GM Creditz Pte Ltd is a licensed moneylender (License No. 102/2020) listed in the Registry of Moneylenders, under the Ministry of Law in Singapore.

Best Personal Loan (Singapore)

Enjoy easy payment terms on your personal financing needs, whether for your health & wellness, much-awaited wedding, or that much-needed vacation. Use our personal loans in Singapore as you see fit!

  • Low-interest rates from 1 to 4% only
  • Unsecured loan – No collateral/pledging of assets needed
  • Borrow up to 6 times of your salary


A personal loan is a short-term loan that can help you in making big purchases, such as for home improvement, car, vacation, among others.

It typically has a lower interest rate than credit cards, making it an attractive option for consolidating high-interest debts. Unsecured personal loans also don’t require collateral; instead, lenders approve personal loans by evaluating your financial stability.

GM Creditz’s personal loans in Singapore is an unsecured loan can make your dreams a reality by providing the funds in a fast, convenient, and cost-effective way. We can lend you up to 6 times your salary, funding you with a decent amount of support to jumpstart any personal endeavors that you would like to pursue!

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



At Least 18+Years Old


Minimum Salary Of SGD1,500 For Local & PR

Foreign Loan GM Creditz

Minimum Salary Of SGD2,000 For Foreigner

Documents Requirements

Monthly Loan GM Creditz

Local and Permanent Residents

  • Identity card
  • Proof of residence (utility bill, a letter addressed to you, and or tenancy agreement)
  • Proof of employment (certificate of employment if your job is less than 3 months)
  • Recent 3 months payslip
  • SingPass (log into CPF, HDB, IRAS website)


  • Minimum Salary SGD2,000
  • Passport
  • Work Permit / S-Pass / Employment Pass
  • Proof of residence (utility bill or tenancy agreement)
  • Proof of employment (certificate of employment if your job is less than 3 months)
  • Recent 3 months payslip
  • Proof of income (bank or account statement)
  • SingPass (log into IRAS website)
personal Loan

What Our Clients Say About Our Services

Recent Reviews on

Recent Reviews on Google

Every transaction is smooth. The staff are very accommodating and kind. The company has always been considerate. Best one!

Teresita Luza Avatar
Teresita Luza

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.

Gerald Aguilar Avatar
Gerald Aguilar

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.

Rowena Sugpatan Avatar
Rowena Sugpatan
A lady watching to her phone

Borrow With Ease!
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Personal Loan FAQ

GM Creditz’s personal loan allows you to borrow up to six months’ worth of your salary and can be paid back by monthly payment. 

The monthly payment of the personal loans Singapore depends on the terms and conditions of your loan contract, interest rate, monthly salary, processing fee, and repayment capabilities.

Rest assured that there are no hidden charges being imposed by GM Creditz. We take honesty and transparency seriously and discuss all the fees regarding the personal loans before you sign the contract. 

Some reasons to use GM Creditz’s personal loan are the following but not limited to:

  • Planning for wedding
  • Paying off credit cards or debt
  • Starting a business
  • Availing home improvement products and services
  • Funding travels
  • Overall health and wellness

Before taking a personal loan, 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 money from in Singapore.

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

We have established an excellent reputation over the years. In fact, we are noted by our clients as “professional, efficient, and client-oriented,” assuring you that you are borrowing from a legal, responsible, and ethical agency.

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 Loan Advisor Reviews.

Generally speaking, for secured loans, you can obtain a loan of any amount. For unsecured loans like personal 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



At least $10,000

and less than $20,000


At least $20,000

6 times monthly income

6 times monthly income

All moneylenders are only permitted to impose the following processing fees, other charges and expenses:

  • A fee not exceeding $60 for each month of late repayment of the loan amount;
  • 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 a moneylender on any loan amount, consisting of interest rates, late interest rates, upfront administrative processing fee, and late fee also cannot exceed an amount equivalent to the principal of the loan.

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

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

The computation of interest rate charged on the loans 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 moneylender cannot charge on amounts that are outstanding but not yet due to be repaid.

