The 15 Best Payday Loans in Singapore
Making sure that every bill and expense will fit within a budget can be challenging, especially if your current salary can’t handle all of your finances. When this happens, searching for the best payday loan in Singapore can be a great help.
Loan providers are offering different kinds of payment solutions and one of them is the plan where you can pay on your payday. This is an ideal option for emergency needs and personal expenses as well.
That’s why we’re here to help you find the most reliable service providers that give the best payday loans in Singapore. Each selection has a flexible payment schedule and accessible interest rates so you can have a hassle-free transaction!
1. Lendela
| BEST FOR | Multiple Personalised Offers |
| SERVICES | Debt consolidation Cash loan Wedding loan Student loan Quick loan |
| WEBSITE | https://sg.lendela.com/ |
| ADDRESS | Lendela Pte. Ltd. (UEN: 201801220D) Funan 109 North Bridge Rd, #07-21 179097 Singapore |
| CONTACT DETAILS | +65 9154 1705 [email protected] |
| OPERATING HOURS | (Mon-Fri 9 a.m. – 6 p.m.) |
One of the hardest parts of getting a loan is finding the right lender, as well as monitoring the progress of your application. Fortunately, Lendela solves those problems, ensuring that your loan is not only accepted, but also processed as fast as possible.
Lendela takes pride in their unique Fintech platform– which allows clients to find the best loan offers for them without any hassle. Transparency is part and parcel of their services, where they ensure that you are immediately informed of any prospective offers from their partnered lenders.
Best of all, you can count on them to be with you every step of the way. They will make sure that you not only know all of your choices, but also end up with a loan that suits your lifestyle and budget. No matter the type of loan you need, Lendela is sure to find the right one for you.
The requirements so you can apply include:
- 18 – 70 years old
- Minimum monthly income of $1,200
- Salaried Singaporean / PR / EP holder
Highlights
- Personalised offers
- Multiple Lenders
- Full Customer Support
- Easy Online Comparison
Customer Reviews
Here’s what a few of Lendela’s satisfied customers had to say:
“My experience was excellent. Staff by name Ben helped me through the process patiently and promptly that made my loan process easy. Appreciate!”
“Very proactive following up on the status and outcome of the application. Prompt and friendly sales rep. who shares best available solution to aid your application needs.”
2. A1 Credit
| BEST FOR | Loanable amount of up to one month worth of income |
| WEBSITE | https://www.a1credit.sg/ |
| ADDRESS | 2 Havelock Road #02-08 Havelock II Singapore 059763 |
| CONTACT DETAILS | +65 6336 0833 | [email protected] |
| OPERATING HOURS | Monday to Friday: 11am to 8:30pm
Saturday & Sunday: 11am to 5pm Closed on Public Holiday |
A1 Credit offers a variety of financial solutions and this includes their best payday loan in Singapore. If you need a budget for urgent bills, emergency repairs, or a vacation cash shortage, their services can cater to all of your needs.
They comply with all the rules and regulations of the law, so rest assured that you’ll be in good hands. To apply, you must be 18 years old and above — local and foreign employees are covered, and only those who have an income of $1,500 can be approved.
Highlights
- Approval within 30 minutes
- Flexible payment schedule
Customer Reviews
Customers have recommended A1 Credit because of their knowledgeable staff who explain all possible loan options and discuss which one is the most suitable for them. A customer gave this feedback:
“Ariene Lu was very helpful and very detail in explaining the loan which i intended to take up.whole process was very smooth and A1 staff were professional.Ariene was very polite and professional.This is really a trusted credit company and i will surely recommend this to anyone who is genuine in need of help.Thank you Ms Airene and A1 for helping me solve the finance issue i’m having and granted me the loan on the spot! Very impress”
3. EZ Pte Ltd
| BEST FOR | Fast payday loans |
| SERVICES | Personal loans, Payday loans, Foreigner loans, Business loans |
| WEBSITE | https://www.ezmoneylender.sg/ |
| ADDRESS | 150 South Bridge Road #01-02 Fook Hai Building Singapore 058727 |
| CONTACT DETAILS | Phone Number: +65 6220 0822 Email : [email protected] |
| OPERATING HOURS | Monday – Friday: 11:00 AM – 7:00 PM Saturday: 11:00 AM – 6:00 PM Sunday & Public Holidays: Closed |
EZ Pte Ltd (formerly EZ Enterprise Moneylender) is a licensed moneylender in Singapore with over 20 years of experience in the lending industry. The company positions itself as a reliable provider of fast and professional financial assistance for individuals and businesses.
