Best Trusted Licensed Money Lender in Singapore
- Located in Telok Ayer | Open Daily
- License Number: 100/2023
- Borrowing Money Made Easy Since 2009
- Quick & Hassle-Free Loans
- Low-Interest Rates
- Personalized Solutions
Borrow With Ease! Apply Now!
TESTIMONIALS
What Our Customers Say About Our Services
More than 600 5-star reviews on

Excellent 5-Star Ratings
Excellent 5-Star Ratings
Over 550 satisfied clients on
and


1 Fullerton Credit
Honours and Achievements
Established in 2009, 1 Fullerton Credit is the best licensed money lender in the heart of Singapore. It provides a wide array of loan options including personal, foreign, business, monthly, and payday loans.



Loan Application Process
Apply For a Loan in 3 Easy Steps





Call or Apply Online
Skip the lines and apply online on our official website or talk to our loan officer at 6588 1886.

Attend In-Person Consultation
Our loan officer will schedule an appointment for you further to discuss the terms and conditions of your loan plan.

Get Your Money
Receive your money in cash as soon as the agreement has been signed.

Call or Apply Online
Skip the lines and apply online on our official website or talk to our loan officer at 6588 1886.


Attend In-Person Consultation
Our loan officer will schedule an appointment for you further to discuss the terms and conditions of your loan plan.


Get Your Money
Receive your money in cash as soon as the agreement has been signed.
Borrow Cash With Confidence
In an attempt to appear legitimate, scam artists invented a business name or website that looks genuine.1 Fullerton Credit is only doing business in the following contact information.
Be Wary Of Lenders

Asking for private data
SingPass user ID and/or password or any other personal ID documents

Approving a loan
over the phone
Without a contract or discussing the terms and conditions

Advertise to the prohibited channels
It is fake if you receive flyers, Calls, SMSes, emails, or see posts on social media
Our Loan Services
Stop worrying and bring your plans to life with our financing options that can support you with your dreams of owning a home, wedding, and or covering other impending expenses. See our full suite of loan offerings:

1 Fullerton Credit is conveniently located at the heart of Singapore!
Regarded by our clients as
Professional. Efficient.
Customer-Oriented
Borrowing Money Made Easy

