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    JD Credit

    Licensed Moneylender Singapore Loans

    JD Credit is a leading licensed moneylender Singapore company. We offer a range of loan products – personal, business, payday and foreigner loans for indivisuals in Singapore. In the past 10 years, we have made loans to more than 5000 customers through our online loan platform. Within 1 day, we provide a quote for your loan with highly competitive interest rates.

    Years of Experience
    Successful Customers
    Day Response with Quote

    Why Our Clients Trust Our Moneylender Singapore Service

    As a 1 stop authorised moneylender in Singapore, we offer several different loans to meet your financial needs. Simply speak to our expert money lending consultants to find a plan that best works for you. Rest assure we will work closely with you to plan out a loan that is both functional and financially responsible.

    a woman applying for a fast personal loan Singapore

    At JD Credit, we offer personal loans for all Singaporeans to let you meet your personal requirements.


    Personal loans are unsecured loans, granted to borrowers to meet unexpected expenses or tackle other small costs. At JD Credit, we offer personal loans for all Singaporeans to let you meet your personal requirements.

    Preparing table for singing of business loan Singapore agreement

    At JD Credit, we offer business loans to assist in your business.


    Business loan is a short term loan to ideally cover one-time expenses of SMEs, such as to secure new projects. At JD Credit, we offer business loans to assist in your business.

    foreigner loans in Singapore put your financial troubles to rest

    At JD Credit, our hassel-free and fast approval foreigner loan services will help to ease your worries.


    Foreigner loan is like a personal cash loan for non-Singaporeans residing in Singapore, aiding their financial needs. At JD Credit, our hassle-free and fast approval foreigner loan services will help to ease your worries.

    a timely payday loan in Singapore

    At JD Credit, we offer flexible payday loan scheme to all Singaporeans, Permanent Residents as well as S-pass holders.


    Payday loan, also known as speedy cash, helps aid people in times of monetary crisis until your next paycheck arrives. At JD Credit, we offer flexible payday loan scheme to all Singaporeans, Permanent Residents as well as S-pass holders.

    Our Singapore Legal Loans Process

    Our Singapore loan application is built on speed and ease. Instead of rigorous and time consuming background checks, we simply ask for simple information from you. So long as no red flags are raised, we will approve your loan and invite you down to our Singapore moneylender office to collect your cash.

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    1. Apply Online

    Fill up our very simple enquiry form.

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    2. Wait For our Approval Call

    We will get in touch with you within 1 working day.

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    3. Come to our office to complete a document

    Verification of eligibility and documents by our loan executives.

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    4. Get Your Cash

    Signing of contract & collecting your cash.

    Why Choose Our Loans In Singapore

    Ultimately, our pledge to be a responsible legal moneylender in Singapore guides our interactions with you. At all times, our money lending specialists strive to understand your financial situation and needs. We then move quickly to put together a loan that meets your needs with a competitive interest rate. This allows you to get the financing support you need quickly.

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    Quick & Easy Application Online

    Skip long and tedious paper work when applying for a private loan with us. Simply fill up our form online to apply for our loan. It is that simple.

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    Quick Reponse Time

    Time is money, that is why with JD Credit, you can expect fast approval time. If you are eligible, we will approve your loan within 1 working day, it is that fast.

    competitive pricing loans

    Competitive Interest Rates

    As a licensed moneylender, JD Credit offers fair interest rates on loans. Our pst clients have been highly satisfied with our service.

    Customer Testimonials of
    Our Licensed Loans In Singapore

    About JD Credit Licensed Money Lenders

    JD Credit Pte Ltd Licensed Money Lender Singaporeprovides one of the best options to help with any individual financial situation. Here in JD Credit, we take financial matters seriously and will always keep our customers interest first. We are well known for providing fast loans to individuals who are stuck financially or having troubles finding a capital to start a business. JD Credit Pte Ltd will provide fast loans to any individual who are in need of cash, be it to nurture your child talents or to help turn your business ideas into reality.

    Private Loan Repayment Strategies

    Debt has always been a controversial issue where amounts accumulate to become a significant debt.

    Discover 2 moneylender Singapore methods to repay your debt – stacking and snowball.

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    Snowball Method

    In contrast, this method involves you to prioritise the principal amounts owed from your private loan. The objective is to clear the number of debts to prevent a snowball effect of debt. Similarly, you will list down all your debts but this time, sort them from the highest principal to the lowest. The priority if to pay off the lowest principle debt first, clearing the number of debts you owe to prevent your debt from going out of control.

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    Stacking Method

    This method involves you prioritising the debts you have with the highest interest rate first. To start, you will need to list down all your debts and sorting them from the highest interest rate to the lowest. The focus is placed on interest instead of the principal sum or the current amount owed.

    The priority is to pay off the debt with the highest interest so that you will incur lesser increment interest-based debt.

    FAQ For Our Private Loans

    What is the interest rate moneylenders charge?

    The maximum interest rate moneylenders can charge is 4% per month. Regardless of the loan nature – loan amount, unsecured or secured, this cap applies if you fail to repay the loan on time. The maximum late interest rate a moneylender can charge is 4% for each month with late payment.

    What are the other fees that a moneylender can charge?

    From 1 October 2015, all moneylenders are only permitted to impose:

    • Late payment fee that is not exceeding $60 per month
    • A fee not exceeding 10% of the principal of the loan when a loan is granted
    • The legal cost ordered and approved by the court. This is for a successful claim by the moneylender to recover the loan.

    How do I ensure the moneylender is licensed?

    To verify that the moneylender is indeed licensed, check The Ministry of Law’s compiled list of licensed moneylenders in Singapore.

    What should I look out for if I am standing surety for a loan?

    In the event that you are standing surety for a loan, ensure that:

    • You fully understand your responsibilities as a surety
    • A copy of the Note of Contract is issued to you as the loan is granted to the borrower
    • The moneylender has clearly explained the terms & condition of the Note of Contract to you
    • You do not give out your information that pertains passwords to your user accounts, such as Singpass and email account
    • Your personal ID documents or NRIC card is kept with the moneylender

    What should I consider before applying for a loan?

    Getting a loan should not be taken lightly as a wrong choice could snowball our debts. Therefore, before you take up a loan, do consider the following:

    • If you meet the criteria to obtain a loan from a licensed moneylender
    • Explore the different moneylenders to determine the one for you. Evaluate the moneylenders, and commit yourself to a loan that you are satisfied with the terms and condition.
    • Consider why you need the money and if you are able to repay the loan in time. Do note that if you are unable to meet the loan deadline, there will be a late payment fee and interest payment that could lend you in more debt.
    • Ensure that you fully understand the terms and condition of the contract, especially the repayment schedule, interest rate and the additional fees applicable.

    What should I do after being granted a loan?

    Here are some tips you should do after being granted a loan:

    • Ensure that your moneylender has granted you the right loan amount. Do note that your moneylender is only permitted an upfront deduction of a loan approval fee, up to 10% of the principal amount.
    • Establish a habit to check that you receive a receipt from your moneylender each time you make a repayment
    • Keep all statements and receipts of payment as evidence and documentation of loan payments.
    • Pay your loan before or on time. Avoid the possibilities of incurring late payment fees and late interest.