Same Day Loan Approval
100% Confidential
Cash within 1 hour
Monthly Repayment
Super attractive rates
30 years of experience

Apply and get your cash today!

Our consultants will provide the relevant loan packages to best fit your financial needs and expenditure.

Simple steps to apply

Best Credit SG grants loans as quick as the day itself!
Simply call us at 62725538 or apply online for an in-principle approval and we will set an appointment to your convenience.

Arrange a meeting

Visit Us

Sign the contract

Receive your cash

Who can apply for a loan

Minimum Age
18 Years old and above

Local and PR
$1.5K minimum monthly salary

Foreigner
$2K minimum monthly salary

What documents are needed

Local and PR
1. NRIC
2. Able to retrieve the last 15 months CPF (Central Provident Fund) statement.
3. Recent payslip you definitely need to be employed
4. Bank statement reflecting the crediting of your salary

Foreigner
1. S Pass / E Pass
2. Passport
3. Letter of Employment
4. Staff card (if any)
5. Recent Phone/PUB Bill/Bank Statement
(from your letterbox)
6. Tenancy Agreement
7. Bank statement reflecting the crediting of your salary

 

Your Financial Freedom

We have since acquired more than 30 years of service excellence. The decades has given us the wealth and knowledge in understanding your needs and concerns. We know no two loans are ever the same, so we make sure each loan is tailored to you so that you get the financial convenience you deserve.

Head to our office for a free advice on your loan requirements and our consultants will provide the relevant loan packages to best fit your financial needs and expenditure.

Loans

There are different types of loans and here are some of the loans that we can package
for you to meet your requirements.

Personal Loan

Leaving on the next flight out? Getting the last computer on offer? Or maybe an emergency medical expenses? Personal loans are great when you are in need of cash urgently. Personal loans can be either secured or unsecured. A secured loan is simply a loan that is provided that has a car or home pledged by the borrower as collateral.

Foreigner Loan

Foreigner loans are for foreigners who are in need of financial
support. This is especially
essential when you are new to the country or you are bringing your family to stay here and you need the cash to help settle in. It is important that you have a local address and employment before applying.

Payday Loan

Payday loans are design for you to tide through till you receive your salary on your pay day, this ensures that you carry minimal debts over to the following month. As the name implies, the amount awarded is based on your salary.

FAQ

Here are the commonly asked questions that we often get from our customers. However, if you do find the information you need here, please feel free to drop us an email or head down to our office.

Am I eligible for a loan?

If you need to be a minimum of 18 years old and above and be earning above $1,500 per month. You will need to provide the latest 2 months payslip or your most recent CPF statement during your application.
If you are self employed, you will need to provide the lastest 2 years of your IRAS statement and a copy of your ACRA business profile if applicable.
Taxi drivers must provide taxi driver vocational driving license and a copy of their taxi driver identification label.

What must I bring to apply for a loan?

If you are a local Singaporean or a PR , you should bring the following documents:
1. NRIC
2. Singpass for logging in
3. Recent payslip
4. Bank statement reflecting the crediting of your salary

If you do not have a property, you will need to bring the additional documents:
1. Your current tenancy agreement
2. Recent Phone/PUB Bill/Bank statement (from your letterbox)

How much should I borrow?

You should have in mind how much you need before you take a loan. For example, if you are taking on a personal loan, you should borrow a loan that is within your monthly salary and take on with an interest rate that you can repay while maintaining your expenditure. 

The maximum loan you can take is dependent on your salary and is subjected to our loan officers approval.

For secured loans, you can obtain a loan of any amount. For unsecured loans, you can obtain:
- Up to $3,000, if your annual income is less than $20,000;
- Up to 2 months’ income, if your annual income is $20,000 or more but less than $30,000;
- Up to 4 months’ income, if your annual income is $30,000 or more but less than $120,000; 
- Any amount, if your annual income is $120,000 or more.

Can I borrow if I am a foreigner?

Yes, you can borrow even if you are foreigner and your have a minimum income of $2000. You will require to have the following documents:
1. S Pass / E Pass
2. Passport
3. Letter of Employment
4. Staff card (if any)
5. Recent Phone/PUB Bill/Bank Statement (from your letterbox)
6. Tenancy Agreement
7. Bank statement reflecting the crediting of your salary

How much loan should I take?

You should always take a loan at the amount that you are able to pay off. A common rule of thumb is to use your monthly salary as the amount you can loan. Plus it is important that you take into account of the interest rate before committing into taking a loan. 

As such, it is important to know that all moneylenders can offer different rates for the same type of laon. So take the effort to shop around among different moneylenders to see who can give you a suitable interest rate.

Why Best Credit?

At Best Credit, we will assist you in every way possible. Here are some of the great things Best Credit can do for you. 

1. Immediate notification of your loan approval upon application.
2. Appointment arrangement outside office hours.
3. Offering competitive rates.

How do I know a moneylender is legal?

You can cross referenced with the Registry of Moneylenders (IPTO) to see if a particular moneylender is a legtimate moneylender. Licensed moneylenders will only approve loans exclusively within their premises. Often, illegal moneylenders will resort to prohibited tactics in getting customers. Here are some of the approaches they will take:

1. Cold call and pretending to licensed moneylender.
2. Short Message Services (SMS) for advertisements.
3. Providing mobile services for customers.
It is important that you never take a loan from illegal sources and that you always borrow from a licensed moneylender to ensure that you will never be caught in unending financial debt. 

https://www.mlaw.gov.sg/content/rom/en/information-for-borrowers/list-of-licensed-moneylenders-in-singapore.html

Contact Us

Best Credit SG PTE LTD
Formally known as CING DIEN CREDIT – Since 1985

Blk 372 Bukit Batok Street 31 #01-374 (Level 2)
Singapore 650372

Mon to Fri: 11am to 8pm
Sat & Sun: 12pm to 5pm
Closed on Public Holiday

Tel: +65 6272 5538
Email: enquiry@bestcredit.sg

APPLY NOW

To know if you are eligible for a loan, call us at 62725538 or apply using the form below. We will get back to you soon!