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GET https://www.accreditloan.com/

<form role="search" method="get" class="search-form" action="https://www.accreditloan.com/">
  <label>
    <span class="screen-reader-text">Search for:</span>
    <input type="search" class="search-field" placeholder="Search …" value="" name="s">
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POST /apply/

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        <small style="font-size: 70%;">* The displayed rate and payment plan are indicative and subjected to terms and conditions.</small>
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  <input type="hidden" name="Repayment" id="Repayment" value="1 Month">
</form>

Text Content

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 * HOME
 * ABOUT
   * Accredit Loan Portal
 * BORROW
   * PERSONAL LOANS
   * CREDIT SOLUTIONS
     * Business Loan
     * Fast Cash Loans
     * Personal Loan Singapore – Accredit Licensed Money Lender
     * Short Term Loan
   * LIFESTYLE FINANCING
     * Renovation Financing
     * Travel Financing
     * Wedding Financing
     * Education Financing
   * RE-FINANCING
     * Debt Restructuring
     * Debt Consolidation
     * Credit Counselling
 * APPLY
 * NEWS
 * CONTACT
   * Money Lender Tampines
   * Money Lender Yishun
   * Money Lender Hougang
   * Money Lender Clementi

 * 
 * 

Search for:


ONE-CLICK, ONE-STOP
CREDIT SOLUTION

An awardee of the Pilot Program by the Ministry of Law, Accredit Pte Limited is
the new generation of Licensed Money lenders with a sustainable model focused on
consumer protection. With branches located island-wide in Singapore, we bring
our moneylending services to you.


CALCULATE YOUR INTEREST

total to repay
S$
pay/month
S$
interest

LOAN AMOUNT
S$
TENURE
1
2
3
4
5
6
7
8
9
10
11
12
* The displayed rate and payment plan are indicative and subjected to terms and
conditions.



OUR FEATURES


LICENSED MONEY LENDER SINGAPORE

Developing innovative digital solutions to make the loan application process as
painless as possible, Accredit Money Lender Singapore brings you unparalleled
accessibility. You can now apply for  personal loans on-the-go! With branches
island-wide all over Singapore, applying for a loan has never been easier.


FAST CASH

Our proprietary credit systems makes approval fast and efficient. Get your loans
in Singapore NOW without waiting around for approval.


SECURE

Secured with industry standard HTTPS (TLS1.2) and passed penetration testing,
your data is safe with Accredit Money Lender.


NO HIDDEN FEE

We provide complete upfront transparency about our fees and rates. No nasty
surprises for you!


EASY APPLICATION

Apply for a loan online anywhere you are and receive them with our same day
approval process!

 5/5


APPLY ON ACCREDIT LOAN PORTAL TODAY!




MILESTONE

We are a Licensed Money Lender located in Singapore providing responsible credit
and loan options since 2002


LICENSED CREDIT COMPANY IN SINGAPORE

PROVIDING
QUALITY PERSONAL LOANS


200K+

Cases Completed


200K+

Happy
Clients


17+

Years of Experience


SHORT TERM CREDIT

Funding for your own business venture can be a tedious task. Especially, if you
are starting afresh with a zero economic profit margin to fall back on. While
you may not be earning a salary out of the new business immediately, you still
need to pay your employees and keep the system running. Accredit Money Lender
supports such entrepreneurs and provides a comfortable mattress of business loan
solutions for our ambitious business owners, especially during tough times. We
provide short-term, mid-term and long-term loans based on your needs.

Read More



DEBT CONSOLIDATION

Debt consolidation is a process in which we help you consolidate a new loan in
order to repay many smaller unsecured loans and liabilities. This product is
helpful if you are unable to clear payday loans, credit card debts or other such
smaller liabilities. In this process, we combine all your smaller liabilities
and loans into a single loan that can help you clear it with ease. Our
experienced loan advisors at Accredit & Legal Money Lender Singapore will be
helpful and offer you advice in every step of debt consolidation to make sure it
happens smoothly.

Read More


LICENSED MONEY LENDER PERSONAL LOAN

A personal loan is a loan disbursed on a short term basis for a personal
requirement. This facility is available for any qualifying citizen of Singapore
with a steady income. You can also apply for a personal loan if you are a
foreigner with a valid pass to work and live in Singapore. Accredit Moneylender
provides easy personal loan in Singapore with quick approvals and reasonable
interest rates. We also enable you to choose an appropriate reimbursement plan
for your loan to make the repayment a stress-free and hassle-free process.

