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.

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
payday loan

Apply For a Fast Cash Loan Online Today!

Get your approval in 30 mins by applying here

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 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

  • 5 stars
  • 144 reviews on
  • loan advisor logo
Google 5.0 stars review


Age 21+

At Least 21+ Years Old


Minimum Salary of
SGD2,000 for Local & PR

foreigner cash

Minimum Salary of
SGD3,000 for Foreigner

Loan Eligibility & Requirements

2 person walking with formal suite

Local and Permanent Residents

Minimum Salary SGD2,000

  • 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 (to log into CPF, HDB, IRAS website)


Minimum Salary SGD3,000

  • 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 (to log into IRAS website)
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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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