SOON SENG CREDIT
Fast Cash & Easy Money Loans Singapore
Get instant access to customized money loans with affordable interest rates.
Why Soon Seng is your best go-to money lender in Singapore
One of the highest number of 5-star
Google reviews in Singapore
Google reviews in Singapore
Value and care for all customers
Flexible and transparent process
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27 years in the money lending industry
Maintain long term relationship with customers
No need for guarantors for high loan amount
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No false hope – we give you realistic advice and actionable plan to help you
Affordable monthly repayments
Highly qualified and dedicated team
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Tailor-made repayment plans depending on your needs and repayment capability
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Personal Loan
Payday Loan
Business Loan
Debt
Consolidation Loan
Grab/Gojek Loan
Wedding Loan
Renovation Loan
Bridging Loan
Medical Loan
Study Loan
Personal Loan
Business Loan
Grab/Gojek Loan
Renovation Loan
Bridging Loan
Payday Loan
Debt
Consolidation Loan
Wedding Loan
Medical Loan
Study Loan
We customize our easy loan and repayment terms according to your needs and budget.
5.0Based on 2380 reviews
23 November, 2023
3 December, 2023
10 October, 2023
25 September, 2023
8 August, 2023
Frequently Asked Questions
- Fill up the consent form and sign the loan application form in the office.
- Credit checks will be done on your income documents.
- We will then do a Credit Assessment and short interview with you to better understand your needs
- We will discuss with you the loan amount and repayment terms.
- 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.
- You can then sign the loan contract once you have understood the terms.
- The entire loan application process will take less than 30 minutes. Funds will be disbursed either via cash or Paynow instantly.
Our interest rates are 2.5-4%* per month for personal loans and 4-8%* per month for business loans. Processing fee from 5-10%*. *T&Cs apply
You must be at least 21 years old, below 65 years old and meet the following income criteria:
Minimum annual income | Singapore Citizens and Permanent Residents | Foreigners residing in Singapore |
Less than $10,000 | $3,000 | $500 |
$10,000 and <$20,000 | $3,000 | $3,000 |
$20,000 and more | 6 times of monthly income | 6 times of monthly income |
Loan Terms:
- Interest rates
There is a possibility of reduced interest rates for regular and long term clients. - Repayment terms
We can provide longer repayment terms so that clients are comfortable with their monthly installments. - 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:
- Processing time and approval speed
You can get your loan approved within 15 mins. - Processing fees
You might get a discount on the processing fee.
Other perks:
- 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. - Late charges
A grace period is given to regular clients if there is late repayment, so they can avoid late charges. - Payments
We also provide payment due date reminders and customized payment due dates. - Opening hours
We are happy to arrange for special opening hours to assist our regular clients who need access to urgent cash. - Early settlement
We allow our regular clients to prorate their interest rates in the event of early settlement of loans. - Â Payday loan
You may qualify for a payday loan at 0% interest rate. - Special loan scheme
Our loan officers are able to arrange a special loan scheme for those in debt. - Financial planning
We provide professional advice on financial planning on how to manage your debts wisely. - Second loan application
Our regular clients may qualify for a second loan after careful consideration by our loan officers. - Approval rate
For clients with good credit history, you will likely get a higher approval rate for all loan requests. - Dedicated loan specialist
We have a team of professional and dedicated loan specialists waiting to serve you for all your financial needs. - 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.