Payday loans are quick and convenient. You can easily apply for a loan because processing only takes a few minutes. Once you are approved, you will have instant cash in your bank account, which you can use in emergency situations or other purposes.

What makes payday loans different from other types of loans is that moneylenders don’t pay a lot of attention to a borrower’s credit score. Aside from that, payday loans have more flexible payment terms and lower interest rates. This is why you should only borrow money from six of the best payday loan lenders in Singapore.

Note: This list is strictly not in order.

1. Orange Credit

Image Credit: Orange Credit

Orange Credit is one of Singapore’s most trusted moneylenders with a mission to provide customers with professional, ethical, and trustworthy financial assistance to help ease different financial troubles. It is the company’s passion to become the leader in the money lending industry by ensuring excellent customer service and long-term partnerships with their customers. They started in May 2012 and has been a licensed moneylender under the Registry of Moneylenders.

Orange Credit is one of the best sources of payday loans in Singapore with hassle-free application procedures and almost instant approval. It is the company’s goal to provide all customers with the best solutions with their payday loans, which can give borrowers a financial boost to help them until the next payday. And with low-interest rates and shorter terms, you can be sure not to think about any financial worry.

Customer Reviews

Moben Huang

Staff is very professional and patient. They explained every details and make u understand. Not forceful. Staffs are genuine willing to help those who really need helps.

Angelia Tan

I am so happy that i got in touch with Orange Credit. I was serve by a lady called Grace. She is very helpful and details in explaining the loan and repayment to me. I have a good experience with them. If anyone is looking for a loan out there. You may contact them and their friendly team will assist you. Trust me! You will have a good experience with them. 🙂

Contact: +65 6748 2320
Location: City Plaza, 810 Geylang Road, #01-91, Singapore 409286
Opening Hours: Mon-Fri 11AM-3PM | Sat 11AM-3PM

2. A1 Credit

Image Credit: A1 Credit

A1 Credit started in 2009, providing loans to individuals and businesses. They are one of Singapore’s most trusted licensed and regulated moneylenders compliant with the Moneylenders Act. It is their commitment to providing better short-term loans for individuals and businesses that are in need of cash for emergency situations. They are passionate about being a leading lender by practicing responsible lending that puts customers in a better financial position. They believe in doing things right and being honest, consistent, and transparent.

A1 Credit is one of the best providers of payday loans. They work tirelessly to ensure every client is 100% satisfied with their products and services. They also endeavor in being a responsible lender by ensuring transparent and affordable rates and terms. All of this is to ensure that they always offer the highest quality of services and to be the number one moneylender in the city-state.

Customer Reviews

Fiza Safie

My 1st time with A1 Credit and I met Ms Loh.
Super kind, professional and patient officer.
Helped me to understand better with the loan process. Definitely recommended.

Erik Av

Second time for applying. all went very smooth and professional.Both occasions, the customer service  representatives were very friendly and explained all details.
16/08 update:  A1 has continuously supported  me whenever i needed extra cash to cover urgent expenses. All my applications were handled in a very quick and friendly manner. Thank you once again.

Contact: +65 6336 0833
Location: Havelock II, 2 Havelock Road #02-08, Singapore 059763
Opening Hours: Mon-Fri 11AM-8.30PM | Sat-Sun 11AM-5PM

3. Raffles Credit

Image Credit: Raffles Credit

Raffles Credit is one of the most trustworthy legal moneylenders in Singapore. They have been voted one of the Top 10 Best Moneylender 2020 on Loan Advisor. Today, they remain to be one of the most distinguished moneylenders that offer some of the best loan packages, including personal, business, monthly, foreigner, and payday loans. Over the last decade, they have helped thousands of Singaporeans during their most difficult times with the different financial services they offer.

Raffles Credit is one of Singapore’s best payday loan lenders. They were established in 2011 and has earned the reputation of being one of the most renowned lenders around. Their payday loans are guaranteed to have a fast approval in as fast as 30 minutes with easy repayment terms. With Raffles Credit, you can borrow up to a month’s worth of salary so you can pay your bills or other monetary emergencies on time.

Customer Reviews

Khairul Anuar

For a first timer, Joy has explain everything to me about the loans and such. Every was understandable. Very kind, fast and efficient service! Definitely will come back in the future.

