Bugis Credit Pte Ltd is a licensed moneylender (License No. 25/2024) listed in the Registry of Moneylenders, under the Ministry of Law in Singapore.

Bridging Loan

Secure the home of your dreams before someone else does. When you need to pay your home downpayment quickly, Bugis Credit is here for you.

  • Low interest rate
  • Fast approval
  • Loan up to 6 times your income
best bridging loan

Apply For a Fast Cash Loan Online Today!

Get your approval in 30 mins by applying here

Bridge the Time Between Buying Your New Home and Selling Your Old One

A bridging loan is a short-term loan used to make large sum payments or cover immediate costs until long-term financing can be secured. Bugis Credit’s bridging loan is commonly used by home buyers to pay their downpayment while they wait for the sales proceeds of their old property. This type of loan allows for very quick financing to secure real estate.

Get Loan in 4 Easy Steps

call and apply online

#1. Call or Apply Online

Call us at 6345-9123 or simply apply online https://www.bugiscredit.sg/ to set an appointment at your convenience.

visit bugis credit office

#2. Visit Our Office

Come in for an appointment to create a customized plan that fits your needs and repayment ability.​

finalize loan plan

#3. Finalize Loan Plan

Agree on terms, including the payments and permitted fees.

receive cash instantly

#4. Receive Cash Instantly

Once the contract is signed, you will receive your cash loan.

What customers are saying

EXCELLENT 5 Star  5 star  144 reviews on loan advisor logo

Google 5.0 stars review

Bugis Credit: Reliable Licensed Money Lender Urgent Personal Loan Singapore | Foreigner Loan | Low Interest Monthly Repayment IconBugis Credit: Reliable Licensed Money Lender Urgent Personal Loan Singapore | Foreigner Loan | Low Interest Monthly Repayment