No Hidden Fees

30-Minute Loan Approval

Flexible Repayments
TESTIMONIALS
What Our Customers Say About Our Services
Recent Reviews On
Money Lending FAQ
Can I apply for a loan from a licensed money lender over the phone or online?
Yes, you may call 1 Fullerton Credit at 6588 1866 or apply online here.
You will be scheduled for an in-person consultation following the initial consultation over the phone. Please prepare the necessary documents and requirements prior to meeting our loan officer to avoid delays. As efficient as it is, you will receive the borrowed money on the same day upon signing the agreement.
How much can I borrow from a licensed money lender?
- Personal Loan – Up to six month’s worth of income
- Foreigner Loan – Up to six month’s worth of income
- Monthly Loan – Up to six months’ worth of income
- Payday Loan – Up to one month’s worth of income
- Bridging Loan – Up to six month’s worth of income
- Business Loan – Up to $200,000
Generally speaking, for secured loans, you can obtain a loan of any amount. For unsecured loans, please refer to the table below for the total maximum amount that you may borrow:
Borrower’s annual income | Singapore Citizens and Permanent Residents | Foreigners residing in Singapore |
Less than $10,000 | $3,000 | $500 |
At least $10,000 and less than $20,000 | $3,000 | |
At least $20,000 | 6 times monthly income | 6 times monthly income |
How quickly will my application be approved before I receive the money?
The loan application process of 1 Fullerton Credit is easy and straightforward. Your loan application will be processed within an hour. After applying online or calling from the comfort of your home, our loan officer will schedule an in-person appointment to discuss the terms of your loan contract. You will receive the instant loan on the same day as soon as the agreement has been signed.
What should I consider before taking up a loan from a licensed money lender in Singapore?
The first thing is to visit the list of licensed money lenders registered with Singapore’s Ministry of Law to avoid loan scams.
Secondly, compare the best loan options from licensed money lenders suitable to your needs and repayment capability before you borrow.
Lastly, check the customer satisfaction reviews on Loan Advisor and Google Reviews to weigh in which licensed money lender is more reliable and trustworthy to borrow from.
1 Fullerton Credit is licensed and registered with the Ministry of Law. Rest assured that we adhere to the law and offer fair and just interest rates since 2009.
What are the fees & interest rates that licensed money lenders can charge to me?
All licensed lender is only permitted to impose the following charges and expenses on personal loans or other types of loans:
- A fee not exceeding $60 for each month of late repayment;
- A fee not exceeding 10% of the principal loan when a loan is granted; and
- Legal costs ordered by the court for a successful claim by the licensed money lender for the recovery of the loan.
The total charges imposed by licensed moneylenders on any loan, consisting of interest, late interest, upfront administrative, and late fee also cannot exceed an amount equivalent to the principal of the loan.
Meanwhile, the maximum interest rate that moneylenders can charge is 4% per month, 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 repayment fees that a legal money lender can charge is 4% per month for each month the loan is repaid late.
The computation of interest charged on the loan must be based on the amount of principal remaining after deducting from the original principal the total payments made by or on behalf of the borrower which are appropriated to the principal.
The late interest can only be charged on an amount that is repaid late. The licensed money lender cannot charge on amounts that are outstanding but not yet due to be repaid.
How do I get the best loan rates from a legal money lender?
To get the best loan rates in Singapore, you may compare different loan packages between lenders through loan comparison websites. Shop around for the most favorable loan terms. That said, avoid committing to any loan plan unless you are satisfied with the terms and conditions.
Please note that the interest rates depend on the loan plan you are applying for. Compared to unsecured personal loans, secured loans will have lower interest rates and can offer you a higher amount of money.
Having collateral such as properties, real estate, bonds, collections, and other items and objects of value can also help you lower your loan’s effective interest rates.
1 Fullerton Credit offers the lowest possible interest rates, in accordance with the Ministry of Law, ensuring you that we practice legal lending and help our clients also practice responsible borrowing by helping you manage the best loan plans suitable for your objectives, budget, and repayment capability.
If you wish to see our clients’ testimonials, please visit our Reviews page. You may also apply for a loan online or call us for further details.
Why borrow a loan from us?
1 Fullerton Credit’s loan is designed to ease your financial emergencies. We make sure to give you the assistance that you need immediately, with a low interest rate in as short as an hour.
This is guaranteed as the application process of 1 Fullerton Credit is easy and straightforward. After requesting online or calling from the comfort of your home, our loan officer will schedule an in-person appointment to discuss the terms of your loan plan. You will receive the borrowed money on the same day as soon as the agreement has been signed.
We are proud of our competitive loan plans that adhere to the Moneylenders Act. And we only impose the required and permitted fees and interest rate and make sure to customise the loan plan accordingly.
Moreover, our ultimate goal is to help you with your financial difficulties, not to add a burden to your financial trouble. Take it from our clients’ verified reviews on Loan Advisor, Google Reviews, and Business Listings, that can attest to our promises and core values — professional, efficient, and client-oriented.
I have taken a loan with another bank/lender. Can I still get a loan with you?
Yes, you can. Although you can apply for more than one cash loan, your application will still be subject to evaluation to ensure that you don’t over-borrow and suffer from financial difficulties.
Take note that unlike traditional banks, 1 Fullerton Credit does not solely rely on credit scores when approving your loan.
What we look for are the following but not limited to:
- Ability to repay the loan
- Certificate of employment
- Proof of income
- Other personal ID documents
Is my borrowing limit different from one lender to another?
Yes, the maximum cash loan amount you can borrow will differ from one lender to another. For instance, banks in Singapore offer a higher maximum amount for much longer tenure with a different interest payment. These banks have a more rigorous evaluation process to release the money so cash disbursement takes time.
1 Fullerton Credit, on the other hand, can disburse the amount, usually, in just only an hour with an easier application process. The interest rates that moneylenders can charge is up to 4% and 10% upfront processing fees – no hidden charges!
Will my loans be approved if I have a bad credit history?
Banks usually reject the application due to low or bad credit history. At 1 Fullerton Credit, as a licensed money lending Singapore agency, we responsibly assess your monetary situation and take into consideration the improvement of your current financial condition.
That said, you can still apply for monthly installments even if you have no good credit score. Additionally, it doesn’t affect the interest payment charged on your loans. But you may not be eligible to borrow a higher amount.
Please feel free to talk to us so we can clear your confusion and further discuss your options.
How do I know if the moneylender is legal or not?
Visit the Ministry of Law’s full list of licensed moneylenders in Singapore to verify if the agency is a licensed money lender.
1 Fullerton Credit’ license number is 100/2023 listed in this downloadable list.
Since 2009, 1 Fullerton Credit has been legally operating and providing honest services to our clients. We are also a responsible lender, taking into consideration our clients’ financial capacity. Furthermore, we have been commended and applauded by our valued clients on Google and Loan Advisor Reviews.
If you suspect that you’re dealing with unlicensed money lenders, report them to the government agencies, such as the Singapore Police Force i-Witness reporting page. Alternatively, you can also file a complaint to the Registry at 1800-2255-529 or through the Ministry of Law’s website.
What are the red flags to watch out for when dealing with money lenders?
Even if they are licensed, you must still be cautious. Watch out for these red flags:
- Asks for your SingPass user ID and/or password
- Fails to return your NRIC card or any other supporting documents
- Asks you to sign a blank or incomplete loan contract
- Fails to provide a clear and thorough explanation of the terms and conditions of the loan.
- Grants you a loan contract without evaluating your loan application.
- Grants you a loan through phone, email, or SMS before receiving your loan application form and required documents
- Withholds any part of your principal loan amount
These practices are unacceptable. If you encounter these errant money lenders, you must immediately report the unlawful or unlicensed money lenders to the Registry of Moneylenders. Provide information including the money lenders’ business name, license, and contact number.
How do I know if the advertisement from a lender is legal or not?
As a licensed money lender, we are subjected to the rules and regulations set by the Ministry of Law Singapore. We are prohibited to advertise our services through unofficial channels like SMS, WhatsApp, or social media.
Legal money lenders are permitted to advertise only through these three channels:
- business or consumer directories (in print or online media);
- websites belonging to the moneylender; and
- advertisements placed within or on the exterior of the moneylender’s business premises.
All other channels are prohibited. Thus, if you receive flyers, SMSes, emails, or other forms of advertisements, report the unlicensed money lenders’ advertisements to the Registry at 1800-2255-529 or via the Ministry of Law’s website.
What are the next steps after receiving the personal loan?
- Make sure the lender delivers to you the correct principal amount of the loan or actual amount. The lender is only permitted upfront processing fees deduction of a loan approval fee of up to 10% of the principal loan amount.
- Pay the loan instalments on time to avoid incurring late payment fees, additional interest rate and late interest.
- Make sure the lender issues you a receipt every time you make any repayment of the amount towards your personal loan, and check it for correctness (e.g. name, amount, date).
- Make sure you receive a statement of account for all your personal loans at least once every January and July and check it for correctness (e.g. name, amount, date); and
- You should retain all statements of accounts and receipts of payments as documentation and evidence of payments.

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