Francis Fariz

Had a very good experience with Jane & Rachel! They were patience and understanding, and made things very simple for us for first time loaners. Definitely the best in Singapore! Would definitely return if I’m ever in need of a loan. 👍🏽

Contact: +65 6235 1788
Location: 17A Circular Road, Singapore 049373
Opening Hours: Mon-Fri 10.30AM-8PM | Sat-Sun 10.30AM-4.30PM

4. Trillion Credit Solutions

Image Credit: Trillion Credit Solutions

Trillion Credit Solutions is a professional licensed moneylender accredited by the Registry of Moneylenders. They are fully compliant with the Moneylenders Act as mandated and regulated by Singapore’s Ministry of Law. They have been incorporated since September 2010. They have a large roster of clients and have earned years of experience and knowledge in the money lending industry. Their products are guaranteed to have been painstakingly designed to provide immediate and responsible credit solutions to all clients who need financial assistance.

Trillion Credit Solutions is one of the best sources of payday loans here. Their dedication and commitment to providing only the best financial services that will help those who are in dire need of instant cash have allowed them to receive several recognitions and accolades, including Singapore’s Outstanding Enterprise in 2012 and 2013, as well as the Asia Pacific Entrepreneurship Award in 2014.

Customer Reviews

Gary Low

A very grateful thanks to Trillion credit for offering me a consolidation loan to help me up with another 4 money lenders. I was served by Ms Leila. She explained clearly on every details and make sure i understand before proceed. I was impressed by her professionalism that I rarely came across. Highly recommend Trillion credit to those who need help out there. Once again Thank u Ms Leila and team. 💯👍

Melissa Sailla Hafifi

Elaine is such a great loan consultant. She immediately settle my other 2 loans and gave me the best early repayment discount. I am also able to reloan with manageable installment plans. I am happy  to deal with her in Trillion because she makes me feel comfortable and not afraid to calculate together. Thank u Elaine!! 💌

Contact: +65 6509 0111 | +65 6222 0300
Lucky Plaza, 304 Orchard Road, #02-12, Singapore 238863
People ‘s Park Centre, 101 Upper Cross Street, #01-26/26A, Singapore 058357
Opening Hours: 10AM-7PM

5. Fast Money

Image Credit: Fast Money

Fast Money is one of the most dedicated moneylenders in Singapore offering fast and easy financial assistance to those who are looking for instantaneous solutions to their monetary problems. They offer a wide range of financial services, including personal, instant cash, business, monthly, fast cash, foreign, wedding, and payday loans. They are a licensed and legal moneylender that offers quick cash loans with highly competitive interest rates. It is also their guarantee that application procedures are quick and easy provided that you have the necessary verification documents.

Fast Money is one of the best providers of payday loans. When you apply for a loan with them, they will make sure to understand your unique needs and requirements to help you achieve your goals. They take pride in being a responsive lender that listens to their customers to better help them. On top of that, they have a stress-free repayment term ideal for emergency financial situations.

Customer Reviews

Sheera Sudan

Fast and Efficient. Friendly and warm welcome from staffs. Highly recommended. 👍

Yusoff Muhammad

The staff clearly explain and ensure that you understand the risk before you take a loan.

Contact: +65 6224 4746 | +65 6224 4749
Block 101, Yishun Avenue 5, #01-35, Singapore 760101
505 Tampines Central 1, #01-341, Singapore 520505
Opening Hours: 12PM-8PM

6. Bugis Credit

Image Credit: Bugis Credit

Bugis Credit has been providing excellent financial services in Singapore since 2007. They are one of the most reputable legal moneylenders as shared in Loan Advisor and Google Review. With 13 years in the business, customers can rest assured that they will receive only the best services and most reasonable interest rates and repayment programs. Bugis Credit is registered with the Ministry of Law and follow all relevant laws stipulated by the Moneylenders Act. This means that you can have peace of mind knowing that you are in good hands when you apply for a loan with them.

Bugis Credit is one of Singapore’s best lenders that offer payday loans with affordable interest rates and flexible repayment terms. You can also apply for an unsecured loan without the need for a guarantor. Plus, you can take out a payday loan even with a bad credit.

Customer Reviews

Lene Skl

Thank you Bugis Credit Albee for the fast response. She was patient and explain all the details required. Really nice to loan with them.


Reliable, efficient and comfortable. Great service and hosting of customers. The experience from entering the office to settling the administrative loan was welcoming and smooth.
Albee, thanks for making my visit effortless n ease. You have exhibited great devotion of professionalism and customer care.
Keep up the great work Bugiscredit.

Contact: +65 6345 9123
Location: Bugis Cube, 470 North Bridge Rd, #02-12, Singapore 188735
Opening Hours: Mon-Fri 11AM-8PM | Sat-Sun 11AM-5PM


For unexpected emergencies where you need instant cash, thankfully, there are moneylenders that offer payday loans that you can use. Payday loans are short-term loans that can help you solve any immediate financial troubles almost instantaneously.

Call one of the six best payday loan providers in Singapore to save time and effort looking for one.