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24 Hours Licensed Money Lender Singapore

Apply for a loan anytime with our islandwide 24 hours online application form. For a faster process, use Singpass Myinfo, which automatically populates your form with data instantly. It's secure, fast, and easy!

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Seeking a loan from a money lender?

These days, it’s not uncommon to come across unsolicited loan offers from unknown sources through channels like WhatsApp. These are most likely from unlicensed money lenders, as licensed money lenders are not allowed to advertise through such channels.

Apart from unlicensed money lenders being illegal, borrowing from them carries great risks — including putting your own personal safety at risk.

If you need financial support from a moneylender, your safest way would be to borrow from a licensed moneylender in Singapore like us.

While Singapore doesn't have a 24 hours moneylender, you can conveniently apply with us for a loan online anytime, day or night. Submit your application via our website at your convenience, and our service staff will promptly get back to you on the next working day.

Why choose to take a loan with us?

Get Cash Fast

With us, getting the cash you need takes only 30 minutes. We don’t require any guarantor, which allows us to simplify and accelerate the application process so you get the cash you need effortlessly.

Affordable Repayment

Here at QuickLoan, we make repayment affordable by offering customised loan plans with credit limits based on your salary, as well as having low effective interest rates.

Flexible Plans

As the best licensed money lender in Singapore, our flexible repayment plans can be tailored to your unique needs and circumstances for more worry-free borrowing.

Most trusted Lender

QuickLoan, Singapore's top licensed money lender since 2010, complies fully with the Moneylenders Act. With a remarkable average rating of 4.9 stars on Google Reviews, our clients attest to our unwavering commitment to exceptional customer service and satisfaction.

We’re Ready to Support Your Financial Needs


loan approvals


your monthly salary

No guarantor



disbursed on the spot


by Registry of Moneylenders

We’re Ready to Support Your Financial Needs

30-minute loan approvals

6X your montly salary

No guarantor required

Cash disbursed on the spot

Licensed by Registry of Moneylenders

Minimum Criteria

As the best licensed moneylender in Singapore, the requirements for taking a loan with us are straightforward:

Minimum age:

18 years old

Minimum salary:

$1,800 for Singaporeans/PRs and foreigners

Documents We’ll Need


Singaporeans or PRs need to present the following:



If renting, provide both:

  • Your tenancy agreement
  • Proof of address such as your phone bill or utility bill

Payslips for the last three months, if available

Bank Token


Foreigners need to present the following:

S Pass / Employment Pass / Work Permit with a minimum 6-month validity


Residence information in the form of both:

  • Phone bill or utility bill
  • Tenancy agreement

Payslips for the last three months, if available

Bank Token

Employment contract

Staff card

3 Easy Steps to Applying for a Loan


Apply online

Apply at our office

Apply via Whatsapp

Free Consultation and
Signing of Agreement

Consult with us at our office, present required documents and sign the loan contract

Receive Cash

Get your cash on the spot with trusted & licensed money lender Singapore!


Apply online

Apply at our office

Apply via Whatsapp

Free Consultation and Signing of Agreement

Consult with us at our office, present required documents and sign the loan contract

Receive Cash

Get your cash on the spot!
Hear From Our Happy Borrowers



Google Reviews


Excellent service

We are happy and very satisfied with their services. We have been with them for 5 years. The staffs are pleasant, very helpful to advise and help us.

Tng Pei Eng

Good Service

Borrowed from several money lenders before but this one was probably the best! Fast response to my questions via their whatsapp always and good service

Emily Toh

Highly Recommended!

First time borrowing money from a moneylender, was a simple process and repayments are surprisingly affordable! Will come back again if need other funding in the future, highly recommend!

Kimberly Lim

Thanks for helping me!

Very good service. I have been with them for many years and they always provide me professional advices. thank you for your help whenever i need money to settle urgent bills. will definitely come back again.

Yau Soon Tin
FAQ About Licensed Money Lender Loan

When borrowing from a licensed money lender in Singapore, you can look forward to low interest rates, fast approval times with less stringent requirements and no hidden fees.


This is because licensed moneylenders are private loan companies verified by Singapore’s Registry of Moneylenders and subject to strict regulations under the Moneylenders Act. You can be sure that all your interactions with a licensed moneylender will be entirely legal and transparent. 


Several factors can help you determine if you’re dealing with a legitimate moneylender. For instance, all licensed moneylenders in Singapore cannot charge interest rates higher than 4% on loans. They will never send you promotional material via email, SMS or social media. 


Also, face-to-face verification is required for all borrowers. This is the reason why licensed moneylenders will always have a physical office where we consult with all borrowers in person. 


If you encounter any lenders who claim to offer fully online loan approvals, be wary, as they are most likely unlicensed moneylenders or loan sharks.    

Start your loan application process with Quick Loan on our website, on WhatsApp or by visiting our office.

Licensed moneylenders are a great option if you need to apply for urgent cash loans. Aside from banks and financial institutions, licensed moneylenders are the only legal private entities allowed to provide personal loans in Singapore.


You can check the Registry of Moneylenders to ensure you’re dealing with a licensed moneylender. 


At Quick Loan, you can access personal loans through an online application, via WhatsApp or by visiting our office. We’ll invite you to an in-person consultation to assess your financial situation, check your documents and determine your loan eligibility. 


Moreover, our hassle-free loan process means that you can look forward to receiving your funds within just 30 minutes to cover time-sensitive financial needs.

Our licensed moneylender loan can offer you quick cash through our online application system. You can expect swift replies to your application, so you won’t be left waiting for a long time to access the funds you need.


At Quick Loan, we welcome Singaporeans, PRs and foreigners who meet our eligibility criteria to apply for a licensed moneylender loan. First, you must be at least 18 years of age and have a minimum monthly salary of SGD1,800. 


