- Mon - Sat : 10am to 7pm (Sun & Public holidays - Appointment Only)
- 35 Selegie Road #10-27 Parklane Shopping Mall Singapore 188307
Legal loans and fast cash support in Singapore from a Ministry of Law-licensed moneylender (Licence No. 141/2025), trusted since 2010.
Established in 2010, Unilink Credit is one of the leading licensed money lenders in Singapore, offering a variety of loan packages, including personal loans, payday loans, foreigner loans, and business loans. We are licensed by the Singapore Registry of Moneylenders and are a member of the Moneylender Association of Singapore.
As a trusted money lender in Singapore, we encourage every borrower to take only what they can comfortably repay. Before accepting a loan with us, take time to review the interest rate, applicable fees, repayment schedule and other terms in your loan contract , and only proceed once you’re confident you can meet your repayment obligations. If you’re ever unsure, our loan officers are available to walk you through the terms before you sign.
We provide tailored loan packages to suit different financial situations, whether you’re covering personal expenses or managing business growth. For entrepreneurs, our small business loans offer flexible support to keep operations running smoothly. Choose from our services below and find the solution that works best for you.
Fast personal loans in Singapore with low interest and flexible repayment options.
Legal loans in Singapore for foreigners holding a valid work permit or S Pass, subject to eligibility and assessment.
Short-term payday loans in Singapore with transparent interest rates ; intended for occasional, short-term needs, and subject to the same eligibility assessment and regulated rate caps as our other loans.
Fast business loans in Singapore to support working capital and expansion needs.
When it comes to finding a trusted money lender in Singapore, we stand out for our commitment to service, speed, and flexibility. Whether you need a legal loan in Singapore for urgent expenses or planned investments, our approach ensures you get the right package, one that’s fast, secure, and tailored just to you.
As a licensed money lender in Singapore, our team of experienced loan officers assesses every application carefully, explains your loan terms clearly, and guides you through the required documentation from start to finish.
We handle every application and supporting document in line with our Privacy Policy, using your personal information only to assess and process your loan application.
Repayment arrangements are discussed with our loan officers and set out in your loan contract, subject to assessment and the applicable regulations for licensed moneylenders.
Unilink Credit offers financing solutions with transparent and competitive interest structures for borrowers seeking legal personal loans. The maximum rate a licensed money lender may charge individual borrowers is currently set at 4% per month on a reducing-balance basis; our rates start from 1% per month*, depending on your profile, repayment period, and loan assessment. Every rate is confirmed in writing before you sign.
*Terms and conditions apply
Before accepting any loan, look beyond the advertised monthly rate; check the total repayment amount, including interest, administrative fees, late interest and any late fees, so you know exactly what you’ll repay over the full loan tenure.
From 15 September 2026, if you take an unsecured loan with us other than a business loan, you have a mandatory 3-business-day cooling-off period during which you may cancel the loan. No interest is charged if you cancel within this period, though we may retain part of the loan approval fee already charged, as set out under the Ministry of Law’s rules.
Since 2010, Unilink Credit has supported thousands of borrowers through accessible and regulated financing solutions. Over the years, the company has disbursed more than $89,000,000 in loans across various financing categories, reflecting its ongoing role as a trusted money lender in Singapore for individuals seeking reliable short-term financial support.
We’ve made it simple to get the financial help you need ; here’s exactly how the process works with a licensed money lender in Singapore.
Complete our application form online or in person, providing your basic personal and loan details.
Submit your identification and income documents, such as your NRIC and recent payslips or CPF contribution records, for verification.
We assess your application based on your eligibility, documentation and other applicable requirements.
You’ll receive your loan contract to review, including the interest rate, applicable fees and repayment schedule, before you decide whether to proceed.
As required of all licensed moneylenders, you’ll meet one of our loan officers in person at our office for identity verification before your funds are disbursed via PayNow, bank transfer or cash.
Before taking a loan, a few checks can help you avoid an unlicensed or predatory lender.
Always verify that a lender is on the Ministry of Law’s official list of licensed moneylenders in Singapore before applying.
A licensed moneylender is not allowed to advertise unsolicited loans by SMS, ask for your SingPass user ID or password, retain your NRIC or other identity documents, ask you to sign a blank or incomplete loan contract, or withhold any part of your approved loan amount.
Licensed moneylenders are restricted in how they may advertise, so treat any unsolicited loan offer by SMS or messaging app with caution.
Unilink Credit is conveniently located in Parklane Shopping Mall along Selegie Road, making it easily accessible to borrowers seeking assistance with legal loans in Singapore. The central location allows clients to visit for consultations, applications, and loan enquiries with ease.
Our office is situated near several MRT stations, including Bencoolen, Bras Basah, and Rochor MRT, providing convenient access from different parts of the city. This makes it easier for customers to reach our office using public transport.
Located near well-known landmarks such as GR.iD, The Cathay, and Plaza Singapura, Unilink Credit is positioned within a familiar and accessible area in central Singapore for added convenience during your visit.
Here are answers to some of the most common questions about our loan services, eligibility, and repayment schemes to help you make an informed decision before applying.
You can verify whether a lender is licensed by checking the official Registry of Moneylenders guide. This ensures that you are dealing with an approved and regulated provider.
A legal loan in Singapore comes from a lender that is regulated and listed under the Registry of Moneylenders. In contrast, unlicensed moneylenders are illegal and often use unethical practices, putting borrowers at risk.
For Singaporeans/PR
For Foreigners
Your loan can be approved upon submission of a written application at our premises, once you have met the income criteria. If you’re looking for quick financing options, our fast business loan packages in Singapore are available to provide timely support. We also offer a personal loan tailored for individuals who need flexible funding for both personal and professional needs.
Funds are usually disbursed soon after approval. For urgent needs, our fast loans in Singapore allow you to access cash within a short time.
On a case-by-case basis, we will do our best to come up with a loan package that best suits your needs and circumstances.
If you do have any other enquiries, please feel free to contact us or call us directly at 6338 0690.
Stay updated with insights, news, and tips on financial matters. Our blog covers topics from industry updates to practical advice on borrowing from a licensed money lender in Singapore.
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Need help finding the right solution? Our team is ready to guide you through the process. Fill out the form, and we’ll respond promptly.
We pride in being one of the most trusted Money Lender in Singapore, and we invite you to call us for any unique loan request in the city. Our business is duly licensed and the services we offer are all regulated by the Registry of Moneylenders.
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