Your Trusted Licensed Money Lender in Singapore

Licensed by the Ministry of Law – Fast Cash – Transparent Terms

Need urgent cash? At Orange Credit, we make borrowing simple, legal, and stress-free. We’re a MinLaw-approved licensed money lender in Singapore offering fast approvals, flexible repayment plans, and a 14-day interest-free grace period for new clients.

✅ Licensed by Ministry of Law (License No. 80/2026)

✅ Same-day loan approval & cash disbursement

✅ No hidden fees

✅ Over 900+ 5 stars reviews

Apply Now in 3 Minutes

Loan Calculator - Estimate Your Repayments

Get clarity before you commit. Use our loan repayment calculator to see your estimated monthly repayments instantly.

Why Orange Credit is Singapore’s Trusted Choice

Transparent. Regulated. Reliable.

When you choose Orange Credit, you’re choosing more than a loan, you’re choosing peace of mind.
We follow the Moneylenders Act and are fully licensed by the Ministry of Law, ensuring your loan experience is safe, legal, and fair.

Fully Licensed & Regulated

Verified under the Ministry of Law’s Registry of Moneylenders

Fast Approvals

Apply with SingPass MyInfo for instant verification

Flexible Loan Options

Personal, foreigner, and debt consolidation loans tailored to your needs

14-Day Interest-Free Period

Try us risk-free, new clients enjoy zero interest for the first 14 days

Fast Cash Loans - Solutions for Every Financial Need

Debt Consolidation Loan

Some folks might find themselves in various debts at the same time, ranging from study loans to car loans, credit card bills, and emergency expenses.

Bridging Loan

If you seek something within reach, but your budget is not quite there yet, one option to explore is a cash loan to bridge the waiting gap.

Business Loan

All businesses require funding, at least in the early stages, while just getting started. There are always costs associated with every business, whether an independent, small one-person company or a multinational corporation.

Payday Loan

Payday loans have become a highly popular source of cash loans in Singapore and beyond when you are unexpectedly faced with a financial deficit prior to your payday.

Personal Loan

When it comes to taking out a modest loan to meet certain essential demands such as automobile repairs, new employment, or unforeseen medical issues - a personal loan by Orange Credit can get you out of your financial bind.

Foreigner Loan

For foreigners living, working, or studying in Singapore, a foreigner loan provides accessible funding for personal or urgent financial needs through a licensed money lender.

Enquiry Form

Our Process

Step 1

Submit an application for loan processing

Step 2

Conduct a short physical meeting to better understand your financial issues and address any concerns

Step 3

Loan contract signing

Step 4

Loan disbursement within the same day – enjoy quick cash loans that meet your urgent financial needs

Featured In

Orange Credit - Singapore’s Reliable Licensed Money Lender

2012

Established

License No. 80/2026

Licensed by:
Ministry of Law

15,000

+ and counting

Loans Served

★★★★★
(5/5 average rating)

Customer Satisfaction

EXCELLENT

Based on 965 reviews

Yuko Karamihan

11 April 2026

Very accommodating staff especially so Ms. Lim Jia sin. She able to help me with all my documents

Syameel Jofri

10 April 2026

Grace provided excellent service

vimala gops

8 April 2026

The staff is very friendly and explained the terms clearly. Feel safe and comfortable to do business with them.

shen wei gavin

7 April 2026

Attended by Grace Ng. Very friendly easy to talk to and feeding me with all the information needed.

Edmund Lmw

6 April 2026

I had a very positive experience with this money lender. Their service is excellent, and the staff are friendly, professional, and patient in explaining everything clearly. What really stood out was how responsive they are — they reply to enquiries quickly and make sure all your questions are answered. The whole process was smooth and efficient, without any unnecessary hassle. I felt comfortable and well taken care of throughout. Highly recommended if you’re looking for a reliable and trustworthy lender.

Boo Sulley

6 April 2026

Ms Grave was very helpful and assisted me when I was in need. Thankful and grateful for Orange Credit.

Acc Acc

1 April 2026

Got a loan with a comfortable repayment term and decent tenure

Jake Francisco

1 April 2026

Fast approvals. Easy & quick processes. Comfortable repayment scheme.

Shawn Kow

13 March 2026

I had an amazing experience with Grace from Orange Credit. She is the definition of professional, handling everything with a keen attention to detail. She was incredibly helpful throughout the entire process, making sure I was well-informed and comfortable with the proposal. If you are considering taking out a loan, I highly recommended Orange credit for their reliable and exemplary service.

Transparent & Legal Lending - What the Ministry of Law Requires

Moneylenders Act (Cap. 188)

At Orange Credit, transparency isn't a buzzword, it's a promise. We make these terms clear and upfront, so you know exactly what you're signing up for.

Maximum interest rate 4% per month

Late payment fee (max) $60 per month

Administrative fee Up to 10% of principal

These are statutory caps set by the Ministry of Law. No hidden charges beyond what's declared in your loan contract.

