For limited period only

Tel: 6835 7666

* Terms & Conditions apply (for new customer only)

Licensed Money Lender Singapore and Credit Loans for All Situations

If you are urgently in need of emergency cash in Singapore, we are the way to go. There are many instances in life when you might need fast cash, such as buying a new car, paying for your upcoming wedding, going overseas to study, or paying off hefty medical bills.

Given how expensive it is to live in Singapore, it is completely understandable that you will not have enough money on hand to pay for certain things. Many banks have a lengthy and complicated approval process with many terms and conditions. Worse, you might not even be awarded the loan contract after all that!

QV Credit is here to change that. We believe in helping those who need it most because everyone deserves a chance at living their best life.

That’s why we ensure that you don’t waste any time when getting your loan. Furthermore, we are licensed by the government. It is very important to take loans from a licensed money lender as they are bound by legal rules. Be it a personal loan or business loan for Singapore citizens and permanent residents or foreigners, we make getting a cash loan hassle-free.

Here at QV Credit, we also take great pride in ensuring our customers are 100% satisfied. So we do not have any hidden fees and interest charges; we are completely transparent and ensure you fully understand any terms and conditions that come with the package before you sign the loan contract.

Fast and easy application

Easy Money Lenders Application

With a simple application form, you can immediately apply for a loan with us! No interviews and scheduling of appointments needed.

Fastest approval licensed moneylender singapore

Best Loan Approval within an Hour

You will receive approval of your loan application within an hour. No more waiting for weeks of approval.

Bad credit low income loans here

Legal Money Lender

There are many fraudulent lenders such as loan sharks that take advantage of borrowers with ridiculously high interest rates and empty promises. As such, it is crucial that you only borrow from a licensed money lender that is recognised by government agencies and registered with the Ministry of Law. Click here to view the list of licensed money lenders in Singapore.

Lowest interest rates for borrowers

Low Interest Rates in Singapore

Our competitive interest rates have ensured we can remain in this business. You may contact our team to get a quote.

QV Credit

Best Licensed Moneylender in Singapore Since 2010.

Loans Served Daily
Happy Customers
Years of Experience

Money Loans Offered in Singapore

We offer a range of different loan types based on your needs. It doesn’t matter if you have a bad credit history, or low-income, whether you are looking to fund a wedding or get the money to further studies overseas, QV Credit has a loan package perfect for you!

Personal loans licensed moneylender

Need cash for a new car? Medical bills looking too high? Take up an unsecured personal loan with us today to tide over your financial crisis.

Payday loans moneylender singapore

Experiencing a shortage in cash just before your paycheck arrives? Take up our instant payday loan with us to last you till your next payday

Foreigner loans singapore

Getting the foreigner loan you need isn’t as difficult as you might think it is. Our team of dedicated experts will break it all down simply for you.

Business loans singapore moneylender

Having financial difficulties with your company? We cater business loan to MNC and SME from all and any industries.

Housing HDB loans

Housing in Singapore is expensive, so take up a housing loan today with us and get your dream home.

Renovation loans singapore

Renovations are necessary, be it at home or your workplace, but they don’t come cheap. Our renovation loan plans will ensure your space looks good.


You deserve your dream wedding — horse, carriage and all. Our wedding loan plans are customised for every type of ceremony.

Fast urgent cash loans fast approval

In an emergency that needs instant cash? Our fast, urgent cash loans were designed for speedy disbursement of money.

Bad credit loans singapore

Having a bad credit score can make it difficult to obtain loans in Singapore, but not with us. Apply for our bad credit loans no matter your credit score.

Installment loans with low interest rates

Scheduled monthly payments, specific dates, and fixed interest rates will make your financial planning easier. Our installment loans can help you become a savvy borrower.

Short term loans singapore

Emergencies crop up from time to time, and some extra cash is what you need. Our short term loans can fix that.

Debt consolidation loans financial help

Being in debt is no joke. If you’re finding it hard to balance all your payments, try our debt consolidation loan plan.

Easy Loan Application with a Licensed Money lender Singapore here!

Customer Reviews & Testimonials

QV Credit | Licensed Moneylender Singapore | Personal Loan & Fast Cash Loan IconQV Credit | Licensed Moneylender Singapore | Personal Loan & Fast Cash Loan