A key focus of their services is payday loans, designed for borrowers who need short-term access to cash. These loans are marketed as a quick solution for urgent financial needs, with the company emphasizing efficiency and speed in processing applications.
EZ Pte Ltd highlights its strong commitment to customer service, aiming to ensure borrowers can access funds when they need them most. Their payday loan service is part of a broader effort to provide flexible lending options across different financial situations.
The company also promotes its high standards of integrity in handling all lending accounts. This includes maintaining professionalism and efficiency in every step of the lending process to build trust with customers.
Confidentiality is another major principle in their operations, with assurances that client data will not be shared without explicit permission. This is particularly important for payday loan borrowers who often require discreet financial assistance.
Convenience is also a core part of their service model, with the company focusing on simplifying the borrowing process. They aim to make payday loan applications straightforward and accessible to reduce friction for customers in urgent need.
Highlights
- Fast access to payday loans and other lending options
- Strong focus on customer service
- Emphasis on confidentiality and data protection
- Simple and convenient application process
Customer Reviews
These reviews highlight EZ Credit as a reliable and efficient moneylender, with customers praising their competitive interest rates, smooth loan process, and friendly, helpful staff. Here’s what a few of EZ Pte Ltd’s satisfied customers had to say:
“Needed some quick financial help, and EZ Credit was a lifesaver. Their legal loan service is top-notch, with excellent interest rates that beat out others. The staff were so friendly, and I appreciated the flexible repayment plans. A truly pleasant borrowing experience.”
“EZ Credit is one of the most reliable moneylenders I’ve dealt with. The staff was polite and helpful, and they offered good interest rates compared to other places I enquired at. The process was quick, smooth, and transparent. Will recommend to friends!”
4. Elite Investment & Credit
| BEST FOR | Fast cash emergencies, short-term payday loans, quick approvals |
| SERVICES | Personal Loan, Payday Loan, Foreigner Loan, Business Loan, Wedding Loan, Monthly Installment Loan, Debt Consolidation Loan, PHV / Taxi Loan, Licensed Moneylender Services |
| WEBSITE | https://www.elitemoneylender.sg/ |
| ADDRESS | 799 Geylang Road #01-01 Singapore 389680 |
| CONTACT DETAILS | +65 6970 7161 [email protected] |
| OPERATING HOURS | Monday – Friday: 11:00 AM – 7:00 PM Saturday: 11:00 AM – 6:00 PM |
Elite Investment & Credit is a licensed moneylender in Singapore that has been operating since 2010 and offers regulated lending services under the Ministry of Law’s Moneylenders Registry. The company positions itself as a fast-cash provider focused on transparent, compliant lending with structured repayment terms.
Their payday loan service is designed for borrowers who need quick access to funds before their next salary arrives. The emphasis is on speed, with approvals often processed within an hour and disbursement available on the same day once requirements are met.
The application process is streamlined through online submission, including Singpass Myinfo integration or a basic loan form. This makes it relatively convenient for users who need urgent cash without extensive paperwork.
One of their key selling points is transparency in repayment structure, where borrowers are guided through interest rates, fees, and total repayment before signing. This is intended to help customers clearly understand their obligations before committing to a payday loan.
The company also promotes flexible eligibility and relatively high approval rates, which can appeal to individuals who may not qualify easily with traditional banks. However, this convenience often comes with higher overall repayment costs compared to standard bank loans.
Customer experience is framed around support and consultation, with loan officers assisting borrowers through each step of the process. While this may improve clarity, payday loans in general still require careful consideration due to short repayment cycles and financial pressure.
