Foreigner Loan

The costs of moving to a new country alone, without financial support and help can overwhelm anyone who isn't prepared. Fortunately, getting a foreigner loan in Singapore is quick and easy.

  • We don’t judge your credit scores
  • Affordable, custom-made loans 
  • Approval within 30 mins

Making The Best Choices In A Financial Crisis

Living and working in one of Asia's most expensive cities can be an expensive ordeal. Renting a place to live, ensuring that you have enough to survive to the next paycheck, and even sending the wages you've earned back home to your family.

In an emergency, there is little to no one for you to turn to. What you need is a foreigner loan, a financial support system that would allow you to fulfill your financial obligations, and keep your head above waters.

It's the simplest solution for what could be the worst thing to happen to you.
With a minimum salary of SGD2,000, you can borrow up to six times’ worth of your income.

Steps to apply for a Foreigner Loan in Singapore

#1. Call or Apply online

Call us at 6345-9123 or simply apply online here to set an appointment at your convenience.

#2. Visit Our office

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

#3. Finalize Loan plan

Agree on terms, including the payments and permitted fees.

#4. Receive cash Instantly

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

What customers are saying

  • 144 reviews on
  • Their service is great. The loan officer explained every single detail to me until I understood all the personal loan terms and conditions. The admin fee and interest rate was reasonable as well. Good Licensed Moneylender!

    John Kevin Avatar
    John Kevin

    A very pleasant experience in Bugis Credit with the company loan officer Jacob. The whole borrowing process 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!

    Wesley Chuah Avatar
    Wesley Chuah

    Jen is a friendly and helpful staff that served very well.
    Thanks for the good service. Highly recommend !

    bobo phang Avatar
    bobo phang

    Fast and efficient trustworthy legal ,can look for consultant Jacob phang very friendly and helpful

    Lee Yunloong Eugene Avatar
    Lee Yunloong Eugene
  • Good and fast services. All the details explained clearly. Will recommend to those who need urgent money.

    Qiqi C Avatar
    Qiqi C


At Least 18+
Years OLD

Minimum Salary of
SGD1,500 for Local & PR

Minimum Salary of
SGD2,000 for Foreigner

Loan Eligibility & Requirements


Minimum Salary SGD2,000

  • Passport
  • Work Permit / S Pass / E Pass
  • Proof of residence (utility bill or tenancy agreement)
  • Proof of employment (certificate of employment or recent 3 months payslip)
  • Proof of income (bank or account statement)
  • SingPass (password to log into IRAS website)

Ready To Get Your Loan?

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

Frequently Asked Questions

All foreigners who hold a valid Singapore Work Pass are eligible to apply for a personal loan from banks or Bugis Credit. You must be above 21 years old and have a local business employ you as a full-time employee.

You must also submit a residential tenancy agreement, bank statement and 3 months recent payslip in order for us to have proof of the length of time you are staying in the country are in line with the rules and regulations.

For secured loans, a foreigner can obtain a loan of any amount. For unsecured loans, if the foreigner’s annual income is less than $10,000, the maximum loan amount that Bugis Credit can offer is $500.

If the foreigner’s annual income is above $10,000 but less than $20,000, the maximum loan amount that Bugis Credit can offer is $3,000.

Lastly, if your annual income is above $20,000, the maximum loan amount that Bugis Credit can offer is 6 times of your monthly income.

Bugis Credit can charge only a maximum of 4% per month. This cap applies regardless of your income and whether the loan is an unsecured or secured one.

If a foreigner fails to repay the loan on time, the maximum rate of late interest that Bugis Credit can charge is 4% per month for each month the loan is repaid late.

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