Burlington Square, 175A Bencoolen Street, #11-08, Singapore

4.8 121 reviews

  • Avatar Hilal Rapani ★★★★★ 2 months ago
    Service is prompt and quick, reminders of upcoming payments are a big help. Any issues with payments are also easily settled. Highly recommended
  • Avatar Nurhashimah Rahim ★★★★★ 3 months ago
    We are happy with the service. We have been with them for 3 years. The staffs are pleasant, very helpful in advising and helping us.
  • Avatar MY MY ★★★★★ 8 months ago
    Have no doubt on their professionalism in handling my inquiries to suit my financial needs. Good service, helpful staff, affordable rates and fast approval. Thumbs up!
  • Avatar dennis tay ★★★★★ 4 months ago
    QV Credit service are good. SK Explain in clear detail to me.Receive cash in 20min. Thanks !
  • Avatar Raymond Ng ★★★★★ 8 months ago
    QV Credit is understandable and willingly to cater to your needs when required. Do approach them if you need any financial assistance. They willing to listen and come up with a suitable loan proposal for you. Keep up the good work.
  • Avatar WR Low ★★★★★ 8 months ago
    Very helpful and friendly service. They will explain to you in detail and understand your financial issue and will advice on the best solution for you. Highly recommended.
  • Avatar Yunnan Chia ★★★★★ 7 months ago
    Service quite fast but still able to explain the terms clearly, will definitely come back when I need their service again, HIGHLY RECOMMENDED!
  • Avatar jonathan2001 free ★★★★★ 9 months ago
    I have no difficulties having the good service from this credit company. The staff gave me full assistance in handling my matters. Really appreciate the good services.
  • Avatar Meimei Cheah ★★★★★ 7 months ago
    First time taking loan from money lender was a bit scared, but after their explanation everything went smoothly .They will assist and willingly to help your financial problem .GOOD SERVICE AND FRIENDLY
  • Avatar Ellie Latrisha ★★★★★ a year ago
    I can’t be enough thankful to these guys. Their professionalism, responsive nature and honest assistance with the whole money lending process was smooth from beginning to end. The expert made himself available to me via method of choice - email, business contact number, which I appreciate and took advantage of. The person even stayed in touch with me during his vacations. I am extremely grateful to the person and work he devoted to my family in the purchase of a new home.
  • Avatar Ahmad Rashidi ★★★★★ a year ago
    QV Credit team is the best MML I have worked with. They are very professional and all my loans cleared thanks to their great help and kind support. Trusted, highly reliable and negotiable. Very disciplined, systematic and SK is one of their best front-line service crew that you must work with. I have been with them for 3 years till all my loans cleared. Lastly, don't hesitate any longer. Drop down to their office and see their service. Kudos to SK and team. Cheers!
  • Avatar Thiery Caron ★★★★★ a year ago
    I wanted to let you know how grateful I am as a homeowner. The staff was a wealth of information and he helped me educate me about which plan would best fit our needs and situation. I rely on his team for many of our property purchases. I do multiple deals each month. If I need short-term financing I need it done right. These experts and his team do it right - fast, friendly, dependable, and professional! Thank you.
  • Avatar steve wheeler ★★★★★ a year ago
    After being irritated by another moneylender, I was really nervous to apply for another loan. I came across QV Credit but I was hesitant at first because as I was worried that I would meet the same situation again. They approved my loan and gave me a payday repayment.The customer service was friendly and they helped me throughout the application process which was really simple. The staff made my experience easy and comfortable that I would definitely return in the future. QV Credit has the given the professional service which you rarely get from other moneylenders. I am thoroughly impressed.

Welcome To Visit Our Office Today!

Phone Number

For other loan enquiries, please email us.

How to Locate QV Credit

QV Credit - Licensed Money Lender Singapore

About Us

QV Credit is a legal, recognized and licensed money lender here in Singapore. Since 2010, we have provided an extensive range of money lending services for those in need of fast cash, with tailored loan packages for Singaporean residents, businesses and foreigners alike.

 Our mission is to offer our clients fast access to emergency cash in times of financial difficulty. Our process is both convenient and hassle-free — no endless paperwork and long loan approval waiting times. Our clients are of utmost importance to us; our team will ensure your loan transactions will go through smoothly and quickly, in order to tide over the difficult times. Our repayments are flexible too — we can cater to specific remuneration dates or agreed on monthly installments.

 QV Credit is a legal moneylender, monitored and licensed by the Registry of Moneylenders Singapore (Ministry of Law). Our packages and plans hence adhere to the policies and regulations set by the Moneylenders Act and Rules. You can expect fairness, convenience, transparency and quick responses from our friendly and experienced team.


Here are some of our Frequently Asked Questions that we get from most of our clients. Do take some time browsing through and we hope you may find the answers you are looking for!

A licensed money lender in Singapore is here for you when you are in financial distress and have no one to turn to.

At QV Credit, we understand that it can be frightening to be in your situation. We also know it can be confusing with so many things to worry about.

That's why we want to make getting fast cash easy for you.

When you apply for a loan at a licensed money lender like us, we'll hand-hold you through the entire application process.

Because we put the needs of our clients first, we always approve money loans in a matter of minutes.

Although we assess your basic documents just for regulatory purposes, we don't have strict checks on credit history.

Finally, we always structure a flexible repayment schedule to make loan borrowing accessible, affordable and hassle free.

Licensed money lenders in Singapore also adhere to regulations set by the Ministry of Law. On the other hand, an unlicensed money lender is not bound by the moneylenders act and rules so they will likely impose a very high interest rate. In fact, it is illegal to even borrow from them!

What are you using the loan for and is it necessary to take out a loan?

We always encourage our clients to spend within your means. But if you have an existing, high interest debt to pay off or have urgent bills to pay, using a loan from a licensed money lender in Singapore as a form of debt consolidation would make sense.

