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.

Personal Loan

Need Immediate Funds?


  • Consider a personal loan as your personal lifeline when you need a financial boost.
  • With a minimum salary of SGD2,000, you can borrow up to six months’ worth of your income.
best personal loan

Apply For a Fast Cash Loan Online Today!

Get your approval in 30 mins by applying here

What Is A Personal Loan?

A personal loan in Singapore is a loan that you take out from a bank or other money lending agencies that aren’t secured against any other assets or collaterals. Most personal loans in Singapore allow you to borrow a fixed amount of money over a fixed term, usually at a fixed interest rate. The repayment terms are then spread out over a period of time, depending on the terms and conditions of your loan contract, interest rate, monthly salary, processing fees, and repayment capabilities. In short, they are a cash loan for you to use as you see fit.

What’s more, a personal loan can be an excellent alternative to getting some money that credit cards can’t match, since credit cards charge high interest rates with additional restrictive terms and conditions, personal loans in Singapore are always the way to go. The ability for you to recover from your financial troubles would be even greater without that collateral asset.

At Bugis Credit, we will help you get the best personal loan for your interest, we will help with a tailor-made personal loan only for you. We understand that each person’s needs differ especially during difficult times, that’s why our professional loan officers are always at your service to cater for your financial matters. We will walk you through each step and help you understand how your personal loan matters. We will help you with all the financing you need and help you decide when you come to us for a quick consultation session. 

Call us today for a free consultation and we’re always here to assist you on your best financial interest.

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 ★★★★★ 3 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 Salary of
SGD2,000 for Local & PR

foreigner cash

Minimum Salary of
SGD3,000 for Foreigner


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 / S Pass / E Pass
  • Proof of residence (utility bill or tenancy agreement)
  • Proof of employment (certificate of employment or recent 3 months payslip)
  • Recent 3 months payslip
  • Proof of income (bank or account statement)
  • SingPass ( 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

Personal loans allow you to borrow a fixed amount of money over a fixed term, usually at a fixed interest rate. The repayment terms are then spread out over a period of time, depending on the terms and conditions of your loan contract, interest rate, monthly salary, processing fees, and repayment capabilities.

Most personal loans are also unsecured loans. As such, the loans are mostly taken for anything that you might need, from an emergency like a hospitalization bill and other unforeseen disasters to even a wedding, home renovation, or a dream vacation you’ve longed for years.

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

When a borrower is seeking a personal loan, it is always ideal to analyze what type of financing loan you need. Does your financial trouble be covered by a personal loan or does can it be financed with another type of loan? For instance, if you are planning for a hefty home renovation then you must choose a home renovation loan, and if you are looking for funding for your child’s education then you must go for an educational loan.

Next, once you figured out the perfect loan for you, whether a personal loan, business loan or home loan. Then you need to check and compare the interest rate, which one has the lowest interest rate that you can benefit from? Remember that moneylender applies a fixed interest rate one each type of loan, so it’s better to consult with the licensed moneylender to know the amount you will be paying. 

Personal loan lenders in Singapore usually require processing fees and nominal interest rate, note that you’ll incur these fees after taking out a personal loan. Also, you need to consider the loan repayment tenure, which one is the most suited for your paying capabilities. Considering these factors will help you to ensure that you can keep up with your repayment plans and as to avoid late fees and other additional charges.

Applying for a personal loan can help you remedy your failing credit rating. This will take effect each time you apply for the best personal loans in Singapore, each application will send a notification to the credit rating bureau. And once you repay the personal 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 is 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 with low interest rates, so whether you 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 personal loan are:

  • You can get your money immediately with a fixed monthly interest rate
  • Personal loans allow you to use the money as you see fit
  • You can take out a loan even with bad credit history in Singapore
  • You don’t need collateral to take out a personal loan
  • You can borrow more than a credit card or overdraft
  • The repayment amount is fixed each month, making it easy for you to budget
  • You can make a full or early repayment and even receive a discount on the interest rate

Just like any other cash loans, if you don’t pay off your personal loan within the repayment period of your loan contract, then the tendency will snowball into a massive amount that you may not be able to pay back due to interest rate. This can greatly affect your credit scores and rating. Bugis Credit is the best licensed moneylender in Singapore that can help you get the most suitable cash loan for you. 

During the consultation process, we have professional loan officers to help you figure out the best cash loan for your needs with the lowest interest rates possible. You also have to remember that when taking out loans, they have other fees like one-time processing fees, these one-time processing fees are apart from the loans interest rate.

However, all personal loans also come with disadvantages. Some disadvantages of personal loans are as follows:

  • You could be tempted to take out more than you need unlike a payday loan
  • The cash loan you receive is not a good way to consolidate your debts therefore you can get trapped on a debt cycle

Unlike banks, a licensed moneylender like Bugis Credit does not judge or look for your credit history only when approving your personal loans though we follow a strict protocol for borrowers, this is to ensure we give the best loan suited for you. 

You should also note that eligible borrowers like being at least 21 years old with a minimum salary of SGD 2,000 for local and permanent residents. While for foreigners and expats taking out a personal loan should have a salary of SGD 3,000 to be considered.

Bugis Credit is looking for the following before approving a personal loan:

  • Your ability to repay the personal loan
  • Singapore citizens, PR, and foreign workers need to show that they are employed or have income
  • Your proof of income
  • Other identification papers only after you have been approved for a personal loan

Because the total amount of personal loan you can receive is fixed due to the Registry of Moneylenders’ regulations, the best personal loan rates matter greatly. The interest rates would also differ if you have a secure or unsecured personal loan, or if you have a guarantor.

Having collateral such as properties, real estate, bonds, collections and other items and objects of value can help you lower your personal loan interest rates. Secured loans will have lower interest rates and even unlock higher amounts for customers. However, there are processing fees that must be applied when taking out a loan.

In addition, if you have good credit scores and decide to work with Bugis Credit, you can have lower interest rates too. However, we will never require that you have a good credit score — we’ll give you an amount with a low interest rate that you can safely borrow that is proportionate to your income.

It is not a good idea for a borrower to apply for a personal loan in Singapore to use as a debt consolidation loan. Personal loans in Singapore are meant to be used in times of emergencies only. If you need to borrow a larger amount of cash, it would be wiser to speak to us and come up with a better solution to your financial situation. 

When loans are used wisely, they can help you not to get into trouble. It is also useful to understand how personal loans work so you don’t get trapped in paying multiple loans at a time. You can talk to our loan officers to help you decide the best loan for you.

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 to your loans.

× WhatsApp Us