Bad Credit Loan Singapore

Loan for Poor Credit, What is it?

A bad credit loan is an unsecured loan that can be taken by individuals with bad credit ratings. Most traditional moneylenders have very stringent rules on borrowing, and most of the time, a poor credit score will cause your loan application to be rejected.

When money is tight and you don’t have many alternatives to get a personal loan, QV Credit is here to help.

You’re running into a cash flow situation and want to apply for a personal loan. But the banks are rejecting your application because of those mistakes you made in the past. It’s frustrating to be penalised like that. But there’s nothing much you can do. Or is there…?

With a bad credit score, you can still have options. And there’s still a chance to improve your credit rating.

Introducing Bad Credit Loans!

Why Should I Borrow from QV Credit?

We help relieve your financial stress so you can focus on the issue at hand and claim your normal life back.

Easy and Quick Application Process

Our online application form is simple and to the point. You can find the form here. No need to download, scan and fax, just fill it in and hit “Send”! It is a fast process!

Fast disbursement of cash

We know how urgent the money is. Therefore, we will give you the money via cheque or cash right after the loan is approved. You can get it within 24 hours if needed!

Flexible repayment plans

Everyone has their own unique problems. There is no template for a repayment scheme. We tailor loan packages for each individual, and we work out a repayment plan that works for you. We do not want you to be stressed over finances even after the current problems are over.

Great Customer Service

We hold our clients as the number one priority. We will always put you first. Our loan assistants are extremely experienced in finance and are both friendly and helpful. They are available for queries or concerns, always.

Apply for Funds with QV Credit

Get An Instant In-Principle Approval And Collect Your Money On The Spot!

Apply for a Personal Loan with QV Credit

Eligibility and Requirements

We understand times are tough and you need financial assistance. So we make it easy for you to get access to personal loans.

All a borrower needs is to be at least 21 years old and a Singapore citizen, or a PR with a valid Work Permit. We will also require the following documents during the loan appointment, just for compliance purposes:

What You Must Provide

  • National Registration Identity Card (NRIC) or Passport
  • Confirmation Letter or Certificate of Employment in Singapore
  • Payslips from the past three months
  • Latest billing proof such as bank statements, mobile phone bill, etc.
  • Tenancy agreement (Only if your current residence is rented)

If you have any questions regarding the needed documents, feel free to give us a call at +65 6835 7666 and our assistants at QV Credit will be more than happy to explain more.

How to Borrow if you have Low Ratings?

The thing about having bad credit is that the whole world thinks you’re a bad person. But sometimes, you’re just forced by circumstances. And it’s not your fault!

In order to save innocent people who fall in this category and give others a second chance, bad credit loans are offered by licensed moneylenders.


Apply for a loan online here.


Wait for our team to contact you, this will be done within a day.


Our loans assistant will ask some questions and inform you of the documents needed. You will set a date and time for the appointment.

The mandatory documents needed will be:
  • Proof that you are a Singapore citizen over 21 years of age OR
  • A foreigner with a legitimate job authorization (S Pass)
  • NRIC photocopy (both sides)
  • Not bankrupt
  • Tenancy agreement for foreigners
  • Proof of address (PUB bill or handphone bill)
  • Evidence of income

You will meet our loan assistant at our office.


They will take your documents, and go through the loan agreement, including all terms and agreements and other fees. We will not keep any charges hidden, we are fully transparent with everything. They will also work out a repayment schedule that is comfortable for you.


Once you agree to the terms and conditions, you will sign the loan agreement.


After this, the loan assistant will give you the money in cheque or cash.

Get Alternative Funds from QV Credit

Get An Instant In-Principle Approval And Collect Your Money On The Spot!


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!

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, the best money lender for you is QV Credit!

How to find us

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We have moved!

QV Credit is now 118 Credit as of 14 January 2022

Please find the same information and friendly customer service team over at our new website.

Apply for a Personal Loan with QV Credit