ORANGE CREDIT

Reliable Legal Licensed Money Lender in Singapore

Orange Credit is your trusted, licensed money lender in Singapore for reliable and legal financial solutions. We are your go-to licensed moneylender nearby, offering fast cash loans with quick and easy approval. Whether you’re facing an emergency or simply need a quick cash loan, our experienced team is here to provide you with instant cash loans that meet your needs. Enjoy a hassle-free financial experience with Orange Credit.

Why Choose Orange Credit for Cash Loans?

Interest-Free Period of 14 Days

Interest-Free Period of 14 Days

For new customers, there is a 14-days interest-free repayment period.

Complimentary Consultation

Complimentary Consultation

Our expert loan consultants offer free one-on-one consultations to help you choose the best loan option.

Well-Planned Payment Schedule

Well-Planned Payment Schedule

We create well-planned payment schedules that are tailored specifically to your financial situation.

Orange Credit is your trusted, licensed money lender in Singapore for reliable and legal financial solutions. We are your go-to licensed moneylender nearby, offering fast cash loans with quick and easy approval. Whether you’re facing an emergency or simply need a quick cash loan, our experienced team is here to provide you with instant cash loans that meet your needs. Enjoy a hassle-free financial experience with Orange Credit.

Why Choose Orange Credit for Cash Loans?

Interest-Free Period of 14 Days

Interest-Free Period of 14 Days

For new customers, there is a 14-days interest-free repayment period.

Complimentary Consultation

Complimentary Consultation

Our expert loan consultants offer free one-on-one consultations to help you choose the best loan option.

Well-Planned Payment Schedule

Well-Planned Payment Schedule

We create well-planned payment schedules that are tailored specifically to your financial situation.

Welcome To Orange Credit, Your Trusted Licensed Money Lender in Singapore

What We Do

At Orange Credit, we understand that unplanned expenses can cause financial stress. As a legal money lender in Singapore, we are dedicated to offering fast cash loans that help alleviate financial burdens without the hassle. Fully licensed by the Ministry of Law, our services comply with the Money Lenders Act and its regulations, ensuring that you receive reliable and transparent financial solutions.

Whether you’re dealing with credit card debt, medical emergencies, or any other unexpected expenses, our fast loan approval process ensures you get the financial aid you need quickly – you won’t have to deal with complicated procedures. As a licensed moneylender nearby, we are conveniently located in Geylang, close to Paya Lebar MRT.

Understanding Cash Loans With Us

Financial emergencies can strike unexpectedly, and having access to reliable money lenders in Singapore can make all the difference. Orange Credit’s simple cash loan approval might make a world of difference between preserving and living your way of life without sacrificing what is vital to you.

Legal money lenders in Singapore can have a cumbersome procedure at times. With us at Orange Credit, that is not the case when obtaining a cash loan in Singapore. As a legal and licensed money lender in Geylang (located near the Paya Lebar MRT station), our processes have been optimised to reduce the time it takes for you to secure a cash loan from us, allowing you to have as little financial downtime as possible. Orange Credit is committed to delivering timely and suitable fast cash loan options for you to begin making payments, whether it be for a personal financial difficulty or a new business initiative.

Welcome To Orange Credit, Your Trusted Licensed Money Lender in Singapore

What We Do

At Orange Credit, we understand that unplanned expenses can cause financial stress. As a legal money lender in Singapore, we are dedicated to offering fast cash loans that help alleviate financial burdens without the hassle. Fully licensed by the Ministry of Law, our services comply with the Money Lenders Act and its regulations, ensuring that you receive reliable and transparent financial solutions.

 

Whether you’re dealing with credit card debt, medical emergencies, or any other unexpected expenses, our fast loan approval process ensures you get the financial aid you need quickly – you won’t have to deal with complicated procedures. As a licensed moneylender nearby, we are conveniently located in Geylang, close to Paya Lebar MRT.

Understanding Cash Loans With Us

Financial emergencies can strike unexpectedly, and having access to reliable money lenders in Singapore can make all the difference. Orange Credit’s simple cash loan approval might make a world of difference between preserving and living your way of life without sacrificing what is vital to you.

 

Legal money lenders in Singapore can have a cumbersome procedure at times. With us at Orange Credit, that is not the case when obtaining a cash loan in Singapore. As a legal and licensed money lender in Geylang (located near the Paya Lebar MRT station), our processes have been optimised to reduce the time it takes for you to secure a cash loan from us, allowing you to have as little financial downtime as possible. Orange Credit is committed to delivering timely and suitable fast cash loan options for you to begin making payments, whether it be for a personal financial difficulty or a new business initiative.

Our Cash Loan Services

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

What exactly is a foreigner loan? Foreigners who live, work, and study in Singapore can apply for a foreigner loan from a legal licensed money lender in Singapore.

