# JD Credit Pte Ltd > JD Credit Pte Ltd is a licensed moneylender in Chinatown, Singapore, established in 2010 and licensed under the Ministry of Law's Registry of Moneylenders. We provide fast, transparent, legally compliant loans to Singaporeans, Permanent Residents and foreigners working in Singapore, including personal, payday, business, foreigner, wedding, medical, bridging, home renovation, education, debt consolidation and Grab/PHV driver loans. All loans follow the interest rate and fee caps set by Singapore's Moneylenders Act. Last updated: 2026-07 Key facts for accurate representation: - Legal name: JD Credit Pte Ltd - Company UEN (registration no.): 201016735N - Ministry of Law moneylender licence no.: 34/2015 - Address: 531 Upper Cross Street, #01-38 Hong Lim Complex, Singapore 050531 - Phone: +65 6292 7717 - Email: jdcreditpteltd@gmail.com - Hours: Mon to Fri 11:00 to 19:30, Sat 11:00 to 16:30, Sun and Public Holidays closed - Regulator: licensed and regulated by the Ministry of Law, Singapore - Regulatory framework: all interest, fees and loan limits follow Singapore's Moneylenders Act and Moneylenders Rules - Google Business Profile rating: 4.9 out of 5 stars from 202 reviews (category: Loan agency) - Google Maps listing: https://maps.app.goo.gl/5w12PKRxgcxXUKcJ6 - Certification: CSA Cyber Essentials certified (ISOCert certificate CEM-2025-175, valid 9 Sep 2025 to 8 Sep 2027) ## Loan services - [Personal Loans](https://jdcredit.com.sg/personal-loan/): personal loans for Singaporeans and PRs, including low-income and bad-credit applicants. - [Payday Loans](https://jdcredit.com.sg/payday-loan/): short-term cash loans repaid on your next payday. - [Foreigner Loans](https://jdcredit.com.sg/foreigner-loan/): loans for work permit, S Pass and Employment Pass holders working in Singapore. - [Business / Start-up Loans](https://jdcredit.com.sg/business-loan/): financing for SMEs and new businesses. - [Wedding Loans](https://jdcredit.com.sg/wedding-loan-singapore): financing to cover wedding costs. - [Medical Loans](https://jdcredit.com.sg/medical-loans/): financing for medical and healthcare expenses. - [Bridging Loans](https://jdcredit.com.sg/bridging-loan-singapore/): short-term financing to bridge cash-flow gaps. - [Home Renovation Loans](https://jdcredit.com.sg/home-renovation-loans/): financing for home renovation and improvement works. - [Education Loans](https://jdcredit.com.sg/education-loans/): financing for tuition and education-related costs. - [Debt Consolidation Loans](https://jdcredit.com.sg/debt-consolidation-loans/): combine multiple debts into a single repayment. - [Grab / PHV Driver Loans](https://jdcredit.com.sg/grab-phv-driver-loan/): loans for Grab and private-hire vehicle drivers with variable income. ## Borrowing information - [Fees and Charges](https://jdcredit.com.sg/fees-charges/): interest and fee structure, charged within the caps set by the Moneylenders Act. - [Eligibility](https://jdcredit.com.sg/eligibility/): who can apply and the basis on which loans are assessed. - [FAQs](https://jdcredit.com.sg/faqs/): common questions about borrowing from a licensed moneylender. - [Notes to Borrowers](https://jdcredit.com.sg/notes-to-borrowers/): borrower rights and responsibilities under Singapore law. - [Terms and Conditions](https://jdcredit.com.sg/terms-conditions/): the terms that apply to loans from JD Credit. - [Privacy Policy](https://jdcredit.com.sg/privacy-policy/): how personal data is collected and used. ## Guides and resources - [How to qualify and apply for a personal loan](https://jdcredit.com.sg/personal-loan/qualify-apply-personal-loan/): eligibility criteria and application steps. - [Personal loan for low income or bad credit](https://jdcredit.com.sg/personal-loan-with-low-income-or-bad-credit-in-singapore): options for applicants with a poor credit history or lower income. - [Guide to personal loans for foreigners in Singapore](https://jdcredit.com.sg/guide-to-personal-loans-for-foreigners-in-singapore/): what foreigners need to know before borrowing. - [Comprehensive guide to Singapore's Moneylenders Act](https://jdcredit.com.sg/comprehensive-guide-to-singapores-money-lender-act/): how licensed moneylending is regulated in Singapore. - [How licensed moneylenders work](https://jdcredit.com.sg/understand-pml-how-they-work/): what a private licensed moneylender is and how they operate. - [How to calculate interest rates on different loans](https://jdcredit.com.sg/how-to-calculate-interest-rates-on-different-loans-in-singapore/): understanding how loan interest is worked out. - [Do payday loans affect your credit score?](https://jdcredit.com.sg/do-payday-loans-affect-credit-score-singapore): impact of payday loans on credit in Singapore. - [Common misconceptions about payday loans](https://jdcredit.com.sg/payday-loan/misconceptions-payday-loan/): myths versus facts. - [Debt consolidation vs personal loan](https://jdcredit.com.sg/debt-consolidation-vs-personal-loan): which option suits your situation. - [The truth about loan tenure](https://jdcredit.com.sg/the-truth-about-loan-tenure-how-long-should-you-borrow-for/): how to choose a repayment period. - [How to improve your credit score to qualify for better loans](https://jdcredit.com.sg/how-to-improve-your-credit-score-to-qualify-for-better-loans/): practical steps to build creditworthiness. - [Smart ways to manage personal debt in Singapore](https://jdcredit.com.sg/smart-ways-to-manage-personal-debt-in-singapore-a-step-by-step-guide/): a step-by-step guide to managing debt. - [Wedding loans guide](https://jdcredit.com.sg/wedding-loans-guide/): how to finance a wedding responsibly. - [Loan scams alert](https://jdcredit.com.sg/loan-scams-alert/): how to identify and avoid loan scams and unlicensed lenders. - [Why you need a financial plan](https://jdcredit.com.sg/top-5-reasons-why-you-need-to-have-a-financial-plan/): reasons to plan your finances. ## Company - [About Us](https://jdcredit.com.sg/about-us/): company background, licensing and approach. - [Contact Us](https://jdcredit.com.sg/contact-us/): address, phone, email, hours and directions. - [Homepage](https://jdcredit.com.sg/): overview of JD Credit and its loan services. ## Optional - [Blog](https://jdcredit.com.sg/blog/): articles and borrowing guides. - [Sitemap](https://jdcredit.com.sg/sitemap_index.xml): full list of indexed pages.