470 North Bridge Road, #02-12 Bugis Cube

5.0 219 reviews

  • Avatar RS O ★★★★★ a month ago
    Reliable, efficient and comfortable. Great service and hosting of customers. The experience from entering … More the office to settling the administrative loan was welcoming and smooth.
    Albee, thanks for making my visit effortless n ease. You have exhibited great devotion of professionalism and customer care.
    Keep up the great work Bugiscredit.
  • Avatar David ★★★★★ a month ago
    Staff were super friendly and really helpful every time especially during this pandemic situation. It's … More been over a year now and I am still experiencing great customer service. A very professional team of individuals. I am happy to have chosen Bugis Credit!
  • Avatar aviator 2016 ★★★★★ a month ago
    Very helpful and trusted money lender.
    Staff also very accommodating and helpful.
    They will give you
    … More better options.
    Can recommend to everyone
  • Avatar Jerico Lan ★★★★★ a month ago
    Fast service and super friendly staff.
    I am a long time customer and I am always satisfied with their
    … More service.
    They know how to take care of customer needs and always willing to assist.
  • Avatar Timir Mahesh Kumar ★★★★★ 2 weeks ago
    Albee was of great help. The service was great right from the beginning. Very helpful in explaining the … More entire process. Thank you.
  • Avatar Ann ★★★★★ 4 years ago
    Service was very efficient and fuss free. Customer service person was meticulous and patient in going … More through all the paperworks' terms and condition. The whole process was very effortless. Appreciate their help! Thank you.
  • Avatar Ganesan T ★★★★★ 4 years ago
    A very good experience in Bugis Credit with the company loan officer Jacob. The whole loan process is … More hassle free and professional. Good quality service. Thank you Jacob.
  • Avatar maria umali ★★★★★ 4 years ago
    Albee did such a great job guiding and explaining to me all the things i need to know. As a first timer, … More she gave me a sense of security! Fast transaction too. Thank you!
  • Avatar Ismalela Ithnin ★★★★★ 4 years ago
    Thank you to Ms Albee for helping us with the loan process, fuss free and professional. Explained all … More the details.
  • Avatar muhammad ★★★★★ 4 years ago
    It was a pleasent 1st time experience with Bugis Credit. The staff Albee was friendly and experience … More and also take the time to explained in details with me regarding the loan im taking. Will definitely recommend others to BUGIS CREDIT!
  • Avatar Rizah Abdul Majid ★★★★★ 4 years ago
    Initially, my husband and myself are skeptical abt borrowing money from license money lender but after … More reading reviews from several trusted websites, we decided give it a try as we running out of resources for our renovation loan applications. We has been rejected by many banks due to undisclose reason. We suspected that with the tight bank rules and husband's age of 50+, the banks are unable to lend us the amt requested, as we will have a shorter tenure to service the loan.
    So we decided to leave a message via whatsapp and Ms Albee from Bugis Credit returned our call in a few hours. She listened patiently to our predicament and set us an appointment to meet up the next day. Upon meet up, she greeted us with a smile and politeness and served us with packet drinks. She gave us advice on Dos and Don'ts in money borrowing matters. The loan processing was a smooth flow. Albee has made us feel welcome and at ease. We are happy with her service and would recommend Bugis Credit and Ms Albee, if you would want to take up loans with license money lender. Kudos to Bugis Credit team.👍🏻👍🏻👍🏻👍🏻👍🏻
  • Avatar Si Yanheng Edwin ★★★★★ 4 years ago
    This my first time taking a loan from Bugis Credit, they are very professional and will explain in details … More before giving a loan, flexible repayments plans which is good.
  • Avatar Shahrulfaiz Juwari (Boy Faez) ★★★★★ 4 years ago
    I'm quite a regular here. Bugis Credit has never let me down by the staffs professionalism in their … More service. Most important its fast and hassle free! Recommended!!
  • Avatar Radhiqa Rahim ★★★★★ 4 years ago
    I have taken loans here to help me pay for my studies. They take time to explain to you the process and … More ensure you understand fully. In my recent visit I was served by Jacob and he was professional and friendly.
  • Avatar Gareth ★★★★★ 4 years ago
    Went in to apply for a loan and was very happy with the service I received. Very welcoming and clear … More communication throughout the process. Highly recommended.
  • Avatar John Kevin ★★★★★ 4 years ago
    Their service is great. The loan officer explained every single detail to me until I understood all the … More personal loan terms and conditions. The admin fee and interest rate was reasonable as well. Good Licensed Moneylender!
  • Avatar Wesley Chuah ★★★★★ 5 years ago
    A very pleasant experience in Bugis Credit with the company loan officer Jacob. The whole borrowing process … More is hassle free and professional. They do give a great customer service and reliable image. A big shout out to Jacob for his customer service provided. Obviously, they are the best, safe and reliable licensed money lender in Singapore from you to seek a loan!
  • Avatar Mona Li ★★★★★ 4 years ago
    Jacob was the one who serve me, he's reliable, knowledgeable and friendly.
  • Avatar Qiqi C ★★★★★ 4 years ago
    Good and fast services. All the details explained clearly. Will recommend to those who need urgent money. … More


Age 21+

At Least 21+ Years Old


Minimum of SGD2,000 Salary Required

foreigner cash

Exercised The Option To Purchase (OTP)


2 person walking with formal suite

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)

Ready To Get Your Loan?

Request for a quotation from our friendly officers by filling out the form below

Frequently Asked Questions

A bridging loan is a short-term loan generally used to finance the purchase of a new property. It gives you the funds you need to pay the downpayment for your new home while you wait to receive the sales proceeds of your old property.

Let’s assume that you are upgrading your property by purchasing a new one valued at S$1,000,000.

In this scenario, you’ve already paid the 5% downpayment in cash. However, you don’t have enough savings to pay for the next downpayment which is 20% of the purchase price because your old home is not yet sold. On top of all these, your home loan application is still pending approval.

You can take out a bridging loan to pay for the hefty 20% downpayment to secure your dream home.


