most renovation projects in Singapore require a 30% to 50% upfront payment, resulting in a significant initial cost.
As expenses may vary due to materials and unforeseen changes, United Credit provides structured and manageable repayment plans to support your renovation with confidence, so you can get started without delay.
🔨 Carpentry & Built-ins 💡 Electrical & Lighting 🛁 Bathroom & Kitchen Remodeling 🪞 Painting & Decor 🛋️ Furniture & Appliances
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. Flexible. Fully Regulated.
We perform holistic credit assessments based on current repayment capacity, ensuring high success rates for your renovation funding.
Secure same-day in-principle approval with United Credit to maintain your renovation momentum and keep project timelines on track.
Full compliance with Ministry of Law standards for your United Credit renovation facility. Experience capped interest rates and a strictly transparent fee structure.
Access the capital required for your home transformation without the need to pledge property or personal assets as collateral for your renovation project.
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 Renovation Loan.
Unlike banks that pay contractors directly and have rigid credit requirements, United Credit offers flexible funding managed by you. We focus on your current repayment capacity, providing a faster alternative to traditional financing.
Yes. While banks often restrict funds to “fixed” works, a United Credit renovation loan covers “movable” essentials like designer furniture, smart home systems, and premium appliances.
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.
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 |
No. At United Credit, we focus on your current ability to repay and your employment stability rather than just your past credit history. We offer a fair and inclusive assessment for all applicants, including 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.
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.
Yes. We assess each application based on your total financial capacity. Our consultants will work with you to ensure that any additional borrowing is manageable and sustainable for your current budget.
No. Our renovation 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.
Empowering your financial journey with professional advice on loans, property, and local updates in Singapore.
Simply submit your details below, and our team will contact you shortly with a tailored loan offer. United Credit never charges upfront fees.