Overall, Elite Investment & Credit is best suited for individuals who need fast, short-term cash and understand the cost of borrowing. It is positioned as a regulated, structured option for emergency funding rather than long-term financial planning.
Highlights
- Fast approval and same-day cash disbursement
- Licensed and regulated under Singapore authorities
- Simple online application process (Singpass/Myinfo supported)
- Transparent breakdown of fees and repayment terms
Customer Reviews
These reviews highlight friendly, professional staff and clear communication, with customers appreciating how smoothly and helpfully the loan process was handled, including ongoing support for repeat clients. Here’s what a few of Elite Investment & Credit’s satisfied customers had to say:
“Staffs were very friendly and professional. Explained everything in details. Loans procedures were explained clearly and to point. Great job. The choice for loans. Highly recommended. 👍”
“Been a customer here a long time, reloan multiple times with elvis, very helpful and friendly, helped out with whatever difficulty I was facing.”
5. Swift Credit
| BEST FOR | Fast cash emergencies, short-term payday loans, urgent bill payments, and borrowers who need same-day approval from a licensed moneylender |
| WEBSITE | https://www.swiftcredit.sg/ |
| ADDRESS | 192 Waterloo St, #02-06 Skyline Building Singapore 187966 |
| CONTACT DETAILS | +65 6684 4129 | [email protected] |
| OPERATING HOURS | Monday – Friday: 11:00 AM – 7:00 PM Saturday: 11:00 AM – 6:00 PM |
Swift Credit is a licensed moneylender in Singapore established in 2009 and regulated by the Registrar of Moneylenders. It positions itself as a fast and reliable option for borrowers who need urgent cash, especially through payday loan services.
Their payday loan product is designed for short-term borrowing to cover expenses before the next salary. Approval is marketed as fast, with same-day or even near-instant processing once documents are verified.
The application process is largely digital at the start, with customers submitting details online before visiting the office to complete mandatory paperwork. This face-to-face step is required under Singapore’s lending regulations, even for fast-approval loans.
Swift Credit highlights convenience as a key advantage, particularly for people dealing with emergencies like bills, medical expenses, or temporary cash flow issues. The company also emphasizes that payday loans are meant for short repayment cycles tied to the borrower’s next paycheck.
One of the main selling points is speed, with claims of approval within minutes once documents are in order. After approval, funds are disbursed quickly—often on the same day—making it attractive for urgent financial situations.
They also promote flexible repayment arrangements and tailored loan packages depending on income level and borrower needs. However, payday loans typically still come with short repayment windows, meaning borrowers must manage repayment carefully to avoid financial strain.
Overall, Swift Credit positions its payday loan service as a fast, regulated, and accessible emergency funding option. While it is convenient and quick, it is best suited for borrowers who are confident they can repay on time without rolling into additional debt.
Highlights
- Licensed and regulated moneylender in Singapore
- Very fast approval and quick cash disbursement
- Simple online application with in-office completion
- Offers multiple loan types beyond payday loans
Customer Reviews
This review highlights a very fast and friendly loan experience, with helpful staff who made the process smooth and easy for first-time customers, leading to strong trust and repeat intention. A customer gave this feedback:
“My first time went down serve by Kiki and Roman they super very friendly and helpful they help me get my loan very fast.this is best money lender I will come back again.thank you”
6. Cash Mart
| BEST FOR | Personal and business loans |
| WEBSITE | https://cashmart.sg/ |
| ADDRESS | 277 Balestier Road, Singapore 329726 |
| CONTACT DETAILS | +65 6397 4111 | [email protected] |
| OPERATING HOURS | Mondays – Fridays: 11:00 am – 8:00 pm
Saturdays: 11am – 6pm |
Cash Mart is an award-winning private lending company that provides express loans for every individual and corporate borrower as well. As they’re also one of the longest-running companies on the island, they know how to adapt to market trends and legal changes, giving their clients the best payday loans in Singapore.
When it comes to their payday loan, you can get a loanable amount of up to $15,000 with the lowest possible interest rate. It’s also payable within a maximum of 12 weeks and you can be approved within 30 minutes.