  • 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

When borrowing a bridging loan, it is best to determine whether the principal loan amount will cover the amount you need.

Next, make sure that you’re dealing with a licensed money lender in Singapore. Check the complete list of money lenders on Singapore’s Ministry of Law website to avoid loan scams.

Before you commit to a loan plan, you need to check and compare the interest rates and terms. Find the one that suits your needs and repayment capability. Lastly, you may also need to read customer reviews and feedback from Loan Advisor and Google Reviews to find reliable and trustworthy money lenders.

If you’re applying for a secured loan with us, you will be able to borrow any amount.

But for unsecured loans, such as a bridging loan, you can borrow up to six months’ worth of your income. Depending on your assessment and requirements, we always give the best optimal amount of loans to our clients.

Please refer to the table below:

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

Under the Ministry of Law, the maximum interest rate moneylenders in Singapore can charge is 4% per month. This cap applies regardless of the borrower’s income and whether the loan is a secure or unsecured one. You can read more about the bridging loan interest rate here.

Additionally, all licensed moneylenders can only impose the following fees:

  • A late fee of up to S$60 per month of late repayment
  • A late interest rate of up to 4% per month for each month the loan is repaid late.
  • A processing fee of up to 10% of the principal of the loan when the loan is granted

Bugis Credit’s loan application process is quick and straightforward. Your application will be processed within an hour of applying for a loan online or calling from home with our team, and you’ll get your cash as soon as the agreement has been signed!

Borrowing an instant loan from Bugis Credit is the perfect way to handle your financial obligations. We make sure to give you immediate assistance and offer low interest in as short an hour with our fast application process which makes it easy for both of us!

We are proud to offer you a variety of competitive loan plans that adhere to the Moneylenders Act. We offer unsecured loans of up 6 times your monthly income at low interest rates between 1 and 4%. Best of all, we only impose permitted fees, and interest and make sure our plan is customized accordingly for your financial needs.

Simply apply online or call, then schedule an appointment where we will discuss all the details so that when everything has been agreed upon you can have access to your money on-the-spot.

There are two main types of bridging loans on the market:

  • Capitalized Interest Bridging Loan: You will need to repay the loan once your old property is sold.
  • Simultaneous Repayment Bridging Loan: You will have to pay off your new property and the bridging loan simultaneously.

However, these types of bridging loans are not applicable when borrowing from a licensed moneylender in Singapore. You can find out more on the best available bridging loan in Singapore.

You can contact us at 6345-9123 or come visit us at our office to make the payments and inform us of your early settlement.

Do tell us about your plans for the early settlement, so that we can come to an agreement with you for any discounts on your loans.

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

With so many moneylenders offering these loan services, it is always important to be cautious when looking for a loan. It is a must to check all the certificates and license information of the moneylender before taking out a loan with them. This is to avoid getting trapped by loan sharks, licensed moneylenders operate under strict compliance with the Ministry of Law.

For those who are planning to apply for loans, it is your due obligation to ensure that the moneylender you are taking out a business loan is a licensed moneylender. Licensed moneylenders are tasked to operate by following the rules mandated under the Singapore Ministry of Law.

You can verify a moneylender’s credentials by checking this list by the Ministry of Law.  Licensed moneylenders are given permission to operate under strict guidelines, so it is always the best idea to verify the credibility of the moneylender that you are sending your loan application to.

With the advent of the internet, we offer an easy application service by filling out the application form on our site. Your application will be then evaluated by our best team of financial advisors and respective loan officers. After careful evaluation, we will immediately give you a call to arrange a meeting down at our office.

Upon the meeting, we will explain all the needed information regarding the loan contract and will ask you for the necessary requirements and documents. Upon approval, you will be asked to sign the necessary documents and loan agreement, and cash will be handed to you on the spot.

Rest assured that we value the safety and privacy of our clients, we have a professional team of loan officers to assist you right from the start of your loan application.

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