Our Cash Loan Services

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

What exactly is a foreigner loan? Foreigners who live, work, and study in Singapore can apply for a foreigner loan from a legal licensed money lender in Singapore.

Enquiry Form

 

For secured loans, you can obtain a loan of any amount. For unsecured loans, you can obtain: * Up to $3,000, if your annual income is less than $20,000; * Up to 6 months’ income, if your annual income is $20,000 or more

    Licensed Money Lender Singapore

    Enquiry Form

     

    For secured loans, you can obtain a loan of any amount. For unsecured loans, you can obtain: * Up to $3,000, if your annual income is less than $20,000; * Up to 6 months’ income, if your annual income is $20,000 or more

      Frequently Asked Questions

      How can I apply for a loan?

      You can make an appointment via call or head down to our office.

      What are the documents required to bring?

      • Originals NRIC
      • Original payslips from the last three months.
      • Original mobile phone or PUB bill with your residence address on it.
      • ACRA if you are owning your business
      • Taxi Vocational License (For Taxi Drivers)

      What if I cannot go within the operating hours?

      Kindly give us a call to arrange for an appointment with our helpful loan officers.

      How do I know whether my loan had been approved?

      Our friendly loan officers will contact you as soon as your loan has been approved.

      Can I apply for a new loan after I paid off my loan?

      Definitely! We will approve the loan once you meet the conditions at the time of application, subject to the rules and regulations of the Money Lenders Act.

      What amount can you get with our fast cash loan?

      Generally, the loan amount for quick cash loans depends on two major factors: your annual income and credit score.

      If you have a higher annual income, you can surely obtain a bigger instant cash loan. This is because banks and licensed money lenders typically base your ability to repay your loan on your annual income. The higher your income is, the greater the capability you have to repay your loan. Consequently, if you have a low annual income, you are less likely to get approved for high loan amounts.

      Besides your annual income, your credit score also plays a vital role in getting your fast cash loan approved since it indicates the likelihood of you repaying your loan. The practice is that if you have a higher credit score, you are more likely to obtain a higher loan amount. Late payments and loan defaults will make money lenders hesitant to lend you high amounts of money for instant cash loans. Hence, it would be good to avoid doing certain things to ensure a good credit score.

      How does an instant cash loan work?

      An instant cash loan generally works just like a personal loan. Once your loan application is approved, you will get the funds deposited into your account, or you can choose to collect them immediately as cash. This flexibility sets instant cash loans apart from other loan types, as you are free to use the funds as you wish.

      For example, if you take out a renovation loan, the funds will go straight to your contractor. You will not be able to use the money to pay for things not included in your renovation contract. On the contrary, you can do whatever you want with the money you receive from a fast cash loan, provided that it is legal.

      Fast cash loans are unsecured loans. Therefore, you do not have to use your house, car, jewellery, or anything of value as collateral for the loan. As their name suggests, a fast cash loan has a quick loan processing time. If your application is successful, you will almost immediately get the money you need to solve your financial problems.

      What is a licensed money lender in Singapore?

      A licensed money lender in Singapore is a financial institution authorised by the Ministry of Law to provide various types of loans to individuals and businesses. These lenders operate within the regulatory framework set by the government, which includes strict guidelines on interest rates, loan terms, and borrower protection measures. Unlike unlicensed money lenders or ‘loan sharks’, licensed money lenders adhere to legal requirements and ethical practices, ensuring transparency and fairness in their dealings with borrowers. Before engaging with any money lender, it’s crucial to verify their license status and review the terms and conditions of the loan agreement carefully. Additionally, borrowers should exercise caution and only borrow from licensed entities to avoid falling victim to illegal lending practices.

      Frequently Asked Questions

      How can I apply for a loan?

      You can call us to fix an appointment or come directly down to our office.

      What are the documents required to bring?

      • Originals NRIC
      • Original payslips from the last three months.
      • Original mobile phone or PUB bill with your residence address on it.
      • ACRA if you are owning your business
      • Taxi Vocational License (For Taxi Drivers)

      What if I cannot go within the operating hours?

      Kindly give us a call to arrange for an appointment with our helpful loan officers.

      How do I know whether my loan had been approved?

      Our friendly loan officers will contact you as soon as your loan has been approved.

      Can I apply for a new loan after I paid off my loan?

      Definitely! We will approve the loan once you meet the conditions at the time of application, subject to the rules and regulations of the Money Lenders Act.

      What amount can you get with our fast cash loan?

      Generally, the loan amount for quick cash loans depends on two major factors: your annual income and credit score.

      If you have a higher annual income, you can surely obtain a bigger instant cash loan. This is because banks and licensed money lenders typically base your ability to repay your loan on your annual income. The higher your income is, the greater the capability you have to repay your loan. Consequently, if you have a low annual income, you are less likely to get approved for high loan amounts.