Read More



BUSINESS FINANCING

Funding for your own business venture can be a tedious task. Especially, if you
are starting afresh with a zero economic profit margin to fall back on. While
you may not be earning a salary out of the new business immediately, you still
need to pay your employees and keep the system running. Accredit Licensed Money
Lender supports such entrepreneurs and provides a comfortable mattress of
business loan solutions for our ambitious business owners. We provide
short-term, mid-term and long-term loans based on your needs.

Read More


JUST 3 SIMPLE STEPS

01


GET A QUOTE

Submit your loan application information online, where ever you are! Get an
indicative pricing to have an estimate about the loan repayment terms available.
02


GET AN ANSWER

Our Credit Systems makes approval a fast and instantaneous process. Our officers
will contact you to make an appointment if your application is successful.
03


GET YOUR MONEY

Visit our branch with the necessary documents and get your money immediately! No
waiting around get your cash on the same day.


WANNA TALK ABOUT
YOUR PLAN?

Talk to Us

TIPS ON HOW TO GET OUT OF DEBT

There are countless reasons why people in Singapore fail to clear their debts.
The most common reason is that people don’t have enough funds at the right time
to repay their debts and the amount gets accumulated to become a significant
debt. But we will share some amazing hacks with you that will help you get out
of your debt this year. Here’s how you need to get started.

LIST DOWN ALL YOUR DEBTS

Before actually thinking of how to pay off your debts, you must first make a
list of all the debts you have. This is because you want to know exactly how
much you owe each creditor. When you can clearly see the amount you owe and the
number of people you owe it to, it will help you to design a better strategy to
tackle the debts. You may miss out on repaying debts if you don’t have a written
list.

CALCULATE YOUR BUDGET AND DEBT-INCOME RATIO

Begin by creating a budget showing your income and expenditure for each month.
This way, you can allocate your scarce resources more effectively. Designing a
budget will also give you an idea about those expenses that you can cut down on
or completely get away with.

When you have a budget in place, you must also determine your debt-income ratio.
Ideally, the ratio of your debt and income should never exceed 35%. In other
words, every month, 35% of your income should go to your debts and it should not
go over that. Because anything more than that will disable you from paying all
your dues. So, if you intend to take a new loan or credit card, see to it that
the installments, along with your past obligations, don’t go over 35%. It is
always best to avoid taking any new loan before settling your past repayments.

BE READY

The significant step towards tackling your debt is by accepting that you have a
problem. And to get away from the problem, you will have to sacrifice a bit and
put a lot of efforts. Hence, be ready to cut down on your expenses. If you
continue living a posh life with all the major expenses, you will have a tough
time in tackling your debt. So, start comparing goods and services available in
the market and opt for the less expensive ones without compromising on the
quality or features. Also, reduce spending on non-essentials like going out and
entertainment until you have your finances back in control. These minor steps
will leave you with more money in hand at the end of every month, that you can
use to pay off your debt amount.

PRIORITIZE DEBTS WITH HIGHEST INTEREST RATE

It is common sense that if you have multiple debts in your name, you should
clear the one with the highest interest rate. You must know that now or later,
you will have to clear the debts if you want to have a good credit score. Debts
with a higher rate of interest will only add up to your pain as you will end up
paying more and more every month. If you are unable to clear all your debts at
once, leave the ones with the lesser interest rate for later. That way, lesser
money will be accumulated that you will have to pay off later.

In most cases, your credit card repayments will have the highest interest rate.
Think about clearing it first. Also, try controlling your purchases with the
card to avoid higher debt accumulation.

PAY OFF WHENEVER POSSIBLE

It is very easy to have extra cash in hand when you get bonuses, incentives, or
insurance money. Rather than using this amount for living a luxurious life or
buying something big, you can use it to pay off your debts. You can ask your
bank or creditor about their terms for early repayments. And as you know, when
you get your bonus, pay the debt which has the highest interest first.

In another scenario, if your salary has increased, you can consider paying more
every month. You can ask your creditor if it’s possible to make the monthly
installments larger so you can pay it off faster and save on the unnecessary
interests.


FIND OUT HOW ACCREDIT CAN HELP YOU!

As you can see, there are several ways to get out of your debt. You need to have
the mindset that getting out of debt is simple but not easy, so you cannot
afford to slack. So just think smartly, prioritize the debts, do a little cash
planning, and you will be able to tackle the debt without worrying much. It is
easier than you think! Accredit Licensed Money Lender in Singapore may be able
to help you. Find us at any of our branches in Singapore. Rest assured that
there are branches that are convenient for you!

FREQUENTLY ASKED QUESTIONS

MOST FREQUENT QUESTIONS AND ANSWERS

WHAT ARE THE INTEREST RATES MONEYLENDERS CAN CHARGE?

