Licensed Money Lender in Singapore – Fast & Legal Loans You Can Trust

Get same-day loan approval with flexible repayment plans

At Power Credit, a licensed money lender in Singapore, we provide safe, legal loans and flexible loan solutions tailored to your needs, whether you need to borrow for personal expenses, business needs, or emergencies. With transparent terms, no hidden fees, and trusted support, we aim to be a reliable money lender in Singapore when you need financial assistance.

Why Choose Us?

Same-Day Loan Approval

Get your loan approved often within the hour for quick access to funds.

Cash On
the Spot

Receive your cash immediately upon approval.

Lowest Interest
Rates

Enjoy competitive interest rates tailored to your needs.

100%
Confidentiality

Your privacy is our priority, ensuring complete confidentiality.

Get the Cash You Need Hassle-Free

Apply in Just 3 Simple Steps!

Submit Your Application

Apply online with Singpass or complete our secure application form. Takes only 3 minutes.

Receive Application Status

Get notified of your eligibility and loan amount within an hour.

Quick Cash Disbursement

Visit our office, sign the agreement, and receive funds immediately.

Ready to apply?

Get instant approval with Singpass in just 3 minutes.

ABOUT US

Licensed, Trusted, and Professional Moneylender in Singapore

At Power Credit, we are committed to providing transparent, affordable, and responsible lending solutions. With years of experience serving Singaporeans, our mission is to make borrowing simple, secure, and stress-free. Every application is handled with care, ensuring you get the financial help you need — without unnecessary hassle.

20 +

Years of Experience

80 k+

Loans Approved

50 k+

Satisfied Clients

100 %

Licensed by MinLaw

WHAT WE OFFER

Serving And Providing Best Services For Clients

Personal Loan

Whether you need funds for a medical emergency, home renovation, or to pay your bills, apply for our personal loan and get the money you need to handle urgent expenses with the convenience of quick approval.

Payday Loan

Do you need money until your next paycheck? A payday loan provides quick cash to help you with your financial situation.

Foreigner Loan

If you’re an expat looking for fast access to emergency cash to help you cope in Singapore, our streamlined and secure online loan application process makes it simple.

Business Loan

As a small business owner, unexpected challenges can disrupt your operations. Our business financing options, including secured loans, can help provide the funds you need to manage cash flow or support business growth.

Wedding Loan

Your big day should be filled with joy, not financial worries. Our loans with flexible repayment options can help you manage wedding expenses with greater ease and confidence.

Renovation Loan

Renovating your home is an exciting step, but it often comes with a big price tag.

Debt Consolidation Loan

Power Credit’s Debt Consolidation Loan allows you to combine everything into a single, affordable monthly repayment.

PHV / Taxi Loan

Driving for a living can be rewarding, but it also comes with unpredictable expenses and irregular income.

Monthly Installment Loan

A Monthly Installment Loan lets you borrow a lump sum and repay it in fixed monthly payments. It’s a simple way to manage bigger expenses without straining your cash flow.

CLIENT'S TESTIMONIAL

Hear Our Customer Reviews

As one of the best licensed money lenders in Singapore, we provide the necessary funds and peace of mind to our valued customers.

Discover why our customers trust us.

       EXCELLENT  
   Based on 224 reviews 
    
 
 
 
   
 
 
      Posted on Google  
   
   Surfire Abraham 
 4 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. My cousin used this service as she needed a small loan based on the sales proceeds she will be getting after sale of her flat back to HDB.She was attended by Mike via whats app who called her sister n was very helpful and asked relevant and sensible questions and after a preminarly round of interview he ask us to visit his agency for approval in person.once we down to the agency the officer ,a young chinese guy, incharge was equally polite and kind and loan was dispersed efficiently  and smoothly after we submitted  copy of the documents that was already submitted at whats app.so the service was amazing and this agency should be listed  the best money lending agency among the rest in Singapore.The best people to help at times of unexpected expenditures were at this agency.Best agency ever.

Owner's reply
Thank you for your detailed feedback, Surfire! We're delighted to hear that you and your cousin had such a smooth and efficient experience with our loan services. Our team, works hard to provide outstanding customer service and ensure a seamless loan process. We’re honored to be recognized as a reliable support during times of financial needs. Yours Sincerely, Power Credit Enterprise Pte Ltd 1 Tras Link #01-11 Orchid Hotel Singapore 078867 +65 6443 2940 Visit us at https://www.powercredit.sg/
  
 
     Posted on Google  
   
   zoe chen 
 31 July 2026
 
 
 Trustindex verifies that the original source of the review is Google. Very convenience location near MRT. nice and friendly staff clearly explain and advise. one of the best licensed moneylender i had visited.

Owner's reply
Thank you, Zoe, for sharing your positive experience! We're delighted to know you found our location convenient and our team helpful. We strive to provide outstanding customer service and are pleased to be recognized as a top rated licensed moneylender. If you require any further assistance, please feel free to reach out. Yours Sincerely, Power Credit Enterprise Pte Ltd 1 Tras Link #01-11 Orchid Hotel Singapore 078867 +65 6443 2940 Visit us at https://www.powercredit.sg/
  
 
     Posted on Google  
   
   Salimman Wahid 
 15 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. 

