Credit 21
Licensed Money Lender in Singapore You Can Trust
Credit 21 is a Ministry of Law–approved licensed moneylender offering safe and transparent loans in Singapore. From urgent expenses to short-term cash needs, we provide regulated fees, clear terms and a fast online application with Singpass MyInfo.
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Singapore No.1
Licensed Money Lender
Credit 21 offers some of the lowest interest rates in Singapore, supported by a professional team with more than a decade of experience. As a Ministry of Law–approved moneylender, every loan we issue follows strict rules under the Moneylenders Act, from capped interest rates to transparent fees and responsible lending practices.
Whether you’re facing urgent bills, medical expenses or temporary cash flow issues, we provide options that are clearly explained, fairly priced and tailored to your repayment ability. Our goal is to help you borrow confidently, safely and with full transparency from the very first step.
Why Choose Us?
Credit 21 prioritises safe, responsible and transparent borrowing. Every loan is designed to match your financial situation while following strict rules set by the Ministry of Law.
Fair Assessment & Easy Eligibility
We consider your income and repayment ability, not just past credit issues. Even if you’ve faced financial challenges previously, you may still qualify as long as you have steady employment and proof of income.
Fast, Simple & Hassle-Free Process
Apply online anytime, including via Singpass MyInfo for quicker verification. Most borrowers receive an in-principle approval within an hour, with same-day disbursement upon completing in-person verification.
Low, Transparent Interest Rates
We offer some of the lowest regulated interest rates in Singapore. All fees and repayment schedules follow MinLaw guidelines, ensuring a clear and predictable borrowing experience.
Professional Support & Responsible Lending
Our loan officers will explain every detail before you sign. We never pressure you into borrowing more than you can manage. All advice and recommendations follow responsible lending practices under the Moneylenders Act.
Flexible Loan Options for Different Situations
Choose from personal loans, payday loans, foreigner loans, business loans and more. Each loan package is personalised based on your income, needs and repayment capacity.
No Hidden Fees or Surprise Charges
Every cost is disclosed upfront, no unauthorised deductions, no hidden fees. If you decide not to proceed after approval, there is no penalty.
A Private & Professional Borrowing Experience
We offer a discreet alternative to borrowing from friends or family. Your privacy is respected, and your information is kept fully confidential according to PDPA and MinLaw requirements.
Maintain a Healthy Credit Record
Timely repayment helps build a stronger borrowing profile. Our flexible instalment plans make it easier for you to stay on track without unnecessary stress, supporting long-term financial stability.
Simple and Hassle-Free Process
We keep things straightforward. Our online loan application form takes just a few minutes to complete, and you can also apply conveniently using Singpass MyInfo for automatic data retrieval and faster processing.
Understanding Licensed Moneylenders in Singapore
Licensed moneylenders are regulated by the Ministry of Law and must follow strict rules designed to protect borrowers. These regulations cover everything from interest rates and fees to how loan officers explain terms and handle customer data.
When you borrow from Credit 21, you are working with a legal and authorised company approved by the Registry of Moneylenders. This ensures a safe, predictable and transparent experience from start to finish.
What This Means for You:
- Clear explanation of all loan terms before you sign
- No hidden fees and no unauthorised deductions
- Confidential handling of all personal data, in line with PDPA and MinLaw regulations
- Professional, responsible lending, with guidance to help you manage repayment confidently
Choosing a licensed moneylender ensures you receive fair treatment, regulated charges and proper consumer protection under Singapore law.
Borrow Responsibly and Stay Safe
Borrowing should always feel safe and predictable. In Singapore, unlicensed moneylenders (“Ah Longs”) often disguise themselves as legitimate lenders, using tactics such as unsolicited WhatsApp messages, hidden charges or threats. These practices are illegal and put borrowers at serious risk.
At Credit 21, we follow strict regulations under the Moneylenders Act to ensure every customer receives a fair and transparent experience.
How to Stay Safe When Applying for a Loan:
- Only borrow from licensed moneylenders listed on the Ministry of Law’s official list of licensed moneylenders.
- Never pay upfront fees before receiving your loan
- Avoid unsolicited loan offers sent through SMS, WhatsApp, Telegram or social media
- Ensure terms are explained clearly in person at the lender’s registered office before you sign
- Protect your personal data – no licensed lender will ask for your Singpass login details
If you’re ever unsure whether a loan offer is genuine, you can always verify the lender’s details through MinLaw or seek advice from official anti-scam resources.
Borrowing from a licensed moneylender protects you with regulated fees, capped interest rates, and proper consumer safeguards under Singapore law.
Our Tailor-made Loan Services
We offer customised loan packages that match your needs and repayment ability. All loans follow strict MinLaw regulations, ensuring clear terms, capped fees and a safe, responsible borrowing experience.
Personal Loans
For urgent bills, medical needs or short-term expenses.
Business Loans
Working capital support for SMEs and self-employed borrowers.
Foreigner Loans
Simple, fair loans for Work Permit, S Pass and E Pass holders.
Payday Loans
Short-term cash support before your next salary.
3 Simple Steps
to Receive Your
Cash Loan
Submit Your Application
Fill in the online form or apply using Singpass MyInfo. It only takes a few minutes.
Get Your Application Status
We will contact you within an hour with your loan assessment and next steps.
Sign & Receive Your Funds
Visit our office for face-to-face verification and contract signing. Cash is disbursed immediately after approval.
