Help and Support

Yes. Credit 21 is a licensed moneylender in Singapore and is listed in the official Registry of Moneylenders under the Ministry of Law. Borrowers should always verify a lender’s business name, licence details and office address through the Registry before applying.

You can start your loan application online. If eligible for in-principle approval, you will still need to visit our office at 10 Anson Road, #01-07 International Plaza, Singapore 079903, near Tanjong Pagar MRT Exit C, for identity verification, contract explanation and signing before funds can be disbursed.

You should check the lender’s business name, licence details and office address against the official Registry of Moneylenders under Singapore’s Ministry of Law.

A licensed moneylender is not allowed to:

• Use SMS, WhatsApp messages or calls to solicit loans
• Approve a loan fully without meeting you at their approved place of business
• Ask you to pay fees before you receive the actual loan money
• Ask for your Singpass password or retain your personal identity documents

Licensed moneylenders can only advertise through approved channels, such as:

• Business or consumer directories
• Their official website
• Advertisements placed at or within their approved business premises

If you see loan offers claiming to be from Credit 21 through random SMS, WhatsApp, social media messages or online ads, treat them as suspicious and avoid sharing your personal details.

Borrowers choose Credit 21 because they can start their loan application online through Singpass MyInfo for faster data verification, with in-principle approval as fast as within 1 hour, subject to assessment and complete information.

After the online application, borrowers can visit our Tanjong Pagar office at International Plaza for face-to-face verification, document checks, loan contract explanation and signing before disbursement.

Our professional loan officers provide clear guidance throughout the application process, helping borrowers understand the next steps before they decide whether to proceed.

Credit 21 assesses each application based on the borrower’s income, existing financial commitments and repayment ability. This helps ensure that the loan amount offered is suitable for the borrower’s current situation.

Our team will explain the repayment schedule, interest rate, applicable fees and total repayment amount before signing, so borrowers can review the loan terms carefully.

Borrowers are encouraged to borrow only what they need and can repay comfortably.

Yes. Credit 21 Pte Ltd is officially listed on the Registry of Moneylenders under the Ministry of Law Singapore. You can verify our licence status directly on the MinLaw website before applying.

Singapore Citizens, Permanent Residents and foreigners working in Singapore may apply, subject to eligibility checks and assessment.

Credit 21 will review your income, employment status, existing commitments and repayment ability before confirming whether a loan can be offered.

Yes, you may still apply. If you are self-employed, commission-based, a taxi or private-hire driver, or running your own business, Credit 21 will assess your application based on your available income records and repayment ability.

You may be asked to provide supporting documents such as income tax records, bank statements or other proof of regular income. Approval and loan amount are subject to assessment.

Yes, you may still apply. Credit 21 reviews each application based on your current income, repayment ability, existing commitments and overall financial situation.

Borrowers with lower credit scores or outstanding loans may still be considered, but approval and loan amount are subject to assessment. We encourage borrowers to take up only what they can repay comfortably.

You can apply for a loan here.

Yes, you may still apply if you already have an existing bank loan. However, Credit 21 will assess your income, current commitments and repayment ability before offering any loan amount.

We aim to provide responsible loan options and will only recommend an amount that is suitable and manageable for your situation.

There is no strict minimum income threshold to apply. However, your income level affects the maximum loan amount you are eligible for under Ministry of Law guidelines. Borrowers with annual income below S$20,000 may borrow up to S$3,000 (for Singapore Citizens and PRs) or S$500 to S$3,000 (for foreigners, depending on income). Those earning S$20,000 and above may borrow up to 6 times their monthly income.

Credit 21 will assess your repayment ability based on your income documents before confirming any loan offer.

Credit 21 offers different loan options to support various financial needs, subject to eligibility, assessment and approval.

• Personal loan: for everyday expenses.
• Instant fast cash loan: for urgent cash needs.
• Debt consolidation plan: to combine repayments.
• Bad credit loan: for lower credit scores.
• Business loan: for business cash flow.
• Renovation loan: for home renovation costs.
• Foreigner loan: for eligible work pass holders.
• Wedding loan: for wedding expenses.
• Payday loan: for short-term salary gaps.

If you are unsure which loan type suits your situation, you can apply online or contact Credit 21 for guidance before proceeding.

Your borrowing limit depends on your residency status and annual income. For unsecured loans, licensed moneylenders in Singapore follow these Ministry of Law limits:

Your final approved amount may be lower, depending on your documents, existing commitments and repayment ability.

For Singapore Citizens and Permanent Residents:

• Proof of identity, such as NRIC or passport
• Proof of income, such as CPF records or bank statements

For foreigners working in Singapore:

• Valid Work Permit, S Pass or Employment Pass
• Proof of residence, such as utility bills, phone bills or tenancy agreement
• Recent payslips or bank statements

Additional documents may be requested depending on your application, income source and verification requirements.

No. Making an enquiry does not mean you have to commit to a loan.

