The No.1 Licensed Money Lender in Singapore with one of the Lowest Interest Rates and Friendly Staff

Credit 21 Licensed Money Lender is a legal and reputable money lending company in Singapore. We provide a variety of tailored financing solutions to those in need of quick and convenient cash.

Many people often encounter financial difficulties and are unable to access quick funds due to issues such as borrowing rules, bad credit history and long approval times. Here we are sensitive to the needs of our clients in getting fast access to emergency cash.

Our operations are regulated by the Registry of Moneylenders in Singapore. Our repayment plans and interest rates adhere to the standards set by Moneylenders Act and Rules. Therefore all our clients enjoy one of the best financial services provided in the city.

You can rely on us for transparency, fairness and convenience when it comes to quick financing. Our customer service team is ready to respond to all of your questions, and our online application can get you one-step closer to getting the financial assistance you need.

Why Choose Us?

Get quick cash – Banks often have lengthy application and approval steps, and it may take several weeks before your loan is approved. With a simple application process and proof of identification, Credit 21 aim to get you the money you need within the shortest time possible.

You can use this money to pay off your rent, medical bills, replace damaged equipment, pay your tuition fees, among many other things. Not to worry, Credit 21 aligns our operations with the requirements of the Moneylenders Act and Moneylenders Rules.

Consolidate debt – We can help you improve your debt profile by consolidating your debt and funding a single payment. Rather than dealing with 5-8 loan companies, we can offer you a single loan to finance all your debts so you are left with one easy payment to make each month. This can greatly improve your credit score.

Maintain credibility with friends, family and colleagues – Most of the time when we encounter financial difficulties, we will turn to the ones closest to us for help. However, constantly borrowing money from friends, family or employers can lead to strained relationships. Let us handle your financial burden and keep it confidential so you can maintain a good relationship with those close to you.

Easy eligibility – We do not determine your ability to repay the loan based on your credit history, but on your current income. It does not matter how bad your credit history is. As long as you have a steady employment with proof of income, we can work out a payment plan that is within your reach.

In case you decide to reject the loan after approval, we are pleased to tell you that there will be no penalties, and you are free to borrow from us again in future. Trust us to deliver on our promises and give you the best.

Our Mission

Life may thrust you into trying situations that are beyond your financial abilities. At this point, you have little choice but to source for external help. You can turn to family or friends, but this is not a sure thing because everyone has their obligations to worry about and they may not be in a position to help. In addition, this can be very stressful since you may have to go to more than one person to raise the full amount of money you need.

Offering licensed money lending services in Singapore for many years, we have honed down our skill to a tee, and our top priority is to be able to give you fast and efficient service regardless of your emergency or needs. Whether you need to fix your car, settle a small medical bill, pay for school or just take care of bills before they are overdue, our loans packages are available to give you the solutions you are looking for.

We at Credit 21 also understand the need of an efficient solution, especially when you are lost of what to do next. We conduct only the required credit checks which is much less of a hassle than most financial institutions that takes a lot of time, and excludes people with a poor credit score from getting financial assistance if they are facing difficult financial circumstances.

High level of Integrity makes us Different

We are here to stay. Therefore we adhere to the strict code of ethics when it comes to our dealings with our customers. We do not have any hidden costs and charges, which is what has elevated us to one of the TOP in our business. In other words, if it’s there on the contract, we’re going to tell you all about it and explain before you sign it. You won’t find any surprises in the fine-print.

Our application forms are simple and to-the-point, unlike banks where you fill in countless forms at every stage and have to wait for weeks before you know whether or not your loan has been approved. We also pride ourselves as a true genuine money lender that only offer you sound financial advice that you can walk away with.

We need you to be sure of the terms and conditions, and you will be professionally advised on how much you are borrowing is something you can afford. We do not want to lend you money without a care of how you will pay it back, as that is against our principles.

Our tailor-made loan services

We offer customized loans packages and flexible monthly repayment installments that will work into your budget.