Highlights
- Permanent residents and foreigners with a valid work permit can apply
- Must be above 21 years of age
7. Credit 365
| BEST FOR | Monthly installment loans |
| WEBSITE | https://www.365credit.com.sg/ |
| ADDRESS | 14 Scotts Road #03-64 Far East Plaza, Singapore 228213 |
| CONTACT DETAILS | +65 6222 5500 |
| OPERATING HOURS | Weekdays: 10:30am–8:30pm
Weekends: 10:30am–5pm |
Credit 365 can help you survive the next few weeks before payday as they provide monthly installment loans. The payment schedule will be set depending on your capability to pay so you can have a stress-free negotiation.
Locals and foreigners with 18 years of age can apply and the required salary is between $1,500 – $2,000. Just submit all the necessary documents and you’re now ready for loan approval.
Highlights
- Same-day cash loan approval
- Separate foreigner loan
Customer Reviews
Most customers keep coming back for the reliable services of Credit 365 and its best payday loan in Singapore. A customer wrote this review:
“I’m back again and requested to be served by Cecilia as I was served by her when I was there a few months back. I feel very comfortable and happy with her patience and explanation. Not that I’m not happy with the rest of the staffs. Overall the staffs there are friendly as they do smile at you when you enter. No regrets going there and will recommend friends in future”
8. Quick Credit
| BEST FOR | Fewer document requirements |
| WEBSITE | https://www.quickcredit.com.sg/ |
| ADDRESS | No 2 Jurong East Street 21 #04-01A IMM Building 609601 Singapore |
| CONTACT DETAILS | +65 6899 6188 | [email protected] |
| OPERATING HOURS | Weekdays: 11:00 am to 8:00 pm
Weekends: 12:00 pm to 5:00 pm |
Quick Credits offers a simple and easy loan application process with fewer documents than usual needed for approval. Their loan limit is based on the borrower’s annual income.
They also consider special cases for flexible monthly repayments to meet your needs. Whether you’re a local or foreign resident, you can apply fairly easily.
Highlights
- Local and foreign residents
- Flexible monthly repayments
Customer Reviews
Throughout a decade of service, Quick Credits has gained a lot of wonderful feedback from many customers due to their detailed guidelines. A customer left this post:
“Pleasant experience! Was being served by Ms Karman, she was all smiles and patiently guide all the details laid out. And advised further on what to do in order to prevent to pay more. An experience that i have never encountered with others. Highly recommended!”
9. Raffles Credit
| BEST FOR | Personalised loan repayment terms |
| WEBSITE | https://www.rafflescredit.com.sg/ |
| ADDRESS | 17A Circular Road Singapore 049373 We are at Level 2! Nearest MRT: Raffles Place & Clarke Quay) |
| CONTACT DETAILS | 6235 1788 |
| OPERATING HOURS | Mon to Fri: 10.30am to 8pm
Sat & Sun: 10.30am to 4.30pm Closed on Public Holiday |
Raffles Credit provides a highly amenable payment plan designed for your needs and convenience. Regardless if you’re a local or foreign resident, as long as you have regular employment and your annual income is between $18,000 and $24,000, you can apply for their best payday loan in Singapore.
Their loans are accompanied by low-interest rates so you can easily calculate the repayment amount. Other services such as personal, business, foreigner, and monthly loans are also part of their offers.
Highlights
- 60-minute loan approval
- No hidden charges
Customer Reviews
Raffles Credits has earned the respect of the customers through their flexible payment solutions and accommodating staff. A customer gave this feedback:
“I am very happy with this company. They really helped me finish my loan without pressuring me. They are very very patient with me especially this past few months that i had struggle financially. All their staff will serve you with a smile. Everything will be properly explained to you.”
10. Capable Loans
| BEST FOR | One-stop SME Loans |
| WEBSITE | https://www.capable.loans/sme-business-loans/ |
| ADDRESS | 34 Boon Leat Terrace #05-15, Singapore 119866 |
| CONTACT DETAILS | [email protected] | +65 9273 7185 |
| OPERATING HOURS | Daily: 9am–9pm |
Capable Loans allows you to start your business hassle-free! They’re able to accommodate almost any business need, from starting funds to equipment expenses. With their help, you won’t have to worry about your starting capital.
