i-Credit is a Licensed Moneylender In Aljunied, Singapore.

I-Credit, a licensed moneylender, offers fast-approval personal loans to individuals facing financial difficulties. Conveniently located in Aljunied, we have helped people with their loan needs since 2009.

We understand how difficult it can be to get a loan from banks or other lenders. Our goal is to help you find an easy way out of your financial hurdle without hassle.

Our experienced team will help you find the best solution for your circumstances. Fill out the form and one of our representatives will contact you within 1 day.

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Loans Made Since 2009

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What is a Licensed Moneylender in Singapore?

A licensed moneylender in Singapore is a company authorized to offer moneylending services under the Ministry of Law’s regulations. Licensed moneylenders such as i-Credit have to operate within the clear MOL rules designed to protect borrowers.

Licensed vs unlicensed: not the same thing

It’s important to separate a moneylender in Singapore that’s licensed from an unlicensed lender (often referred to as loan sharks / “ah long”):

Licensed/authorised money lender in Singapore: operates openly, complies with regulatory requirements, and provides proper documentation.
Unlicensed/illegal lenders (ah long): operate outside the law and may use harassment, intimidation, or unlawful tactics.

A legitimate lender can be verified on the official Registry and will never need to hide who they are or how they operate. See the list of licensed moneylenders in Singapore.

Licensed Moneylender Near Me in Aljunied

i-Credit, a licensed moneylender, is located at 82 Lorong 23 Geylang #05-02 ATRIX, just a 1–2-minute walk from Aljunied MRT (EW9), making it easy to drop by before work, during lunch, or after hours. As a licensed moneylender, we provide clear guidance and professional service and we tailor recommendations based on your needs and budget, whether you’re looking for short-term support or a longer-term plan

i-Credit is a licensed moneylender near me option for borrowers in the East and city-fringe, with an office in Aljunied and an embedded Google Map so you can find us fast.

Areas i-Credit Licensed Moneylender serves in Singapore

We support borrowers across nearby neighbourhoods, including:

Geylang: if you’re searching for a Geylang moneylender or Geylang money lender
Paya Lebar: for those looking for a Paya Lebar money lender/money lender Paya Lebar
Eunos: convenient for anyone needing an Eunos moneylender
Ubi: serving customers searching for a Ubi money lender
Kallang
Tai Seng
City Plaza area

What are the Interest Rates for I-Credit Licensed Moneylender in Singapore

As a licensed moneylender in Singapore, i-Credit follows the Ministry of Law rules on interest and fees. The maximum interest allowed is 4% per month for licensed moneylenders. We keep things transparent by showing you a clear repayment breakdown, so you know what to expect before committing.

Loan Amount:	Term:	Interest:	Repayment:
$1,000	1 Month	$40 (4%)	$1,040
$2,000	1 Month	$80 (4%)	$2,080
$3,000	1 Month	$120 (4%)	$3,120
$5,000	1 Month	$200 (4%)	$5,200
$10,000	1 Month	$400 (4%)	$10,400

Up to $3,000, if your annual income is less than $20,000. (Any income levels are welcome)
Up to 6 months’ income, if your annual income is $20,000 or more.
Open to students, ex-bankrupts & bad credit, ages 18 and above.
Our interest rate is 4% per month, set by the Ministry of Law for licensed moneylenders.
Zero interest fee incurred if the loan is repaid within a week.
Flexible and customizable repayment plans are available.

What is the Maximum Loan Amount you can receive from an i-Credit Licensed Moneylender in Singapore?

We know how overwhelming it can be to think about paying off a large sum of money. That’s why we adhere strictly to the Ministry of Law’s customer protection guidelines when determining maximum loan amounts.

Annual Income:	Lending availability:
If Annual Income < $20k	$3000 or less
If Annual Income > $20k	up to x6 Monthly Income

*There will be a small admin fee for all loans.

Location & Operating hours:

I-credit is a licensed moneylender
located beside Aljunied MRT, (EW9).
Walking Distance: 1-2 minutes.

Address:

82 Lorong 23 Geylang, Atrix Singapore
#05-02
(S) 388409

i-Credit’s Operating Hours:

Monday to Friday: 11:00 am – 8:00 pm
Saturday & Sunday: 11:00 am – 4:00 pm
Closed on Public Holiday (“open on selected” call to check)

Phone Number: +65 6222 5222

i-Credit does NOT advertise services through SMS or phonecalls.

Please note that we have only one website & no other branch or location.

Types of Personal Loans Available at i-Credit

At i-Credit, we offer a range of personal financing options to match different income profiles and life needs — from everyday support to more specific situations. If you’re comparing a personal loan with a money lender in Singapore or looking for a personal loan that fits your circumstances, the categories below can help you quickly find the most relevant loan type.

Why i-Credit is The Best Moneylender in Singapore

You no longer have to Google search for money lenders near me, i-Credit is your best option to get personal loans. As a private Singapore moneylender, we’ve streamlined our offering to give you the best possible experience, so you don’t waste time on unnecessary services.

Fast Approval

Our fast approval process allows you to get approved within 24 hours. This means you’ll never have to wait around for days while your application sits in limbo.

