SOON SENG CREDIT

Fast Cash & Easy Money Loans Singapore

Get instant access to customized money loans with affordable interest rates.

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Why Soon Seng is your best go-to money lender in Singapore

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One of the highest number of 5-star
Google reviews in Singapore
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Value and care for all customers
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Flexible and transparent process
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27 years in the money lending industry
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Maintain long term relationship with customers
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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
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Affordable monthly repayments
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Highly qualified and dedicated team
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Tailor-made repayment plans depending on your needs and repayment capability
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Apply now

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 1871 reviews
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Frequently Asked Questions

  1. Fill up the consent form and sign the loan application form in the office.
  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 with you the loan amount and repayment terms.
  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 have understood the terms.
  7. 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:

  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.

Looking for easy money loans in Singapore?

Our professional loan officers are just a call away for all your financial needs