Know exactly what you’ll pay.
Personal, foreigner and business loans from a licensed Singapore moneylender — clear rates, quick decisions, and a real person to talk to.
Estimate my instalment
A rough monthly figure before you apply — an illustration, not a quote.
Reducing-balance illustration at the 1–4%/mo range licensed moneylenders may charge. Excludes the one-time approval fee (up to 10% of principal), if charged. Not an offer of credit.
Serving since
Borrowers served
Response on working days
Ministry of Law
Choose the loan that fits your need
Unsecured loans for individuals and businesses, within the limits set by the Ministry of Law.
Personal Loan
Cash for personal needs — bills, medical, education or emergencies — with a repayment plan matched to your income.
Learn more →Foreigner Loan
For foreigners working in Singapore on a valid work pass — Work Permit, S Pass, Employment Pass or Long-Term Pass.
Learn more →Business Loan
Short-term working capital to cover operational needs or help grow your Singapore-registered business.
Learn more →Straightforward, responsible lending
Licensed & regulated
Registered with the Registry of Moneylenders, Ministry of Law. Licence No. 79/2026.
Transparent terms
Know your instalment, interest and fees before you sign — no hidden charges.
Fast response
Our loan officers aim to contact you within 1 hour on working days.
No hard selling
You’re never obliged to take a loan. We give honest advice and let you decide.
Your data stays private
Personal information is kept confidential — seen only by our loan officers and the checks the law requires. Full details in our Privacy Policy.
Central location
Complete your loan in person at our office in Lucky Plaza, Orchard Road.
How it works
Apply
Submit the online application or an enquiry — it takes a couple of minutes.
We call you
A loan officer contacts you within 1 hour on working days.
Visit our office
Bring your documents. We explain every term in person.
Receive your loan
Once approved and signed, disbursed — usually within 30 minutes.
Advance Cash grants every loan in person at our office, after proper checks — we do not finalise a loan over the phone, by SMS or by email.
Ready to get started?
Apply online in minutes, or speak with a loan officer for honest, no-obligation advice.