With effect from 1 October 2015, the maximum interest rate moneylenders can
charge is 4% per month. This cap applies regardless of the borrower’s income and
whether the loan is an unsecured or secured one. If a borrower fails to repay
the loan on time, the maximum rate of late interest a moneylender can charge
is 4% per month for each month the loan is repaid late.

WHAT ARE THE FEES THAT MONEYLENDERS CAN CHARGE?

With effect from 1 October 2015, all moneylenders are only permitted to impose
the following charges and expenses:

a fee not exceeding $60 for each month of late repayment;

a fee not exceeding 10% of the principal of the loan when a loan is granted; and

legal costs ordered by the court for a successful claim by the moneylender for
the recovery of the loan.

IN THE EVENT THAT I AM STANDING AS A SURETY FOR A LOAN, WHAT SHOULD I LOOK OUT
FOR?


You should ensure that:

 * You understand your responsibilities as a surety;

 
 * You receive a copy of the Note of Contract at the time that the loan is
   granted to the borrower;

 
 * The moneylender has explained the terms in the Note of Contract in a language
   that you understand; and

 
 * The moneylender does not keep your NRIC card or any other personal ID
   documents (e.g.driver’s licence, passport).

 
 * The moneylender does not acquire any information that contains passwords to
   your user accounts (e.g. Singpass account, Internet banking account, email
   account).

WHAT SHOULD I DO AFTER BEING GRANTED A LOAN?


 * Make sure the moneylender delivers to you the correct principal amount of the
   loan. The moneylender is only permitted an upfront deduction of a loan
   approval fee of up to 10% of the principal amount.

 * Pay the loan instalments on time to avoid incurring late payment fees and
   late interest.

 * Make sure the moneylender issues to you a receipt every time you make any
   repayment towards your loan, and check it for correctness (e.g. name, amount,
   date).  

 * Make sure you receive a statement of account for all your loan(s) at least
   once every January and July, and check it for correctness (e.g. name, amount,
   date); and

 * You should retain all statement of accounts and receipts of payments, as
   documentation and evidence of payments. 

HOW DO I KNOW WHETHER A MONEY LENDER IS LICENSED OR NOT?


Do not borrow from unlicensed Singapore moneylenders. Verify that a moneylender
is licensed in Singapore by checking the list of licensed moneylenders. Click
here to access the list of licensed moneylenders. Notwithstanding that the
moneylenders are licensed, be mindful if they:

 * Use abusive language, or behave in a threatening manner towards you.
 * Ask for your SingPass user ID and/or password.
 * Retain your NRIC card or any other personal ID documents (e.g. driver’s
   licence, passport,work permit, employment pass or ATM card).
 * Ask you to sign on a blank or incomplete Note of Contract for the loan.
 * Grant you a loan without giving you a copy of the Note of contract for the
   loan and/or without properly explaining to you all the terms and conditions.
 * Grant you a loan without exercising due diligence (e.g. approving a loan over
   the phone, SMS or email before even receiving your loan application form and
   supporting documents, such as the income tax assessment and payslips).
 * Withhold any part of your principal loan amount for any reason.

Such practices are not acceptable. If you encounter them, you should report the
moneylender to the Registry of Moneylenders, with information such as the
moneylender’s business name, licence and contact numbers.

To find out more about unlicensed money lenders in Singapore, you may click on
this link: Unlicensed Moneylending

WHAT SHOULD I CONSIDER BEFORE TAKING UP A LOAN?

Consider whether you are able to abide by the contractual terms, bearing in mind
your income and financial obligations. Borrow only what you need and are able to
repay. Be mindful that if you are unable to meet the contractual terms, the late
payment fees and interest payment will be a financial strain not just on
yourself but also on your family.

Before approaching a moneylender in Singapore, consider other alternatives, such
as the various financial assistance schemes offered by various Government
agencies. You may contact the agencies to find out more about their schemes.

 You are legally obliged to fulfill any loan contract you enter into with a
licensed moneylender.
 Consider whether you are able to abide by the contractual terms, bearing in
mind your income and financial obligations. Borrow only what you need and are
able to repay. Be mindful that if you are unable to meet the contractual terms,
the late payment fees and interest payment will be a financial strain not just
on yourself but also on your family.
 The law requires moneylenders to explain the terms of a loan to you in a
language you understand and to provide you with a copy of the loan contract.
Make sure you fully understand the terms of the contract, in particular, the
repayment schedule, the interest rate charged and the fees applicable.
 
 You should shop around different moneylenders for the most favourable terms.
You should not rush into and commit yourself to a loan until you are satisfied
with the terms and conditions.

TALK TO US

CLICK HERE TO APPLY NOW



Awarded by Ministry of Law to operate a new Pilot Programme, we have been
providing transparent and quality service since 2002.

 


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