Help & Support

For Singaporeans / PRs:

• Proof of identity (NRIC, passport)
• Proof of income (CPF / bank statements)

• Work Permit / S Pass / E Pass
• Proof of residence (Utility bills, phone bills, tenancy agreement, etc.)
• Payslips / bank statements

If you are an entrepreneur, taxi driver or is simply paid based on commission, do not worry. Credit 21 offers loans to you as well. All we need is your last two income tax returns so that we can calculate an average monthly earning amount which will help us determine the loan amount you qualify for.

Yes, you can!

While banks often turn away customers with bad credit scores, Credit 21 does not limit any possibility, and we welcome all credit scores to apply.

We evaluate each case individually and will do our best to understand each and every applicant’s situation.

If we find that your current financial situation is something within your means, we are happy to provide a loan to you.

We aim to help our borrowers regardless of their credit scores. This is why we do not have specific restrictions with regards to credit scores.

You can easily apply for a loan here.

Definitely no!

You are most definitely not obliged to commit to a loan after making an enquiry. You will complete your loan contract only if you are comfortable with everything.

Please feel free to connect with us via our live chat at the bottom right corner, or call us at 6221-1811.

Once you’ve signed the loan contract, you can receive your money in cash or cheque right on the spot at our office.

After your loan is approved, we will transfer the money to your bank account or pass you the entire principal amount that you’ve agreed upon on the spot.

Next, you just need to ensure to make punctual loan repayments, and that’s it!

Check the financial institution’s name against the list of licensed moneylenders created by the Ministry of Law.

If you’re looking for other telltale signs, a licensed money lender is NOT allowed to:

• Use texts / WhatsApp messages / calls to get you to sign up for a loan with them
• Approve of a loan remotely, without asking you to meet them at their place of business
• Ask you to pay any installment before receiving the actual loan money

• Business or consumer directories
• Their internet websites (please be aware of scammers impersonating themselves as licensed lenders)
• Shopfront and window decals where they conduct their business

Yes, you can!

We will always evaluate each case individually and try to understand the applicant’s situation. If we find that your current financial situation has improved, we will still provide a loan to you. Unlike most banks and lending companies, Credit 21 aims to help as many people as possible.

Over the past few years, more and more Singaporeans are taking up two or more loans. Statistics have shown that there was an increase of 78% of borrowers who have at least two mortgages and other loans. Most individuals have a home loan and a study loan. If you require more financial help, you can still apply for a loan.

At Credit 21, we are always willing and ready to help our customers. However, that does not mean that we will be irresponsible and force clients to take up huge loans that are tough to repay and end up straining their wallets further.

Credit 21 evaluates customers’ situations responsibly and will only loan an amount that is suitable or affordable for the clients.