They’re easy to deal with as they’re personable to every client– no matter how big or small the business one runs. Make sure to check more of their services and apply early, to get a free assessment and personal check about what loans can be applicable to you.
Highlights
- Fast and Efficient Service
- Great Customer Dealings
- Easy Applications
Customer Reviews
Take a look at what a satisfied customer had to say about Capable Loans’ amazing service and offers:
“Most efficient of all the loan agencies. Capable Loans got back to me the fastest and were very quick with assessing/submitting for my company. One shot got my business loan approved”
11. Advance Cash Credit
| BEST FOR | Fast Cash Loans |
| WEBSITE | http://advancecashcreditonline.com.sg/ |
| ADDRESS | 304 Orchard Lucky Plaza, #04-12 Singapore 238863 |
| CONTACT DETAILS | Contact no: +65 6250 0848 Fax No. : +65 6336 4044 Email : [email protected] |
| OPERATING HOURS | Monday – Friday: 10.30am to 7.30pm Saturday: 10.30am to 4.30pm Sunday / Public Holiday : Closed |
If ever you’re in sudden need of money to pay off those unexpected bills and expenses, then Advance Cash Credit is certainly the one you should go to. They’re known in all of Singapore to be fast, reliable, and easy to work with.
Advance Cash Credit ensures that you get the money you need without worrying about the interest piling up and the due date being too near. All they’re here for is to be of help to those who are in dire need and unable to get financial aid from their own banks.
Highlights
- Few-Stepped Application
- Low Interest Rates
- Highly Flexible Payment Schemes
Customer Reviews
Previous clients of Advance Cash Credit applauds the company for being personable to each of their customers, and making sure that each are handled with the utmost importance. Here is one of the feedbacks left on their Google Review:
“Excellent, reliable and fast service by loan officer Kai Ling. Highly recommended if you intend take loan from them.”
12. Accredit Loan
| BEST FOR | Cash Advance, Personal, and Business Loan |
| WEBSITE | https://www.accreditloan.com/ |
| ADDRESS | Tampines: 503 Tampines Central 1, #01-315, Singapore 520503 Hougang: 1187 Upper Serangoon Rd, #01-15 The Midtown, Singapore 533971 Tiong Bahru: 18, Jalan Membina, #01-04, Singapore 164018 Yishun: 743 Yishun Ave 5, #01-548, Singapore 760743 |
| CONTACT DETAILS | Tampines: +65 6226 2662 Hougang: +65 6245 2662 Tiong Bahru: +65 6261 2662 Yishun: +65 6219 2662Email: [email protected] |
| OPERATING HOURS | Tampines: Monday-Friday: 11 am to 9 pm Saturday-Sunday: 10 am to 5 pmHougang: Monday-Friday: 10 am to 8 pm Saturday-Sunday: 10 am to 5 pmTiong Bahru: Monday – Friday: 11 am to 9 pm Saturday – Sunday: 10 am to 5 pm Yishun: |
If you’re in need of cash assistance, then you must give Accredit Licensed Money Lender a call. They offer a wide range of loans, including personal loan, emergency fund, business loan and cash advance.
They pride themselves on providing the highest quality of loans suited to your needs– all with low interest rates. They assure you that you can count on them when it comes to your financial needs.
Through the help of their expertise, best believe that they can help you with your concerns. Reach out to them today, and be provided with the best assistance!
Highlights
- Low interest rates
- Fast, safe and simple
- Secured and responsible lending
13. Aero Credit
| BEST FOR | Fast Loan Processing |
| WEBSITE | https://www.aerocredit.com.sg/service/payday-loan/ |
| ADDRESS | 810 Geylang Road City Plaza, #02-59, , Singapore 409286 |
| CONTACT DETAILS | OFFICE NUMBER: +65 6256 6319 |
| OPERATING HOURS |
Monday – Friday: 11:00 AM – 8:00 PM Saturday: 11:00 AM – 3:00 PM Closed on Sunday & Public Holiday |
Aero Credit is considered to be one of Singapore’s most reputable moneylenders, having first opened its doors to the public in 2010.