Next, consider your ability to repay the principal loan amount and its interest payment. Do you have any other financing solutions? As much as a loan is meant to help tide you through your financial difficulty, it still needs to be repaid at some point.

If you've determined that you can handle that, here are some other considerations:

  1. Are you borrowing from a bank (and do you qualify) or are you borrowing from a moneylender (and are they a licensed and legal money lender recognised by the Registry of Moneylenders)
  2. What type of loan are you looking for
  3. What is the loan amount you require
  4. What is the interest rate (remember to calculate the EIR too)
  5. What is the loan tenure and what are the loan terms
  6. Remember to include payment fees into your calculation (and fact in late fee or late interest charges if you feel like you might be unable to repay the loan on time)

Licensed money lenders in Singapore are bound by consumer protection rules and MAS regulations. Here are some basic cash loan requirements they have to adhere to.

Secured Loan:

  • No Restriction to any amounts

Unsecured Loan:

  • If your annual income is less than S$20,000 : Up to of S$3,000
  • If your annual income is at least S$20,000 and more, in addition to AWS and Bonuses : Up to 6X of your monthly income

Business Loan

  • Business owners are eligible to take up a small business loan of any size between $10,000 to $300,000. The right amount depends on your business needs and the size of your company in Singapore.

Feel free to fill out our online loan application and head down to our office so we can assess the maximum loan amount we can disburse for your specific case.

In order to take out a loan from any licensed money lender, you have to fulfill these requirements stated below:

  1. A Singapore Citizen or Permanent Resident of Singapore
  2. At least the age of 21 and above
  3. Must not be declared undischarged bankrupt nor any bankruptcy that is ongoing
  4. Permanently employed contributing monthly CPF
  5. Foreigners and Expats must have a Valid Work Permit or Valid Passport
  6. Self-Employed to have their Income Tax Assessment, ACRA, or Vocational License

For QV Credit, we will need some documents to be submitted for verification purposes.

Singapore Citizen / Permanent Resident:

  • Copy of NRIC (front and back) OR
  • Copy of Passport (for Singapore Permanent Residents)

Proof of residence using any of the following documents:

  • Latest Utility bills (electricity, water, refuse collection), rates or tax bills
  • Latest Bank or Credit Card statements (including e-statement)
  • Copy of Rental Agreements showing your address
  • Latest Mobile phone statements / pay TV statements
  • Letter from Employer stating current address
  • Government issued documents stating address (e.g. IRAS, CPF, ICA)
  • Income documents
  • Copy of latest Income Tax Notice of Assessment (2 years for Self-employed); or
  • Copy of latest 1 month computerised payslip from current employer; or
  • Copy of latest 12 month CPF Contribution Statement

Moreover, according to IPTO’s regulation, all successful personal loan applications require the applicant to collect the loaned amount in cash from the licensed moneylender’s office. This is so to ensure that all paperwork required for the loan application is legal and binding between both parties.

Interest rates moneylenders charge are typically slightly higher than banks, mainly because they take the risk of money lending without any collateral (which is better for customers).

Nevertheless, since licensed moneylenders abide by the standards and policies set by the Ministry of Law in Singapore, you can count on the competitive interest rate options they offer. These rates are reasonable since there is a cap that moneylenders can put on interest rates. 

So, you can be guaranteed that you will only need to repay a fair amount of money once the term of your loan is over. In the same way, there are many flexible repayment plans available. You can also check with the moneylender what their payment terms are, so you will be able to foresee the cost you need to pay at the end of the period of your loan.

As mentioned above, these items should be stated in the loan contract, and do make it a point to review the details carefully to avoid any problems in the long run with regard to legal circumstances.

*Note: There are additional late interest charges that a licensed money lender can charge for late repayment.

With effect from 1 October 2015, a licensed moneylender is 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.

Yes it is possible, but we cannot guarantee you will be awarded an extension. Extensions and Refinancing will need to be done through QV Credit.

Just call our hotline and our loan assistants will guide you through the process. We will then follow up with you on information about approval, cancellations, your future payment plan, and the possibility of extensions.

It's important that you contact us early to discuss your needs. If not, late payment fees will be applicable.

There are many money lenders available in Singapore. So when choosing one for your financial concerns, it is important that you deal with one offering a reliable level of service and is flexible with your requirements.

But most importantly is checking the background of money lenders that you are currently looking to. Let's be honest, not every lender can meet your standards and requirements. There are now some moneylenders known for their false and misleading advertising while others are notorious for their malpractice.

Here's what you can do:

  1. Search for the list of licensed moneylenders in Singapore.
  2. Check out their website and see what they have to offer.
  3. Speak to the loan assistants over the phone. Good customer support is a great indicator!
  4. Feel free to enquire about the interest rate moneylenders offer.

After you've decided on a moneylender and you are approved of a loan, you will need to request for a contract that indicates information about the principal amount, interest rates, penalties, and schedule of payment.

The language used in the contract must be one that you can understand, so there will be no confusion or uncertainty as you read it. Make a copy of the loan contract and keep it to avoid any possible disputes.

* QV Credit reserves the rights to amend any of the Terms & Conditions without any Prior Notice.

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