To get the best personal loan rates in Singapore, you may check personal loan comparison sites online to weigh in your options. 

Please note that the interest rates depend on the loan plan you are applying for. Compared to unsecured loans, secured loans will have lower interest rates and can offer you a higher amount of money. 

Having collateral such as properties, real estate, bonds, collections and other items and objects of value can also help you lower your personal loans interest rates.

GM Creditz offers the lowest possible interest rates, in accordance with the Ministry of Law, ensuring you that we practice legal lending and help our clients also practice responsible borrowing by helping you manage the best loan plans suitable for your objectives, budget, and repayment capability. 

If you wish to see our clients’ testimonials, please visit our Reviews page. You may also apply online or call us for further details. 

Applying for GM Creditz’s personal loan is easy and straightforward as long as you have your complete set of documents and information. The application will be processed in less than 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 key differences between a personal loan and a payday loan are the loan amount you can borrow and the tenure payment plan.

A personal loan allows you to borrow up to six months’ worth of your salary and lets you pay monthly until the personal loan amount is paid off..

Just like how credit cards work, the monthly payment depends on the terms and conditions of your personal loan contract, interest rate, monthly salary, processing fees, and of the personal loans repayment capabilities.

On the other hand, a payday loan allows you to borrow up to one month’s worth of your salary or income and loans must be paid back in less than a month. 

Rest assured that there are no hidden charges and we offer low interest rates on loans, this is being imposed by GM Creditz. We take honesty and transparency seriously and discuss all the fees before you sign the loan contract.

Yes, your borrowing limit may differ from one another. Banks in Singapore can allow you to borrow a bigger loan amount for a much longer tenure with a different interest rate, but the process of releasing the money takes time. GM Creditz, on the other hand, can give you the loan amount, usually, in just only an hour with a much easier loans application process, with low interest rate and upfront processing fees and no hidden charges.

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 personal loan and suffer from financial difficulties. 

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

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

Aside from GM Credit’s fuss-free application process and excellent customer service, we also take pride in our comprehensive personal loan plan for your immediate financial needs. Among the key advantages are:

  • Low-interest rates from 1 to 4% only 
  • Flexible payment terms
  • Unsecured loan – No collateral/pledging of assets needed
  • Borrow up to 6 times worth of monthly income with a low interest rate

GM Creditz offers the best personal loan in the City Hall of Singapore. Our office is conveniently located near MRT City Hall and opposite Peninsula Plaza Bus Stop. 

Address: 111 at North Bridge Road #01-41 Peninsula Plaza Singapore 179098

Operating Hours: Mon-Fri: 11:00am – 9:00pm | Sat-Sun: 11:00am – 6:00pm

GM Creditz’s personal loan is designed to ease your financial emergencies. We make sure to give you the quick cash that you need immediately, with a low interest rate in as short as an hour.

We are proud of our competitive personal loan plans that adhere to the Moneylenders Act. And we only impose the required and permitted fees and interest rates and make sure to customise the loan plan accordingly.

Moreover, our ultimate goal is to help you with your financial difficulties, not to add burden to your financial trouble. Take it from our clients’ verified reviews on Loan Advisor, Google Reviews, and Business Listings, that can attest to our promises and core values — professional, efficient, and client-oriented. 

We look forward to serving you.

    • Make sure the lender delivers to you the correct principal amount of the loan or actual loan amount. The lender is only permitted an upfront processing fees deduction of a loan approval fee of up to 10% of the principal amount.
    • Pay the loan instalments on time to avoid incurring late payment fees, additional interest rate and late interest.
    • Make sure the lender issues you a receipt every time you make any repayment of the loan amount towards your personal loan, and check it for correctness (e.g. name, amount, date).
    • Make sure you receive a statement of account for all your personal loans at least once every January and July and check it for correctness (e.g. name, amount, date); and
    • You should retain all statements of accounts and receipts of payments as documentation and evidence of payments.
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