Bugis Credit Reviews

5 Stars GM Creditz star 124 reviews on GM Creditz Loan advisor 

Wesley Chuah

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!

Gulu Hyku

Pleasant experience at Bugis Credit. Highly recommended for anyone who wants to take a loan with a peace of mind. Location is great , discreet from the public. Would like to express my thanks to Jacob who served me and explained the details clearly.

Jared Prasad

The customer service officer Jerraine was very helpful and friendly. She was very patient and did my application without any hassle. A very good company and staffs.

Safirna Saleh

I’ve been taking loans from here for a few times and so far it is hassle free and the place is very nice and quiet. More privacy and less distraction from other people. The staff are all also friendly.

edi mustaffa

Thank You so much for helping me with my personal loan. Special mention to their staff Vincy for a  well job . She was very patience and process my loan very fast.TQ Like

William Tan

Oscar is  a very patient and understanding person. He explained all to me anf come to a good plan. Bugis Credit is highly recommendedl

Bugis Credit Reviews


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Frequently Asked Questions (FAQs)

Prior to borrowing money, it is important to consider the list of money lending companies registered with the Ministry of Law, to verify its legitimacy.

At Bugis Credit Pte Ltd you can be confident that you can get a fair amount of interest rates, as it adheres with the law. It offers flexible repayment terms suitable for the borrower’s budget and capability.

The amount of money you can loan varies depending on the requirement and qualification. Here’s the list of loanable amount A1 Credit offers:

  • Foreigner Loan – Up to SGD10,000
  • Payday Loan – Up to one month’s worth of income
  • Personal Loan – SGD $500 to $50000
  • Business Loan – SGD $10,000 to $200,000
  • Monthly Loan – Up to one month’s worth of income

According to the Ministry of Law, if a borrower fails to repay the loan on time, the maximum rate of late interest a moneylender can charge is 4% per month for each month the loan is repaid late.

All moneylenders are only permitted to impose the following charges and expenses:

  • a fee not exceeding $60 for each month of late repayment.
  • a fee not exceeding 10% of the principal of the loan when a loan is granted.
  • legal costs ordered by the court for a successful claim by the moneylender for the recovery of the loan.

The total charges imposed by a moneylender on any loan, consisting of interest, late interest, upfront administrative and late fee also cannot exceed an amount equivalent to the principal of the loan.

You can verify if a moneylender is licensed by checking this list by the Ministry of Law.

Under the advertising rules, licensed moneylenders are permitted to advertise only through these three channels:

  1. Business or consumer directories (in print or online media)
  2. Websites belonging to the moneylender

If you receive flyers, SMSes, emails or other forms of advertisements, these would be from either licensed moneylenders operating in violation of the rules, or unlicensed moneylenders.

You are advised to seek clarifications on specific terms of the loan contract before signing up with a licensed moneylender, and not to rely solely on the content of advertisements from the moneylender.

You should ensure that:

  • You understand your responsibilities as a surety;
  • You receive a copy of the Note of Contract at the time that the loan is granted to the borrower;
  • The moneylender has explained the terms in the Note of Contract in a language that you understand; and
  • The moneylender does not keep your NRIC card or any other personal ID documents (e.g.driver’s licence, passport).
  • The moneylender does not acquire any information that contains passwords to your user accounts (e.g. Singpass account, Internet banking account, email account).
  • Make sure the moneylender delivers to you the correct principal amount of the loan. The moneylender is only permitted an upfront deduction of a loan approval fee of up to 10% of the principal amount.
  • Pay the loan installments on time to avoid incurring late payment fees and late interest.
  • Make sure the moneylender issues to you a receipt every time you make any repayment towards your loan, and check it for correctness (e.g. name, amount, date).
  • Make sure you receive a statement of account for all your loan(s) at least once every January and July, and check it for correctness (e.g. name, amount, date); and
  • You should retain all statement of accounts and receipts of payments, as documentation and evidence of payments.



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