What began as a humble firm soon grew into something more, thanks to Aero Credit’s dedication to providing only the highest quality loan services to their clients. Every loan is easy to manage, safe, and beneficial to the person being lent money.
Payday Loans at Aero Credit are given after a short, quick assessment, which includes checking employment terms and credit rating for eligibility. Once cleared, clients can easily acquire the loan, one that should be paid off come the next paycheck.
The team at Aero Credit is highly knowledgeable in the field, professional, and are quick on their feet. Contact them today for more details on the loan process.
Highlights
- Fair rates
- Free online inquiry
- Easy application
- No hidden fees
Customer Reviews
Take a look at the feedbacks left on Aero Credit’s Google Review:
“Been with Aero Credit for quite some time, only went there when need urgent cash. They are always fast respond and the loan application very fast. I should say it’s very efficient. Well done.”
“Thanks so much for providing me this urgent personal loan. A very friendly money lender. Thanks for listening to my problems and provide a some guideline.”
“It was my first experience approaching a moneylender for some last minute financial matters. Staff was patient and clarified with me on my doubts. Will recommend them if anyone requires such assistance.”
14. R2D Credit
| BEST FOR | Up to 12 months installment plan |
| WEBSITE | http://r2dcredit.com/ |
| ADDRESS | Blk 846 Yishun Ring Road #01-3661 Singapore, 760846 |
| CONTACT DETAILS | [email protected] 6635 1596 |
| OPERATING HOURS | Mon-Fri 11.30am – 7.30pm, Sat 11.30am – 6.00pm |
R2D Credit offers a wide range of money lending assistances like business loans, debt consolidations, and more. They’re considered to be Singapore’s number one personal loan provider, and is known for their hassle-free payday loans as well.
R2D boasts a high approval rating, way above other loaning companies, which allows them to accommodate and assist more clients through their financial problems. Their applications are also very easy to finish and requires only the simplest of information.
Another reason why clients prefer R2D is because of their top notch customer service. All of their officers and staff are professional, courteous, and take the time to listen to each of their clients’ inquiries.
With the way they handle things, R2D is definitely a company recommended for you to consider. All the details are posted on their website, but questions are still welcomed and can be sent through email or via call.
Highlights
- Friendly and accommodating staff
- Professional loan services
- Fast and efficient processing
15. I-Credit
| BEST FOR | Personalized Loans |
| SERVICES | Short-term loans, Long-term loans |
| WEBSITE | https://www.icredit.com.sg/ |
| ADDRESS | 82 Lorong 23 Geylang, Atrix Singapore #05-02 (S) 388409 |
| CONTACT DETAILS | +65 6222 5222 |
| OPERATING HOURS | Monday to Friday: 11:00 am – 8:00 pm Saturday & Sunday: 11:00 am – 4:00 pm |
I-Credit is a private licensed moneylender that is perfect for personal loans, whether they are short-term or long-term loans like mortgages. They are also at an accessible location, which is perfect for consumers who are on the go and need moneylending services nearby.
We admire their approach to moneylending since they pay special attention to detail and care about the clients’ requirements and priorities, such as their budget and circumstances.
All necessary information is also easily available on their website so that clients may know what charges to expect when using their services, as well as the assurance that they completely adhere to the law and industry regulations.
Aside from that, they feature a quick approval rate and flexible repayment ways that are readily adjustable to the client’s demands, such as monthly, weekly, and fortnightly, among others.
Overall, with a complete government license and equally effective customized services, we strongly suggest their services to consumers in need of money without the trouble and time-consuming application process.
Highlights
- Fast approval
- Flexible loans
- Fully licensed by the government
Customer Reviews
Here is a review from their client:
“Super convenient location just across Aljunied mrt. Ample carpark and nice building. I am a customer of the licensed moneylender (I-Credit) on the 5th floor. Always find it very easy to come here.”
And that’s the end of our list of the best payday loans in Singapore! If you’d like to see more options, see these best personal loans in Singapore! They also offer flexible deals that can help you manage your finances.