Due Diligence

How to Verify a Licensed Money Lender

Visit the Registry of Moneylenders website.

Check our name, Orange Credit Pte Ltd, and license number.

Avoid unlicensed lenders who send unsolicited texts or flyers.

⚠️

Reg. No. 201025574G · License No. 80/2026.
Always verify before borrowing.

Visit Our Licensed Office

Orange Credit Pte Ltd

810 Geylang Rd, #01-91 City Plaza,
Singapore 409286

📍 Near Paya Lebar MRT (Exit B)

📞 1800 188 1111

✉️ enquiry@orangecredit.com.sg

Opening Hours

Monday – Friday 11am – 8pm

Saturday 11am – 3pm

Sunday & Public Holiday Closed

Frequently Asked Questions

How do I differentiate between a licensed and an unlicensed lender (loanshark)?

To avoid falling into the hands of an illegal lender, always verify the lender’s license on the Ministry of Law Registry of Moneylenders. Licensed moneylenders follow strict regulations, provide clear written contracts, meet you in person, and charge capped interest rates of 4% per month. In contrast, loan sharks operate illegally, often demand exorbitant fees, use threats or harassment, and advertise through SMS, WhatsApp, or social media.

What happens if I am unable to repay my loan?

Missing repayments can lead to late fees, interest accumulation, and damage to your credit score. If unpaid, legal action such as court orders, wage garnishment, or asset seizure may follow. To manage repayment difficulties:

Contact your lender immediately to discuss restructuring or extensions
Seek professional help through Credit Counselling Singapore (CCS) or a Debt Management Programme (DMP)
Consider debt consolidation or other repayment plans to manage your obligations

Can I apply for a loan if I have a bad credit score?

It is possible to get a loan even with a poor credit score, though options may be more limited. Licensed moneylenders are generally more accessible than banks for those with bad credit. Lenders will consider income, employment stability, and repayment capacity in addition to credit history.

How can I check if a money lender is truly licensed and legal?

You should always verify the license status before applying for a loan.

Check the Official List of Licensed Money Lenders published on the Ministry of Law’s Registry of Moneylenders (ROM) website.
Ensure the lender’s registered address and licence number on their website match the official list.
Be wary of any lender advertising through SMS, WhatsApp, flyers, or social media, these channels are strictly prohibited for licensed money lenders.

What are the maximum interest rates and fees a licensed money lender can charge?

Licensed money lenders are subject to strict caps under the law, regardless of the borrower’s income or whether the loan is secured or unsecured:

Maximum Interest Rate: 4% per month
Maximum Late Interest: 4% per month (charged only on the late repayment amount)
Processing Fee: Capped at 10% of the principal loan amount (this can only be deducted upfront)
Late Payment Fee: Capped at $60 per month
Total Fees & Interest: The total charges (interest, late interest, and fees) on any loan cannot exceed the principal loan amount.

How much can I borrow from a licensed money lender?

The maximum unsecured loan amount is regulated based on your annual income and citizenship:

If your annual income is below S$10,000:
- Singapore Citizens & PRs: Up to S$3,000
- Foreigners residing in Singapore: Up to S$500
If your annual income is S$10,000 to under S$20,000:
- Singapore Citizens & PRs: Up to S$3,000
- Foreigners residing in Singapore: Up to S$3,000
If your annual income is S$20,000 and above:
- Singapore Citizens & PRs: Up to 6× monthly income
- Foreigners residing in Singapore: Up to 6× monthly income

For secured loans, you can generally obtain a loan of any amount, subject to the lender’s assessment.

What documents are required to apply for a personal loan?

The exact documents vary slightly, but a licensed money lender will typically require:

Identity Proof
- Singapore Citizens/PRs: NRIC (original)
- Foreigners working in Singapore: Valid passport and Work Permit/S Pass/Employment Pass
Income Proof
- Singapore Citizens/PRs: Latest 1–3 months’ payslips, 12-month CPF statement, or Income Tax Notice of Assessment
- Foreigners working in Singapore: Latest 3 months’ payslips and bank statements
Residence Proof
- Singapore Citizens/PRs: PUB bill, phone bill, or bank statement showing current residential address
- Foreigners working in Singapore: Tenancy agreement or utility bill

To speed up the application, many licensed money lenders utilise SingPass MyInfo to retrieve and verify personal data electronically.

Do I have to visit the money lender's office in person?

Yes. Under Singapore’s laws, a licensed money lender must conduct a face-to-face verification of the applicant’s original identity documents at their approved business premises before the loan is approved and the contract is signed. While you can submit an initial application online, the physical meeting is mandatory.

Is borrowing from a licensed money lender safe?

Yes, borrowing from a licensed money lender is safe and legal, provided you verify their license and fully understand the loan contract. The strict regulations by the Ministry of Law are designed to protect borrowers from unfair practices, excessive charges, and harassment. Always borrow responsibly and only what you can afford to repay.