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Licensed Moneylender
in Singapore
Clear terms. Transparent fees. Responsible borrowing.
Loan services for Singapore citizens, permanent residents, and eligible Employment Pass or S Pass holders. All applications are subject to assessment.
- Verify our licence
- Transparent Fees
Prompt
Application review
Subject to assessment
Plan Before You Borrow
Consider your budget and existing commitments before applying. Borrow only what you need and can comfortably repay.
Estimate Your Repayments
Use the calculator to explore repayment estimates. Figures are illustrative, may exclude fees and are not a loan offer. Your actual rate, fees and repayment schedule will be explained before you accept a loan.
Estimated monthly repayment
S$572.29
- Total instalments
- S$3,433.71
- Total interest
- S$433.71
- Upfront fee
- S$300.00
- Amount received after fee
- S$2,700.00
Illustration based on equal monthly instalments and interest on the reducing principal balance, with payments made on time. The example rate and fee are assumptions, not an offer. Figures are rounded; the final instalment may differ. Late charges and any court-ordered costs are excluded. Actual approval, repayment structure, interest and fees will be explained in your loan agreement.
Understand the Loan Process
See what happens after you submit an enquiry. Every application is assessed, and an in-person visit to our approved office is required before a loan can be granted.
Simple Steps to Apply
From your first enquiry to reviewing the agreement, our team will explain the next steps and answer your questions.
1. Submit an enquiry
Complete the online form with your contact details and loan requirements. Submitting a form does not guarantee approval.
2. Application review
Our team reviews your details and supporting documents, and contacts you about the next steps.
3. Visit our office
Attend face-to-face identity verification at our approved office. Review the interest, fees and repayment schedule before signing.
4. Receive your funds
If approved and you accept the agreement, receive your funds and keep a copy of your loan contract.
Borrow with clarity
Answers Before You Borrow
Understand your borrowing limit, prepare for your office visit and review your rights before deciding.
How much can I borrow?
Start with your budget. The legal maximum is a ceiling across licensed moneylenders, not a guaranteed offer from each lender.
Check unsecured borrowing limits
- Citizens and PRs earning below S$20,000 a year: up to S$3,000.
- Foreign residents earning below S$10,000: up to S$500; S$10,000 to below S$20,000: up to S$3,000.
- Annual income of S$20,000 or more: up to six times monthly income.
Existing borrowing counts towards the limit. Approval and the amount offered depend on assessment. Keep room for living costs and unexpected expenses.
What documents should I prepare?
Confirm your checklist with our team before visiting. Requirements depend on your circumstances.
View the preparation checklist
- Identification and a valid work pass, where applicable.
- Recent proof of income and employment.
- Proof of residential address, if requested.
- Existing loan balances, repayment dates and household commitments.
Ask which records are accepted if you are self-employed or recently changed jobs. An in-person visit to our approved office is required before a loan can be granted. Keep passwords and one-time codes private.
Can I cancel after borrowing?
Ask about cancellation before accepting a loan, alongside the interest, fees and full repayment schedule.
Understand the cooling-off period
Qualifying unsecured loans disbursed from 15 September 2026 have a three-business-day cooling-off period. Business loans are excluded. Do not count the disbursement day, weekends or Singapore public holidays.
Repay the remaining net amount received plus the permitted retained approval fee, with no interest. The retained fee is capped at S$50 for principal up to S$5,000, or 3.5% above S$5,000, and cannot exceed the fee paid. Total repayment cannot exceed the original principal.
Contact the lender promptly to confirm the amount, deadline and steps needed to complete cancellation. Sending a message alone may not complete it.
Explore more borrowing guides →
Updated 7 November 2026. Refer to the Registry of Moneylenders for the latest rules.
Request a Loan Assessment
Tell us what you need and how to contact you. Our team will explain the documents and next steps. Submitting this form does not guarantee approval.
Our Loan Services
Explore flexible loan services for Singapore Citizens, PRs, and eligible Employment Pass or S Pass holders.
Personal loans for everyday expenses and short-term financial needs, with clear repayment terms.
Short-term loans to help manage essential expenses before your next payday.
Loan applications considered individually, subject to assessment of your circumstances and ability to repay.
Loan options for urgent expenses, with clear terms and applications subject to assessment.
Loan options for wedding expenses, with repayments to consider alongside your household budget.
Loan options to help manage healthcare costs and unexpected medical expenses.
Loan options for travel expenses. Consider the total repayment cost before borrowing.
Short-term financing to help manage a temporary cash flow gap, subject to assessment.
Explore combining existing debts into one repayment plan, subject to assessment and loan terms.
Trusted by Hundreds of Singapore Borrowers
Read real experiences from Singapore residents who trusted Moneyplus Capital for transparent loan services and responsive customer support.
Why Choose Moneyplus Capital
Clear information, individual assessment and support throughout the application process.
Licensed & Regulated
Licensed by the Singapore Ministry of Law with transparent lending practices.
Fast Processing
Quick loan application review and responsive borrower support for eligible applicants.
Transparent Terms
Clear repayment structures with no hidden fees or misleading conditions.
Trusted Support
Professional assistance focused on responsible and customer-friendly service.
Frequently Asked Questions (FAQ)
Common questions about licensed moneylending services in Singapore.
Who can apply for a loan?
Singapore Citizens, Permanent Residents (PRs), and eligible Employment Pass (EP) or S Pass holders may apply, subject to assessment. Work Permit holders are not accepted.
How much can I get?
Your eligible amount depends on your income, existing borrowing and our assessment. Statutory limits for unsecured loans apply across all licensed moneylenders, not separately to each lender. See the Registry of Moneylenders’ borrowing guide for the current limits.
What do I need to apply?
Your NRIC, proof of income, and address for proof of residence.
How fast can I get approved?
Review times depend on your documents and individual circumstances. Approval is not guaranteed. Before a loan can be granted, you must attend our approved office for face-to-face identity verification and an explanation of the loan terms. The process cannot be completed entirely online.
How do I know if a lender is licensed?
Check the official list of licensed money lenders online (Ministry of Law) to verify their licence numbers. Please note: Moneyplus (without “.com.sg”) is not affiliated with us. Only Moneyplus Capital Pte Ltd (moneyplus.com.sg) is a licensed money lender in Singapore registered under the Ministry of Law.
Are licensed moneylenders safe to deal with?
Licensing does not remove the risks of borrowing. Verify the lender using the official Registry list, check all costs and borrow only what you can repay. Never share your Singpass password or sign a blank loan contract.
What if I cannot repay my loan?
Contact us as early as possible to discuss your circumstances. Do not ignore missed payments or assume that another loan will solve the problem. Late charges may apply under your agreement. Consider independent debt counselling if repayments are becoming difficult to manage.
Can I borrow from multiple moneylenders?
Unsecured borrowing limits apply to your combined borrowing across all licensed moneylenders. Each application remains subject to assessment. Consider your total monthly repayments before taking on additional debt.
How do I choose a licensed moneylender in Singapore?
Verify the licence, business address and website against the official Registry list. Compare the total cost, fees and repayment schedule, and ask for terms to be explained in a language you understand. Take time to decide whether the loan is affordable.
Ready to Explore Loan Options in Singapore?
Speak with our team about eligibility, required documents and repayment terms before deciding whether to apply.