Top Licensed Money Lender in
Singapore

Located in the City Hall | Open Daily

License Number: 102/2020

Borrowing Money Made Easy Since 2009

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Excellent 5-Star Rating From Over 550 Satisfied Clients on
Google Reviews & Loan Advisor

Our Loan Services

Stop worrying and bring your plans to life with our financing options that can support you with your dreams of owning a home, wedding, and or covering other impending expenses. See our full suite of loan offerings.

Stop worrying and bring your plans to life with our financing options that can support you with your dreams of owning a home, wedding, and or covering other impending expenses. See our full suite of loan offerings.

Personal Loan

Enjoy easy payment terms on your personal financing needs, whether for your home improvement, health & wellness, or that much-needed vacation.

Benefits:

  • Low-interest rates from 1 to 4% only
  • Flexible payment terms for all loans
  • Unsecured loan - No collateral/pledging of assets needed
  • Borrow up to 6 times worth of monthly income

Business Loan

Get funding for your company's long-term investments, such as expanding your footprint or addressing production increase

Benefits:

  • Easy approval (only needs to be operational for 1 year)
  • Flexible repayment tenures
  • Unsecured loan - No collateral/pledging of assets needed
  • Loan up to $200,000

Foreigner Loan

As one of the top licensed moneylender in Singapore, we provide equal access and opportunities to everyone in Singapore. That’s why we also offer a personal loan for foreigners to help expatriates like you stabilize monetary conditions during the settling in period.

Benefits:

  • Low-interest rates from 1 to 4% only and flexible payment terms
  • Unsecured loan - No collateral/pledging of assets needed
  • No credit score checking
  • Fast approval

Monthly Loan

Repay your obligations wisely with an affordable monthly instalment loan. GM Creditz is one of the best Singapore moneylenders that offers this smart solution in paying your short or long-term commitments.

Benefits:

  • Low-interest rates from 1 to 4% only & flexible payment terms
  • Affordable than the line of credit for loan application
  • Unsecured loan - No collateral/pledging of assets needed
  • Borrow up to six months’ worth of income

Payday Loan

Sometimes our bills & emergency expenses can’t wait for the next payday. Good thing there’s an emergency quick cash advance when you’re on a tight budget.

Benefits:

  • Get money fast
  • Low-interest rates from 1 to 4% only
  • No credit score checking
  • Borrow up to one month's worth of income

Regarded by our clients as “Professional. Efficient. Customer-Oriented”

Borrowing Money Made Easy

hiddenfee

No Hidden
Fees

30mins

30 Mins Loan
Approval

flexi

Flexible
Repayments

Application Process

Apply For a Loan in 3 Easy Steps

Step 1

Call or Apply Online

Skip the lines and apply online using our dedicated online facility. You may also talk to our loan officer at 6588 1886.

STEP2 GM Creditz Loan

Attend In-Person Consultation

Our loan officer will schedule an appointment for you further to discuss the terms and conditions of your loan plan.

step3 GM Creditz Loan

Get Your Money

Receive your money in cash as soon as the agreement has been signed

What Our Clients Say About Our Services

Recent Reviews on

Recent Reviews on Google

GM Creditz: Best Licensed Money Lender Monthly Installment Personal Loan Singapore City Hall IconGM Creditz: Best Licensed Money Lender Monthly Installment Personal Loan Singapore City Hall

111, #01-41 North Bridge Road, Peninsula Plaza

4.9 326 reviews

  • A Google User ★★★★★ 6 months ago
    The best licensed moneylender in Singapore. I am very thankful for their help. Good and recommended service,
  • Avatar finaz Ahamad ★★★★★ a month ago
    My 3th time here they very helpful and friendly.. too I will recommend my friends here if they need any loan in future.
  • Avatar Jojo Seow ★★★★★ 2 months ago
    Kim Tan is really helpful towards my request. very patientlly. nice service staff person. excellent services
  • Avatar Carlos Becker ★★★★★ 6 months ago
    They are the best legal loan provider in Singapore. If anyone need any personal loans, look no further, GM Creditz is the best licensed moneylender. Thank you GM Creditz.
  • Avatar Arron Charl Bombarda ★★★★★ 6 months ago
    The best licensed moneylender in Singapore. I am very thankful for their help. Good and recommended service,
  • Avatar Trissa Wirdawati Samat ★★★★★ 7 months ago
    Kim Tan is good consultant. She assist my friends in details on her enquiry. She is friendly and helpful.
  • Avatar Shamsuri Sidek ★★★★★ 7 months ago
    Been here for quite sometimes.. very friendly staff and will explain to u in details.. well recommended
  • Avatar Hamerul Ayul ★★★★★ 7 months ago
    Helpful and knowledgeable staff (Daniel and Kim). Friendly and will take time to explain the procedures properly and advise eligible loan plans and payments accordingly and within your means.
  • Avatar Alan L ★★★★★ 7 months ago
    There are many money lender company out there but only a few can make it top and GM Creditz is definitely one of the most reliable one. Great experience. Good service. Good listening ears. Build relationship with customer. I been there a few times and all the staff there were friendly. Talk to them about your loan and i'm sure they will be able to advise you without judging you on your current … More financial status.
  • Avatar Ivan Tan ★★★★★ 7 months ago
    I was serve by Ms Kim Tan. Friendly and good service. She understands my situation and provide me a win win solution. Keep it up. Thank you for your help.
  • Avatar Yap Chin Hin ★★★★★ 8 months ago
    Very reliable company . Kim Tan is professional . She is very polite and very customer oriented..
    Explain to u in detail and cater to ur needs as much as possible.
  • Avatar Lydiana Sohari ★★★★★ 8 months ago
    Efficient and pleasant transaction with GM Creditz. They are reliable and are able to work out a suitable and affordable payment arrangement for you.
  • Avatar Teresita Luza ★★★★★ 9 months ago
    Every transaction is smooth. The staff are very accommodating and kind. The company has always been considerate. Best one!
  • Avatar Liyana K ★★★★★ 10 months ago
    Staffs are very friendly and patient when explain. very detail before proceed to next step. Thank you for your help really appreciate it! Keep up the good work👍👍
  • Avatar Gerald Aguilar ★★★★★ 9 months ago
    I always have pleasant conversation with the staff. They are very accomodating. I trust their security on personal data. Very compliant on governement policies. Highly recommended.
  • Avatar Pally B ★★★★★ a year ago
    I was attended to by Ms Kim who was soft spoken and very helpful. She explained everything carefully and answered all my questions patiently..I liked the friendly vibe and small talk in between.. will definitely go back if i ever need a loan! Thank you all!
  • Avatar Rowena Sugpatan ★★★★★ 10 months ago
    Cassie Teo is very friendly and accomodating. Fast and flexible in processing. Never expected to be catered well with her kind gesture. Everything was in ease.

