24 Hours Loan Applications | Chinatown Money Lender

1. Fill out the consent form and sign the loan application form in the office. Alternatively, you may also apply online through our website. As a 24 hours money lender in Singapore with loan applications round-the-clock, you can apply with us any time.
2. Credit checks will be done on your income documents.
3. We will then do a Credit Assessment and short interview with you to better understand your needs.
4. We will discuss the loan amount and repayment terms with you.
5. Once your loan is approved, the loan officer will walk you through the contract details to ensure that you understand the terms and conditions of the loan contract.
6. You can then sign the loan contract once you are agreeable to the terms.
7. The entire loan application process will take less than 30 minutes. Funds will be disbursed either via cash or Paynow instantly.

We’re a loan company in Singapore that offers interest rates from 2.5-4%* per month for personal loans and 4-8%* per month for business loans. Our processing fee is around 5-10%* of your approved principal loan amount.

*T&Cs apply

You must be at least 21 years old, below 65 years old and meet the following income criteria:

Loan Terms:

1. Interest rates
   There is a possibility of reduced interest rates for regular and long term clients.
2. Repayment terms
   We can provide longer repayment terms so that clients are comfortable with their monthly installments.
3. Loan amount
   We can provide a higher loan amount for clients who need it for various reasons based on their long standing relationship with us.

Processing fees/time:

1. Processing time and approval speed
   You can get your loan approved within 15 mins.
2. Processing fees
   You might get a discount on the processing fee.

Other perks:

1. Free credit report and statement of account (SOA)
   We provide a free credit report from Credit Bureau Singapore to all regular clients so that they can monitor their own credit health status. We also provide statements of account (SOA) to clients so they can keep track of their outstanding repayment amount.
2. Late charges
   A grace period is given to regular clients if there is late repayment, so they can avoid late charges.
3. Payments
   We also provide payment due date reminders and customized payment due dates. 
4. Opening hours
   We are happy to arrange for special opening hours to assist our regular clients who need access to urgent cash.
5. Early settlement
   We allow our regular clients to prorate their interest rates in the event of early settlement of loans.
6.  Payday loan
   You may qualify for a payday loan at 0% interest rate.
7. Special loan scheme
   Our loan officers are able to arrange a special loan scheme for those in debt.
8. Financial planning
   We provide professional advice on financial planning on how to manage your debts wisely.
9. Second loan application
   Our regular clients may qualify for a second loan after careful consideration by our loan officers.
10. Approval rate
    For clients with good credit history, you will likely get a higher approval rate for all loan requests.
11. Dedicated loan specialist
    We have a team of professional and dedicated loan specialists waiting to serve you for all your financial needs.
12. Live repayment updates
    We provide live repayment updates on a regular basis to allow clients to manage their finances in a timely manner.

*T&Cs apply

Yes you can still apply. However, bad credit may affect your loan terms such as interest rates and repayment terms.

Talk to our loan officer today for competitive interest rates with flexible repayment terms.