Owner's reply
Dear Salimman, Thank you for your excellent review! We appreciate your support and are delighted to hear about your positive experience with our services. Should you require assistance with a personal loan or have any queries, do not hesitate to reach out. We are here to help. Yours Sincerely, Power Credit Enterprise Pte Ltd 1 Tras Link #01-11 Orchid Hotel Singapore 078867 +65 6443 2940 Visit us at https://www.powercredit.sg/
  
 
     Posted on Google  
   
   j 
 23 January 2026
 
 
 Trustindex verifies that the original source of the review is Google. 

Owner's reply
Thank you, J, for your feedback and support! We're glad you had a positive experience with Power Credit licensed moneylender loan services. If you need any assistance or have further questions, feel free to reach out anytime. Yours Sincerely, Power Credit Enterprise Pte Ltd 1 Tras Link #01-11 Orchid Hotel Singapore 078867 +65 6443 2940 Visit us at https://www.powercredit.sg/
  
 
     Posted on Google  
   
   ian audiya 
 15 January 2026
 
 
 Trustindex verifies that the original source of the review is Google. Had a short-term cash flow gap while waiting for a client payment. Power Credit offered a flexible, two-month loan that bridged the gap perfectly. Mike was professional and the terms were clear. It was a simple business transaction that solved a temporary problem without drama.

Owner's reply
Dear Ian, Thank you for sharing your positive experience! We're glad our flexible loan solutions and Mike's professionalism could assist you efficiently. We strive to be a best licensed moneylender, providing transparent and legal support tailored to your needs. Should you require our services again, we’re here to help. Yours Sincerely, Power Credit Enterprise Pte Ltd 1 Tras Link #01-11 Orchid Hotel Singapore 078867 +65 6443 2940 Visit us at https://www.powercredit.sg/
  
 
     Posted on Google  
   
   Aiden Chua 
 13 January 2026
 
 
 Trustindex verifies that the original source of the review is Google. Let's be real, no one wants to go to a money lender. But when my car broke down and I needed repairs urgently, Power Credit was the most straightforward option. Wayne processed everything quickly, explained the contract in simple terms, and there were no surprises. As far as these things go, it was a professional and hassle-free experience.

Owner's reply
Hi Aiden, Thank you for your thoughtful feedback. We're glad Wayne could provide you with a straightforward and transparent service during a stressful time. It's our goal to be a reliable and professional licensed moneylender for urgent needs, and we’re happy we could assist you efficiently. Yours Sincerely, Power Credit Enterprise Pte Ltd 1 Tras Link #01-11 Orchid Hotel Singapore 078867 +65 6443 2940 Visit us at https://www.powercredit.sg/
  
 
     Posted on Google  
   
   Shufee Ramlan 
 12 January 2026
 
 
 Trustindex verifies that the original source of the review is Google. Friendly and efficient Brian Mr Ong is professional

Owner's reply
Dear Shufee, Thank you for your kind words! We're thrilled to hear that Brian provided you with friendly and professional service. We always aim to be a preferred and legal moneylender with a team you can trust. Should you need any further assistance, feel free to reach out anytime. Yours Sincerely, Power Credit Enterprise Pte Ltd 1 Tras Link #01-11 Orchid Hotel Singapore 078867 +65 6443 2940 Visit us at https://www.powercredit.sg/
  
 
     Posted on Google  
   
   Sindy Neo 
 5 January 2026
 
 
 Trustindex verifies that the original source of the review is Google. 

Owner's reply
Thank you, Sindy, for your positive feedback! We truly appreciate your support and look forward to assisting you with any financial needs in the future. Feel free to reach out if you need a trusted and preferred licensed moneylender. Yours Sincerely, Power Credit Enterprise Pte Ltd 1 Tras Link #01-11 Orchid Hotel Singapore 078867 +65 6443 2940 Visit us at https://www.powercredit.sg/
  
 
     Posted on Google  
   
   dany g 
 4 January 2026
 
 
 Trustindex verifies that the original source of the review is Google. Recommended place for loan.

Owner's reply
Thank you, Dany, for sharing your experience with us. Your satisfaction with our licensed moneylending services is greatly appreciated. We are here to assist you with any future loan needs. Yours Sincerely, Power Credit Enterprise Pte Ltd 1 Tras Link #01-11 Orchid Hotel Singapore 078867 +65 6443 2940 Visit us at https://www.powercredit.sg/
  
 
     Posted on Google  
   
   MICHAEL JOSEPH MAGBOO 
 2 January 2026
 
 
 Trustindex verifies that the original source of the review is Google. 

Owner's reply
Thank you, Michael, for your support! We're glad you had a positive experience with our licensed moneylender services. Should you ever need assistance again, feel free to reach out. Yours Sincerely, Power Credit Enterprise Pte Ltd 1 Tras Link #01-11 Orchid Hotel Singapore 078867 +65 6443 2940 Visit us at https://www.powercredit.sg/
  
 
 
  
 
 
   Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

QUESTIONS & ANSWERS

Frequently Asked Questions
about Licensed Money Lenders in Singapore

Can Anyone Get an Instant Loan From a Licensed Money Lender in Singapore?