      Besides your annual income, your credit score also plays a vital role in getting your fast cash loan approved since it indicates the likelihood of you repaying your loan. The practice is that if you have a higher credit score, you are more likely to obtain a higher loan amount. Late payments and loan defaults will make money lenders hesitant to lend you high amounts of money for instant cash loans. Hence, it would be good to avoid doing certain things to ensure a good credit score.

      How does an instant cash loan work?

      An instant cash loan generally works just like a personal loan. Once your loan application is approved, you will get the funds deposited into your account, or you can choose to collect them immediately as cash. This flexibility sets instant cash loans apart from other loan types, as you are free to use the funds as you wish.

      For example, if you take out a renovation loan, the funds will go straight to your contractor. You will not be able to use the money to pay for things not included in your renovation contract. On the contrary, you can do whatever you want with the money you receive from a fast cash loan, provided that it is legal.

      Fast cash loans are unsecured loans. Therefore, you do not have to use your house, car, jewellery, or anything of value as collateral for the loan. As their name suggests, a fast cash loan has a quick loan processing time. If your application is successful, you will almost immediately get the money you need to solve your financial problems.

      What is a licensed money lender in Singapore?

      A licensed money lender in Singapore is a financial institution authorised by the Ministry of Law to provide various types of loans to individuals and businesses. These lenders operate within the regulatory framework set by the government, which includes strict guidelines on interest rates, loan terms, and borrower protection measures. Unlike unlicensed money lenders or ‘loan sharks’, licensed money lenders adhere to legal requirements and ethical practices, ensuring transparency and fairness in their dealings with borrowers. Before engaging with any money lender, it’s crucial to verify their license status and review the terms and conditions of the loan agreement carefully. Additionally, borrowers should exercise caution and only borrow from licensed entities to avoid falling victim to illegal lending practices.
      1. We are here to listen

      At Orange Credit, we aim at understanding your predicament and financial status before designing and delivering the finest suitable financial plan for you. Though you may have poor credit, have peace of mind that we do not decline applications and strive to provide loans unique to each individual’s financial circumstances.

       

      2. We are reliable and trustworthy

      Orange Credit Pte Ltd happens to be one of 154 legal money lenders on the Ministry of Law’s list of authorised legal money lenders in Singapore. Our operations and services absolutely conform to the Ministry of Law’s regulations. As such, our processes and services are 100% transparent and equitable to everybody. As we are a licensed money lender in Singapore, we also issue contracts and invoices for all proceedings to our customers.

      Our website features the MyInfo portal – exclusively available to recognised and reliable money lending companies. It is part of Orange Credit’s loan application information retrieval and verification method to ensure seamless and secure processes.

       

      3. Fuss-free cash loan procedure

      Money lending, we believe, may very well be complex for borrowers applying for the first time or those with poor credit. We want to alter that by offering straightforward and quick cash loan methods that help our customers obtain a loan that fits their financial circumstances. As a result, our experienced team is dedicated to crafting a financial strategy tailored to your specific requirements. This reduces financial downtime, allows consumers to obtain financial assistance sooner, and guarantees that a suitable financing solution is available for all.

       

      4. Consolidate current loans or debts

      Do you find yourself in a situation where you are taking out many loans with a poor credit rating? Fret not; Orange Credit’s debt consolidation solutions may assist. We can make future repayments easier by consolidating and combining all your debts into one loan. Furthermore, because of debt consolidation plans, rest assured that the credit score is set to only improve as you settle your bills, a definite win-win situation for our clients.

       

      5. A wide variety of loans for your easy eligibility

      With as many as seven varying loans tailored to your specific financial circumstances, acquiring easy loan eligibility makes a huge difference. At Orange Credit, we offer simple approval loans so that our customers may obtain a financial plan suited according to their demands – those with poor credit included.

      Certain criteria must be followed if an agency is a licensed money lender in Singapore that follows the rules set by the Ministry of Law. All characteristics listed below can assist you in distinguishing between unauthorised and authorised money lenders.

       

      1. Personal loans have a maximum interest rate of 4%

      Are you aware that the highest monthly interest rate registered money lenders may charge is 4%? This implies that, regardless of your monthly income, legal money lenders in Singapore are only allowed to charge you 4% each month if there is no single failure in repayments. Furthermore, interest is charged based on a reducing balance.

       

      2. Late repayments for a personal loan

      Suppose you did not pay your debts on time. In that case, legal money lenders can levy a late interest rate of up to 4% each month on the outstanding late payment, with a maximum cost of $60 for every month of any late repayment, irrespective of the amount of loan. However, this does not apply to already paid repayments.

       

      3. Borrowing expenses for a personal loan

      When taking a personal loan from a legal money lender in Singapore, an administrative fee of no more than 10% of the principal loan amount is levied. The borrowing fee should not surpass the initial loan amount when borrowing from a licensed money lender in Singapore. When administrative fees, interest rate charges, and late repayment costs are combined, they must not surpass the amount of the principal loan.

