1 Fullerton Credit Pte Ltd is a licensed moneylender (License No. 100/2023) listed in the Registry of Moneylenders, under the Ministry of Law in Singapore.

Bridging Loan

  • Borrow up to 6 times your monthly salary
  • Low-interest rates from 1 to 4% only
  • Unsecured loan – No collateral/pledging of assets needed


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Your dream home is within reach with 1 Fullerton Credit’s bridging loan. With this bridging loan, you can make large sum payments easily. Get the funds you need to pay for your home downpayment while you wait for the sales proceeds of your old property.

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.

Computer with thick

Call or Apply Online

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

Money Lender Face to face consultation

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.


At Least 21+ 
Years Old

Minimum of  SGD2,000 Salary Required

Exercised the option to purchase (OTP)

Documents Requirements

Local and Permanent Residents

  • Identity card / NRIC
  • Proof of residence (utility bill, a letter addressed to you and/or tenancy agreement)
  • Proof of employment (certificate of employment or recent 3 months payslip)
  • SingPass (to log into CPF, HDB, IRAS website)
  • Copy of the “Option To Purchase” (OTP)


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Bridging Loan FAQ

1 Fullerton Credit’s bridging loan is an unsecured loan in Singapore with low interest rates making repayments manageable. This type of loan bridges the gap between the time you need to pay your home downpayment and when you receive the sales proceeds from your old property.

Let’s take a look at this example cost breakdown:


Financing a S$1,000,000 property purchase

Down payment

(5% cash)

5% x S$1,000,000 = S$50,000

Down payment

(20% cash and/or CPF funds)

20% x S$1,000,000 = S$200,000

Loan amount

(Assuming you qualify for maximum 75% Loan-to-Value)

75% x S$1,000,000 = S$750,000

Assume you have successfully paid off the 5% downpayment in cash but your savings are not enough to pay for the next S$200,000 downpayment since your funds are tied to your old property. To top it all off, your next home loan is yet to be approved.

This is when you can take out a bridging loan. You can use the funds from this loan to pay off the hefty 20% downpayment.


  • At least 21 years old
  • Must exercise the Option to Purchase (OTP)
  • Minimum Income: 
    • Singaporeans or Permanent Residents: S$2,000
    • Foreigners: S$3,000


  • A copy of your NRIC
  • Copy of the OTP
  • Proof of income and employment
  • Proof of residence
  • SingPass to log in to CPF, IRAS, and HDB websites

Before committing to any money lender, the first thing you should do is verify their credibility. Check the complete list of licensed moneylenders on Singapore’s Ministry of Law to avoid loan scams.

Next, you need to compare the different loan packages available to find the lowest interest rates, tenure, and terms. Find one that suits your needs and repayment capacity.

Lastly, read customer reviews and feedback on online review websites, such as Loan Advisor and Google Reviews. Choose a trustworthy and reliable moneylender in Singapore.

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.

We have established an excellent reputation over the years. In fact, we are noted by our clients as “professional, efficient, and client-oriented,” assuring you that you are borrowing from a legal, responsible, and ethical agency.

For secured loans, you can borrow any amount with us. For unsecured loans, like bridging loans, you can borrow up to 6x your monthly income. However, the total amount will vary depending on several factors, such as your income.

See the table below for details:

Borrower’s annual incomeSingapore Citizens and Permanent ResidentsForeigners residing in Singapore
Less than $10,000$3,000$500

At least $10,000

and less than $20,000

At least $20,0006 times monthly income6 times monthly income

All moneylenders are only permitted to charge up to a 4% monthly interest rate. This cap applies regardless of your income or whether the bridging loan is secured or unsecured.

Licensed moneylenders in Singapore are also permitted to impose the following fees:

  • An upfront administrative fee of not more than 10% of the principal loan amount when the loan is granted
  • A late fee of not more than S$60 for each month the loan is repaid late

Applying for 1 Fullerton Credit’s personal loan is easy and straightforward as long as you have your complete set of documents and information. The application will be processed in less than 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 plan. You will receive the borrowed money on the same day as soon as the agreement has been signed.

1 Fullerton Credit’s bridging 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.

We are proud of our competitive bridging loan plans that adhere to the Moneylenders Act. We offer unsecured loans of up to 6x your income at the lowest interest rates between 1 and 4% per month. We only impose the required and permitted fees and interest rates and make sure to customize 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. 

We look forward to serving you.

For 1 Fullerton Credit’s bridging loan, the repayment period is up to 1 month only or until the property’s completion date.

  • Make sure the lender delivers to you the correct principal amount of the loan or actual loan amount. The lender is only permitted an upfront processing fees 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, additional interest rate, and late interest.
  • Make sure the lender issues you a receipt every time you make any repayment of the loan 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.

Yes, you can. Simply call or apply on our official website https://1fullertoncredit.com.sg/ or talk to our loan officer at 6588 1886. Once your online application is confirmed, a loan officer will schedule an appointment to discuss your loan terms and conditions. You are required to visit our office for a face-to-face verification as part of the loan application process.

You are advised to seek clarification on the loan offer and its terms before signing any contract. We are happy to explain the loan terms and conditions so you know exactly what you’re getting into. That said, do not rely solely on the information provided in an advertisement by a money lender.

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