Working Singaporeans, Permanent Residents, and foreigners presently employed in Singapore may apply for fast cash loans, subject to eligibility checks and loan approval.

As with other trusted money lenders, Power Credit Enterprise will assess each borrower’s income, employment status, existing financial commitments, and supporting documents before approving the loan application.

How Much Can I Borrow From Licensed Money Lenders?

The loan amount may be up to 6 times your monthly salary, subject to your eligibility and loan approval.

The final amount you can borrow will depend on factors such as your income, existing obligations, and the applicable borrowing limits for licensed money lenders in Singapore.

Is Power Credit Enterprise a Licensed Money Lender in Singapore?

Yes. Power Credit Enterprise Pte Ltd (UEN: 201528280Z) is a licensed money lender in Singapore regulated by the Registry of Moneylenders under the Ministry of Law.

Power Credit Enterprise has been serving the Singapore community since 2007. Its current Moneylender Licence (137/2025) is verifiable through the official list of licensed money lenders maintained by the Ministry of Law.

Every loan contract is subject to Singapore’s Moneylenders Act and applicable regulations, including legal limits on interest and permitted fees. Borrowers should always verify that a lender is a legal loan company before applying for a loan.

Why Choose Power Credit Enterprise as Your Preferred Licensed Money Lender?

Power Credit Enterprise aims to make the loan processing and loan approval process straightforward for borrowers who need access to fast money.

Customers can expect responsive service, transparent information on applicable charges, and clear explanations of the repayment terms before signing a loan contract.

As an authorised money lender, Power Credit Enterprise also provides different loan solutions based on each borrower’s financial circumstances and eligibility.

What Types of Loans in Singapore Does Power Credit Enterprise Offer?

Power Credit Enterprise provides several types of loans in Singapore for different financial needs, including:

Personal loans
Foreigner loans
Business loans
Payday loans

Depending on the loan product, these may be unsecured loans that do not require collateral. The available loan amount, loan tenures, and repayment terms will depend on your eligibility and assessment.

Choose the appropriate loan type and submit a loan application for review.

Can People With Poor Credit Apply for a Loan?

Yes. People with poor credit or a less-than-ideal credit history may still submit a loan application.

Having bad credit does not automatically mean that your application will be rejected. Power Credit Enterprise will first conduct the necessary verification and assess your documents, income, existing commitments, and ability to make the required loan repayment.

The final loan approval, amount, and terms will depend on the borrower’s individual circumstances and assessment.

What’s the Interest Rate for a Personal Loan?

Interest rates may start from 1% per month, depending on your credit score, financial profile, and the type of personal loan requested.

Your loan consultant will explain the applicable interest rate, fees, repayment terms, and other terms and conditions before you enter into the loan agreement.

How Do I Make a Loan Repayment?

You can make your loan repayment through an approved funds transfer or cash deposit into Power Credit Enterprise’s corporate bank account and notify the team after payment.

You may also arrange GIRO for your monthly repayment or make payment directly at the money lender office.

Always follow the repayment method and repayment schedules stated in your loan agreement so that you can repay your loan on time.

How Do I Check My Loan Amount, Payment, or Balance Information?

Your loan consultant will explain the approved loan amount, applicable fees and interest, repayment terms, and other conditions stated in your loan contract.

Whether you are a new or existing borrower, you can contact Power Credit Enterprise if you have questions about your balance, payments, or agreement.

Borrowers should make sure they fully understand all terms and conditions before taking a loan with a licensed moneylender.

What Documents Are Needed for an Instant Loan Application?

You can submit your loan application using SingPass MyInfo, which can simplify the identity and information verification process.

Additional supporting documents may be requested depending on your employment status, income, and type of loan.

Once the required checks are completed and the loan is approved, Power Credit Enterprise can proceed to disburse the approved funds according to the signed loan agreement.

Once My Loan Is Approved, How Will I Receive the Money?

Once your loan approval is confirmed and the loan agreement has been signed, Power Credit Enterprise can disburse the approved loan amount in cash or by bank transfer.

The method of disbursement will be confirmed during the application process.

Can a Work Permit or S Pass Holder Submit a Loan Application?

Yes. A foreigner holding a valid Work Permit or S Pass may submit a loan application, subject to eligibility and approval.

You may be asked to provide your work permit, a certified employment letter from your employer, tenancy agreement, and latest payslip or other proof of income.

These documents will undergo verification by the loan consultant before a decision is made on the application.

What Happens If I’m Unable to Make My Monthly Repayment on Time?

If you’re unable to repay an instalment by the due date, late payment charges may apply in accordance with the applicable regulations and your loan agreement.

Power Credit Enterprise’s Debt Management team may contact you to understand the reason for the delay and discuss reasonable arrangements to help facilitate your monthly repayment.

If you expect difficulty making payment, contact the team as early as possible rather than allowing the repayment to remain overdue.

OUR LATEST BLOG

Our Blogs

Discover our latest news and insights