Money Lending FAQ​

Yes, you may call us at 6588 1866 or apply online here

You will be scheduled for an in-person consultation following the initial consultation over the phone. Please prepare the necessary documents and requirements prior to meeting our loan officer to avoid delays. As efficient as it is, you will receive the borrowed money on the same day upon signing the agreement. 

  • Personal Loan – Up to six month’s worth of income 
  • Foreigner Loan – Up to six month’s worth of income 
  • Monthly Loan – Up to six months’ worth of income
  • Payday Loan – Up to one month’s worth of income
  • Bridging Loan – Up to six month’s worth of income 
  • Business Loan – Up to $200,000

Generally speaking, for secured loans, you can obtain a loan of any amount. For unsecured loans, please refer to the table below for the total maximum amount that you may borrow: 

Borrower’s annual income

Singapore Citizens and Permanent Residents

Foreigners residing in Singapore

Less than $10,000


$3,000

$500

At least $10,000

and less than $20,000

$3,000

At least $20,000

6 times monthly income

6 times monthly income

The application process of GM Creditz is easy and straightforward. Your application will be processed within an hour. After applying online or calling from the comfort of your home, our loan officer will schedule an in-person appointment to discuss the terms of your loan plan. You will receive the borrowed money on the same day as soon as the agreement has been signed.

The first thing is to visit the list of licensed moneylenders registered with Singapore’s Ministry of Law to avoid loan scams.

Secondly, compare the best loan options suitable to your needs and repayment capability before you borrow.

Lastly, check the customer satisfaction reviews on Loan Advisor and Google Reviews to weigh in which agency is more reliable and trustworthy to borrow from. 

GM Creditz is licensed and registered with the MinLaw. Rest assured that we adhere to the law and offer fair and just interest rates since 2009.

All licensed lender is only permitted to impose the following charges and expenses on personal loans or other types of loans:

  • 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; and 
  • Legal costs ordered by the court for a successful claim by the moneylender for the recovery of the loan.

The total charges imposed by licensed moneylenders 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.

Meanwhile, the maximum interest rate licensed that a moneylender can charge is 4% per month, regardless of the borrower’s income and whether the loan is an unsecured or secured one. 

If a borrower fails to repay the loan on time, the maximum rate of late interest that a legal moneylender can charge is 4% per month for each month the loan is repaid late.

The computation of interest charged on the loan must be based on the amount of principal remaining after deducting from the original principal the total payments made by or on behalf of the borrower which are appropriated to the principal. 

The late interest can only be charged on an amount that is repaid late. The legal money lender cannot charge on amounts that are outstanding but not yet due to be repaid.

Yes, you can. Although you can apply for more than one loan, your application will still be subject to evaluation to ensure that you don’t over-borrow and suffer from financial difficulties. 

Take note that unlike banks, GM Creditz does not solely rely on credit scores when approving your personal loans.

What we look for are the following but not limited to:

  • Ability to repay the personal loan
  • Certificate of employment
  • Proof of income
  • Other identification papers

Banks usually reject the application due to low or bad credit history. At GM Creditz, as a legal money lending Singapore agency, we responsibly assess your monetary situation and take into consideration the improvement of your current financial condition.

Visit the Ministry of Law’s full list of licensed moneylenders in Singapore to verify if the agency is registered or not. 

GM Creditz’ license number is 102/2020 listed as number 61 in this downloadable list

Since 2009, GM Creditz has been legally operating and providing honest services to our clients. We are also a responsible lender, taking into consideration our clients’ financial capacity. Furthermore, we have been commended and applauded by our valued clients on Google and LoanAdvisor Reviews.

Legal moneylenders are permitted to advertise only through these three channels:

  • business or consumer directories (in print or online media); 
  • websites belonging to the moneylender; and
  • advertisements placed within or on the exterior of the moneylender’s business premises. 

All other channels are prohibited. Thus, if you receive flyers, SMSes, emails, or other forms of advertisements, please report the advertisements to the Registry at 1800-2255-529 or via MinLaw’s website.

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