Bugis Credit Pte Ltd is a licensed moneylender (License No. 26/2021) listed in the Registry of Moneylenders, under the Ministry of Law in Singapore.

Payday Loans

When disaster strikes and you need a quick cash advance, Bugis Credit is here for you. Take the money, solve your issues. And when it's over, breathe a sigh of relief.

  • Low interest rate
  • Get your cash immediately
  • Use the money as you see fit
  • Take out a loan even with bad credit

Get a Payday Loan for your financial goals

It isn’t easy to live in one of the most expensive countries in Asia. Even those that have carefully planned their monthly budget can be caught unaware by an unforeseen expense or emergency. Nobody wants it to happen, of course, but the reality is, it does happen. 

Financial emergencies are inevitable in life and they can happen in the most unexpected time. Having unforeseen emergencies can be challenging, they can either drain you down physically and financially. Therefore, Bugis Credit is always here to help get through these financial troubles.

We understand that payday loans are more affordable than using a credit card to sort out your emergency expenses. We provide tailor-made loans that can suit every financial need. We also offer flexible repayment plans that can fit anyone’s budgets. So whether you fall short of the budget before your monthly income arrives, or you are paying for immediate medical or household bills, Bugis Credit got you covered!

We are a licensed money lender that has been operating in Singapore for years, our services are licensed and regulated under the Ministry of Law. We operate under a strict code of conduct, giving only 5-star quality services to our clients. We have an Easy Online Application for quick loan approval, we will not solely consider your credit scores upon application so you don’t have to worry about your credit rating. We have a strong reputation of superb customer service making our customers satisfied with each loan approval.

When time constraints could mean the difference between financial ruin and safety if you don’t have a large overdraft or the ability to wait for a lengthy bank loans application process, you need someone who can help you now. 

Bugis Credit, your most reliable licensed money lender is here to help you.

Get Loan in 4 easy steps

call and apply online

#1. Call or Apply online

Call us at 6345-9123 or simply apply online here 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

  • 5 stars
  • 144 reviews on
  • loan advisor logo

What customers are saying

EXCELLENT 5 Star 5 star   
144 reviews on
loan advisor logo

Bugis Credit: Reliable Licensed Money Lender Urgent Personal Loan Singapore Bras Basah IconBugis Credit: Reliable Licensed Money Lender Urgent Personal Loan Singapore Bras Basah

470 North Bridge Road, #02-12 Bugis Cube

5.0 158 reviews

  • Avatar Ann ★★★★★ 3 weeks 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 ★★★★★ in the last week
    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 ★★★★★ a month 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 ★★★★★ a month ago
    Thank you to Ms Albee for helping us with the loan process, fuss free and professional. Explained all … More the details.
  • Avatar muhammad ★★★★★ 2 months 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 ★★★★★ 6 months 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 ★★★★★ 6 months 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) ★★★★★ 8 months 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 ★★★★★ 9 months 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 ★★★★★ 10 months 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 ★★★★★ a year 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 ★★★★★ a year 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 ★★★★★ 10 months ago
    Jacob was the one who serve me, he's reliable, knowledgeable and friendly.
  • Avatar Qiqi C ★★★★★ a year ago
    Good and fast services. All the details explained clearly. Will recommend to those who need urgent money. … More

  • Staff were super friendly and really helpful every time especially during this pandemic situation. It's 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!

    David Avatar

    Staff is polite and attentive. Thank you for the service, would recommend coming here.

    sharul muhd Avatar
    sharul muhd

    very smooth transaction and reliable payment scheme. highly recommend to all.

    Anita Kandasamy Avatar
    Anita Kandasamy
  • good experience with Bugis Credit and would like to say big thanks to Ms Jerraine Cheah who has been very professional, supportive and understanding to me. She's very helpful and friendly. Highly recommended! Thank you again.