You should only proceed if you are comfortable with the approved loan amount, repayment schedule, interest rate, applicable fees and contract terms. Our team will explain the details clearly before signing.

You may contact us through live chat or call 6221 1811 if you need help.

Funds may be disbursed after your application is approved, your documents are verified, and the loan contract has been explained and signed at our office.

Same-day disbursement may be available, subject to approval, verification and completion of all required checks. You can visit us at our office for assistance.

After your loan is approved, our team will explain your approved loan amount, repayment schedule, interest rate, applicable fees and contract terms.

Once the contract is signed and all checks are completed, funds may be disbursed through the agreed method. You will then need to follow the repayment schedule stated in your loan agreement.

No appointment is needed. You are welcome to walk in to our office at 10 Anson Road, #01-07 International Plaza, Singapore 079903 during operating hours (Monday to Saturday, 11am to 8pm).

However, completing your online application before visiting will help speed up the verification and approval process. You can apply online here before heading down.

You can start your loan application online, including submission through Singpass MyInfo where available. However, licensed moneylenders in Singapore must meet borrowers in person at their approved place of business for identity verification before granting a loan. The loan contract must also be explained before signing and disbursement.

No. You should never share your Singpass ID, password or OTP with anyone. Credit 21 may use Singpass MyInfo to help with application data retrieval, but you should complete the login securely yourself. Do not continue if anyone asks you to reveal your Singpass login details.

Credit 21’s Privacy Policy states that personal data is processed in accordance with Singapore’s Personal Data Protection Act (PDPA). It describes administrative, physical and technical safeguards, including access controls, encryption, software security measures and regular security reviews.

Only use Credit 21’s official website when submitting a loan application. Complete any Singpass MyInfo login yourself and never share your Singpass password or OTP. Review the full Credit 21 Privacy Policy and Data Protection Notice before providing personal information.

Depending on your interaction with Credit 21, personal data can include your identity and contact details, residential address, employment information, financial information and loan information.

The Privacy Policy states that this data can be used to verify your identity, assess and administer your application, respond to enquiries, process transactions, manage your relationship with Credit 21 and comply with legal or regulatory requirements. It also explains when information can be disclosed to service providers, agents or relevant authorities for those purposes.

Yes. Credit 21’s published Privacy Policy identifies a Data Protection Officer (DPO) for personal-data enquiries and requests. You can contact the DPO to request access to or correction of your personal data, or to withdraw consent with reasonable notice.

Use the current DPO contact details published in the Privacy Policy. Legal exceptions apply, and withdrawing consent can affect Credit 21’s ability to continue providing a service.

Licensed moneylenders in Singapore must follow the cost limits set by the Ministry of Law. The maximum interest rate is up to 4% per month, while late interest is capped at up to 4% per month on the overdue amount only.

• Late fee: Up to S$60 for each month of late repayment
• Admin fee: Up to 10% of the loan principal when the loan is granted
• Total cost cap: Total interest, late interest, admin fee and late fees cannot exceed the loan principal

Credit 21 will explain your approved loan amount, repayment schedule, interest rate and applicable fees clearly before you sign the loan contract.

Before signing, check that you understand the approved loan amount, interest rate, repayment schedule, due dates, late fees, admin fee and total repayment amount.

Confirm that the monthly repayment is manageable based on your income and existing financial commitments. You should also check that your personal details and loan terms are correctly stated in the contract.

If any term is unclear, ask our loan officer to explain it before you sign. Do not proceed until you are comfortable with the loan agreement.

If you are facing difficulty with repayment, contact Credit 21 as early as possible. Late repayment may result in late interest and late fees, which can increase your overall repayment amount.

Our team can review your situation and advise you on the next steps based on your loan agreement. Avoid ignoring repayment issues, as this may create further financial stress.

No. Licensed moneylenders in Singapore are not permitted to charge any upfront fees before a loan is granted. If a lender asks you to pay a fee before receiving your loan, this is a scam warning sign. Do not proceed.

Credit 21 only charges the administrative fee (capped at 10% of the loan principal) after your loan has been approved and disbursed. There are no fees for enquiries, applications or rejected applications.

Credit 21 is located at 10 Anson Road, #01-07 International Plaza, Singapore 079903, beside Tanjong Pagar MRT Exit C and close to Maxwell MRT.

If you need help finding our licensed money lender office in Tanjong Pagar, call 6221 1811 and our team will be happy to assist.

Credit 21 is open from Monday to Saturday, 11am to 8pm, and is closed on Sunday and public holidays.

You can still submit an online loan application anytime. Our team will follow up during operating hours.

Take Exit C from Tanjong Pagar MRT (EW15). Walk straight along Anson Road. International Plaza is immediately on your left. The walk takes approximately 1 minute.

You can also reach us from Maxwell MRT (TE18) via Neil Road in approximately 10 minutes on foot, or from Raffles Place MRT by taking one stop on the EW line to Tanjong Pagar.

If arriving by car or Grab, drop off at International Plaza, 10 Anson Road. Basement parking is accessible via the Anson Road entrance.