We’ll also need personal documents to assess your eligibility, including your NRIC or SingPass for Singaporean and PR borrowers. If you’re a foreign applicant, we require your S Pass, Employment Pass or valid work permit along with your passport, employment contract and staff card. All applicants must provide their proof of residency, payslips and bank tokens.

You may also consider taking out a personal loan with us as an alternative option for a fast cash loan.

Besides ensuring that you meet Quick Loan’s eligibility criteria, we advise you to consider a couple of essential factors before you decide on the right loan for your needs. 


First, consider your capacity to pay off the loan and interest. Borrow only what you need and can afford to repay. We recommend that you shop around for competitive interest rates that keep your repayments affordable. Licensed moneylenders cannot charge more than 4% monthly interest, so you’ll enjoy low effective interest rates when you take out a loan with us. 


Secondly, don’t rush to commit to a loan until you fully understand and are satisfied with the terms and conditions of your contract. Your chosen licensed moneylender must explain the loan terms to you in simple and accessible language and provide you with a copy of the contract for safekeeping.  

Depending on your needs, your dedicated loan officer at Quick Loan will work with you to determine a repayment schedule and interest rate that best accommodates your financial situation.

It’s vital to ensure that any moneylender you’re dealing with is licensed, so you don’t fall prey to scams by loan sharks or unlicensed lenders. 


All licensed moneylenders in Singapore are listed in the Registry of Moneylenders. We advise you to consult this list to verify that your selected moneylender is licensed. 


The Singaporean government regulates all licensed moneylenders with strict operational requirements. These guidelines will help you determine whether you’re dealing with a licensed moneylender. 


For example, a licensed moneylender is not allowed to solicit loans through text messages, phone calls or social media. We must also meet all applicants at our offices to verify their identity before approving any loans. Furthermore, licensed moneylenders have a strict 4% cap on monthly interest rates that can be charged.

Understanding Loans from Money Lenders

In Singapore, licensed moneylenders are the only private entities legally permitted to offer fast cash loans, aside from banks and financial institutions.

How much can I borrow from a money lender

If you qualify, you could receive a loan amount up to six times your monthly salary. For example, a monthly salary of $4,000 could secure you a loan of up to $24,000.

Licensed money lenders in Singapore are regulated by the Registry of Moneylenders and must comply with the Moneylenders Act, which sets guidelines on interest rates, fees, and debt collection practices. This act ensures that money lenders in Singapore operate within a framework that protects borrowers by capping interest rates at 4% per month and limiting fees (including a maximum late fee of SGD 60 per month and a fee of up to 10% of the principal at the time of the loan grant).

Be cautious of unsolicited loan offers you may receive through channels like WhatsApp or SMS. These offers often come from unlicensed lenders, as licensed moneylenders are restricted from advertising in this way.

Borrowing from unlicensed lenders is illegal and risky, potentially endangering your personal safety.

For secure financial assistance, always opt for the best licensed moneylender in Singapore like us at Quick Loan for legality and safety.

Loan Types

Money lenders in Singapore primarily offer unsecured personal loans, which do not require collateral. For borrowers who require instant loans, money lenders may offer a viable alternative due to their less stringent eligibility criteria compared to banks.

Quick Loan offers a variety of personal loans designed to meet your specific needs, with the convenience of instant approval in just 20 minutes. Here’s an overview of the loan types available:

  • Personal Loan : Quick Loan’s flagship offering, these loans are tailored to help you cover personal expenses with flexibility and ease. Whether you need quick cash for unexpected bills or to manage day-to-day expenses, our personal loans provide a reliable financial solution.
  • Wedding Loan : Planning your dream wedding can be expensive. Quick Loan’s wedding loans are here to ensure you have the funds to make your special day unforgettable, covering everything from the venue to the honeymoon.
  • Renovation Loan : Transform your home into the space you’ve always wanted with our renovation loans. Ideal for funding your home improvement projects, these loans help you enhance your living environment without the financial strain.
  • Education Loan : Invest in your future or that of a loved one with an education loan from Quick Loan. These loans are designed to ease the burden of tuition fees, books, and other educational expenses, ensuring you can focus on your studies without financial worry.
  • Emergency Loan : Life can be unpredictable, and sudden expenses can arise without warning. Our emergency loans are designed to provide you with rapid financial assistance to cope with urgent medical bills, unexpected repairs, or any other immediate needs.

Explore these options and more at Quick Loan, where we are committed to providing you with fast, flexible, and transparent loan services to help you manage your financial challenges effectively.

Licensed vs. Unlicensed Lenders

It's crucial to distinguish between licensed and unlicensed lenders. Licensed money lenders Singapore adhere to regulatory standards, offering borrower protection and transparency. In contrast, unlicensed lenders or loan sharks may engage in unethical practices like charging exorbitant interest rates and using intimidation for debt collection.

For your safety and to ensure you are dealing with a reputable lender, it is essential to verify that the lender is licensed by checking the list on the Registry of Moneylender's website.

There are plenty of channels and ways you can borrow money in Singapore which includes but not limited to:

  1. Banks
  2. Financial Institutions & Credit Unions
  3. Credit Cards
  4. Licensed Moneylenders

Banks are the most traditional source for loans, offering various products including personal loans, home loans, and car loans. Banks usually offer competitive interest rates and terms but typically require good credit history and stable income.

When applying for a bank loan in Singapore, start by comparing different banks' loan options, focusing on interest rates and fees. Make sure you meet the requirements for age, income, and job status. Gather needed documents like your ID, payslips, and tax returns. You can apply for the loan online, at a bank branch, over the phone, or using the bank's mobile app.

Also, indicate the purpose and the amount you need. Typically, bank loans can take from a few days to a couple of weeks to process and approve, depending on the type of lo