    Vyvie albert Avatar
    Vyvie albert

    Highly appreciated to Bugis Credit team who always got me covered, thumbs up to loan officer Jacob Phang

    sam 87203823 Avatar
    sam 87203823

    The staffs here are professional and patient. They were detailed in explaining the details 👍 Special thumbs up to Jacob. 👍👍

    Land It! Fishing Avatar
    Land It! Fishing


18 years old +

At Least 18+
Years OLD


Minimum Salary of
SGD1,500 for Local & PR

foreigner cash

Minimum Salary of
SGD2,000 for Foreigner

Loan Eligibility & Requirements

2 person walking with formal suite

Local and Permanent Residents

Minimum Salary SGD1,500

  • Identity card
  • 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 (password to log into CPF, HDB, IRAS website)


Minimum Salary SGD2,000

  • Passport
  • Work Permit
  • 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)
4 family member seating on sofa with high 5 happily

Ready To Get Your Loan?

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

Frequently Asked Questions

A payday loan in Singapore is here to help ease your financial burdens. They are a good option for dealing with unexpected emergencies like a medical bill, worn down vehicle or even as a financial help when you need them.

Payday loans are a cash advance, a quick personal loan meant to cover an emergency that you have faced before your payday pays out or the next paycheck arrives. Bugis Credit is a licensed money lender that is listed under the Ministry of Law and abides by rules of how a licensed moneylender should operate under the law in Singapore.

Of course, in an ideal situation, the payday loan in Singapore should be repaid as quickly as possible, to ensure that you do not fall into deeper debt. A payday loan is not to be used for your day to day living expenses or to purchase non essential items to smooth out life’s bumps. This payday loan is there to serve as a financial safety net for your unexpected emergency.

Please note that these payday loans are a short term cash solution for your financial issues. Over-reliance on payday loans can cause you to go into deeper debt.

There is a difference between a payday loan and a personal loan in Singapore. The first is that payday loans are effectively a short term loan in Singapore that you repay back to the lender when you receive your next paycheck. A personal loan in Singapore has a longer loan repayment term due to the larger amount of loan that you have taken out.

It is not a good idea to use your payday loans as a debt consolidation loan. A payday loan is meant to be used in times of emergencies only. If you need to borrow a larger amount of loan, it would be wiser to speak to us and come up with a better solution to your financial situation. Loans when used wisely can you help you not trouble even more.

It is definitely not a good idea to do so. While there is no rule stating that you cannot do so, a licensed moneylender under the Ministry of Law in Singapore would not loan you the money as it would only cause you to go into deeper debt. Therefore, it is not a good idea to get numerous loans for a short period of time. Our loans are made to help ease your financial worries and cash difficulties, not cause it. As such, it would be better for you to speak to our loan officers and come up with a solution that better fits your needs.

Applying for a payday loan, can help you remedy your failing credit rating, but how to do it? Each time you apply for a loan in Singapore, the credit bureau is notified. And once you repay this loan then it provides positive feedback to the credit authorities thus increasing your credit standing.

Bugis Credit is listed as a licensed moneylender in Singapore that always here to guide you each step of the way, it is our mission to help borrowers to ease their financial difficulties by providing quick cash, so whether your fell short on your monthly income, our quick cash remedies will substantially help you solve your financial problems.

Some of the advantages of taking a payday loan are:

    • You can get your money immediately with low interest rate
    • Payday loans allow you to use the money as you see fit
    • You can take out a loan even with bad credit history in Singapore

Just like any other cash loans, if you don’t pay off your payday loan within the repayment period of your loan contract, then the tendency will cause it to snowball into a massive amount that you may not be able to payback due to interest rates. This can greatly affect your credit scores and rating. Bugis Credit  is a licensed moneylender in Singapore that will help you get the most suitable cash loan for you. During the consultation process, our professional loan officers help you figure out the best cash loan for your needs.

Yes, it is possible for Bugis Credit to give you a payday loan as Bugis Credit does not solely look at your credit history. While other licensed moneylenders might ask for it, we do not solely look at it when making a decision to give you a loan. What we look for is your repayment capability, documents to prove your employment and if you are a Singaporean citizen or a foreigner working in Singapore as we believe that these loans can help you surpass your financial burden.

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