Easy Application Process

The application process is simple and straightforward. All you need to do is fill out a few details in our loan inquiry form and submit them online. It takes less than 1 minute to complete. Yes, it’s that easy. Jump to Loan Inquiry Form.

Personalised Service

We offer the highest level of personalised service at all times. Our team of experts will guide you through the entire process and answer any questions you may have along the way. We are the best moneylender Singapore has to offer because we want to make sure you get the right kind of loan that suits your needs.

Why Choose I-Credit?

If you must get a loan, you need to go for the best moneylender Singapore can offer. At I-Credit, we strive to deliver the best possible service at all times. We are not only one of the best moneylender in Singapore but also one of the most trusted.

You deserve nothing less than the best. Some companies only focus on the bottom line, but we strive to go above and beyond. Here are some reasons why you should choose us instead of any other Singapore moneylender:

Legal Moneylender Singapore

Before taking a loan from a private moneylender Singapore, you need to verify that they’re legally registered with the government. I-Credit holds a licence from the Registrar of Moneylenders and is on the list of licensed moneylender in Singapore.

1Hour Loan Approval Process

Our fast approval process makes getting a loan quick and painless. In fact, we’ve been so successful that we’ve managed to cut down the time it takes to approve a loan from 3 business days to just 1 hour!

Competitive Interest Rates (4% Monthly)

The interest rate on our loans is competitively priced. This means that you don’t have to worry about paying too much or being charged exorbitant fees.

Easy Repayment Methods

We understand that life happens. When this happens, you might find yourself unable to repay your loan on time. To help you out, we offer several different repayment methods. These include monthly, weekly, biweekly, and even fortnightly.

Achieving a Higher Credit Score with i-Credit

Your credit score is essential to your financial stability and borrowing power. A higher credit score can lead to better loan terms, lower interest rates, and more opportunities for financial stability. One way to achieve a higher credit score is through i-Credit.

Some reasons why you should aim for a higher credit score:

Access to better loan terms: A higher credit score can lead to better loan terms, such as lower interest rates and more extended repayment periods. This can save you money and make it easier to manage your debt.
Increased borrowing power: With a higher credit score, you can borrow more money and have more options for lenders and loan products. This can help you achieve your financial goals and cover unexpected expenses.
Lower insurance premiums: Some insurance companies use credit scores to determine premiums. With a higher credit score, you can get lower rates on car insurance, homeowner’s insurance, and other policies.
Easier approval for rental applications: Landlords may check your credit score when you apply to rent an apartment or house. With a higher credit score, you may have an easier time getting approved and securing a lease.
Better job prospects: Some employers check credit scores during the hiring process. With a higher credit score, you may be viewed as a more responsible and reliable candidate.

Opting for an i-Credit loan could be a wise approach to enhance your credit score and accomplish your monetary objectives. Irrespective of whether you’re planning to merge your debts or make a significant purchase, an i-Credit licensed moneylender can pave the way for you.

Why Choose i-Credit as Your Licensed Moneylender in Singapore

At I-Credit, we believe that everyone deserves a fair deal. Even though we offer loans with the same terms as any other legal moneylender Singapore has to offer, we provide a more humanised approach to lending. If you apply with us, you know you’ll always be treated fairly and with respect.

Unlike other moneylenders who treat customer issues as data and statistics, we take a more personal approach to each client. You won’t just be another number to us. Instead, we’ll work hard to ensure you get the best possible loan solution for your unique situation.

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FAQ about Borrowing from a Licensed Moneylender in Singapore

How do I check if a lender is licensed in Singapore?

To make sure that you’re dealing with a legitimate moneylender, you need to double-check whether the company is licensed by the government. The easiest way to do this is to check out our list of licensed moneylenders in Singapore.

Where can I find a personal loan in Singapore?

You can easily find a personal loan in any bank branch or online through an e-moneylending platform. However, since they don’t attend to customer needs personally, it would be better to seek assistance from licensed moneylenders like i-Credit.

Should I take a loan from a bank or moneylender?

Taking a loan from a licensed moneylender in Singapore is better than borrowing from a bank. This is because banks tend to take longer to approve your application compared to licensed moneylenders. However, it boils down to your preference.

What documents do I need to apply for a loan from a licensed moneylender?

Most applications can be processed with:

NRIC
Proof of residence (e.g., recent utility bill or official letter showing your address)
Income documentation (we accept flexible options depending on your employment type)

If you’re unsure what counts as acceptable income proof, our team can guide you based on your situation.

How fast can I get a loan approved?

i-Credit offers 1-hour approval for eligible applicants who have the required documents ready. In many cases, same-day cash collection may be available after verification and contract signing.

Is it safe to borrow from a licensed moneylender?

Borrowing from a licensed moneylender in Singapore is safe because licensed lenders are regulated under the Ministry of Law’s framework. You can expect:

Clear fee and interest disclosures
Proper documentation and explanations before you sign
No harassment or illegal collection tactics

Always verify the lender is licensed before engaging.

What is the maximum loan amount I can borrow?

This depends on your annual income:

If your annual income is below $20,000: you may borrow up to $3,000
If your annual income is $20,000 or more: you may borrow up to 6× your monthly income

Your approved amount also depends on affordability checks and your repayment capacity.