       

      4. Recognising the differences between licensed and unlicensed money lenders

      Legal money lenders in Singapore have three options for advertising their services. Hence, if you decide on taking a loan but are unsure if the money lender is authorised or unauthorised, it is essential to keep yourself informed. Here, we list three channels where you may discover registered money lenders:

      • Consumer or business directories (via print media or online).
      • Advertisements are posted near, within, or on the legal money lender’s business location exterior.
      • Official money lender website.

      Should you obtain any unsolicited flyers, messages, calls, or other advertisements not included above, they might be from unlicensed money lenders or legal money lenders breaching Singapore laws.

      A Glimpse Into What We Do

      Cash Loan Repayment Calculator

      What Our Clients Say About Us As A Licensed Money Lender in Singapore

       

      Man Ekor
      Man Ekor
      July 5, 2025
      First time taking loan, there very friendly customer service. She very nice and helpful, explained to me very well and clearly. Really appreciate and happy with the service.
      Khaizurah Khairil
      Khaizurah Khairil
      July 3, 2025
      had a great experience with Jia Sin .. From the very beginning, she was incredibly friendly and welcoming. She made the entire process smooth and stress-free. What really stood out to me was how accommodating she were — she truly listened to my needs and went the extra mile to make sure everything was handled with care and professionalism. It’s rare to come across such genuine customer service these days, and I really appreciated the personal touch she added to every interaction. Highly recommend them if you’re looking for a company that treats you with kindness and respect! Thank you very Much Jia Sin!!❤️
      Winggo
      Winggo
      June 30, 2025
      Actually I never been in this kind of stuff but wanna if your company allowed to take loan without checking the number phone is real or not . I just found out somebody use my phone number to get loan from your company so anybody can explain this to me . If I make police report this will be fraud on his side cause he use my number without my permission but how this company approves him for being use somebody phone number without do double check . On contract is on 24-09-2024 with license number 78/2024 the person who approved by Grace Ng . As a person who ownership the phone number I feel so upset and angry so can you help me to solved my problem without police involved. Thanks before hand .
      Charmaine
      Charmaine
      June 26, 2025
      I would like to express my sincere appreciation for the excellent service provided by Grace. This is already my 3rd time taking a loan with them & each time, Grace has been consistently professional, friendly & incredibly helpful. She always provide clear, detailed explanations about the loan process & repayment terms, making everything easy to understand & transparent. I also value the thoughtful advice she offer, which shows her experience & genuine care for customers’ financial well-being. It’s because of staff like Grace that I continue to return whenever I need assistance. Thank you for making the process smooth & reassuring every time.
      Michaela L
      Michaela L
      June 25, 2025
      I had a wonderful experience with Orange Credit, especially with their amazing staff member, Grace. She is incredibly friendly and easy to talk to, which made me feel safe and comfortable sharing my financial details. Grace has a warm, approachable presence that puts you at ease right away. She’s very kind, understanding, and truly listened to my needs and concerns. What impressed me most was how accommodating and professional she was with a plan that suited my situation perfectly. Everything was handled with complete transparency, which built trust throughout the process. I highly recommend Orange Credit, and especially Grace, for anyone seeking honest and compassionate financial support.
      Misto Tan
      Misto Tan
      June 21, 2025
      Credit officer is professional and polite in the whole process. Appreciate how the loan officers were ready to listen and understand my situation and was able to help me out with a loan.Explained everything in & out with clearly.Thanks again.High recommended
      Ismail Matsom
      Ismail Matsom
      June 19, 2025
      I have a good experience with orange credit;their service was excellent and the staff were friendly and helpful,everythings was clear and transparent with no hidden cost ; they took up time to understand my situation and discuss the repayment plans for me which I can manage and the interest rate was reasonable and match what I expect ed; I highly recommend Orange credit to anyone who need a loan ,thank you Orange Credit.
      Hamzah Mohd Supian
      Hamzah Mohd Supian
      June 3, 2025
      Staff,Ms Lim Jia Sin is very courteous and handles customer with utmost respect.She explained all details clearly.
      Jiezel Tagud
      Jiezel Tagud
      June 2, 2025
      During the entire process Grace help me a lot and the process so fast no hassle,very approachble thanks for the help God bless🥰
      kevin soliman
      kevin soliman
      May 31, 2025
      The staffs here are very accomodating and kind. clear and easy to understand explanations. interest rates is not bad. I highly recommended here.

      Discover More

      ​​At Orange Credit, we pride ourselves on being a reliable money lender in Singapore, offering a seamless and fast loan approval process to help you through tough financial times. Contact us today to explore how our quick cash loans can provide the solution you need.

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      A Glimpse Into What We Do

      Cash Loan Repayment Calculator

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