Singapore's Trusted Licensed Money Lender
in Bugis

To apply for a loan with Fortune Credit, you’ll generally need to meet a few basic eligibility criteria:

Basic Requirement:

• You need to be at least 21 years old
• You must be a Singapore Citizen, PR, or have a valid Work Pass

To apply for a loan with Fortune Credit, you’ll typically need the following documents:

• Local and Permanent Residence (PRs)
  • Identity card
  • Proof of residence (utility bill, a letter addressed to you, and or tenancy agreement)
  • Proof of employment (employment letter if your job is less than 3 months)
  • Recent 3 months payslip
  • SingPass (to log into CPF, HDB, IRAS website)

• Foreigner with a valid Work Pass
  • Passport
  • Work Permit / S-Pass / Employment Pass
  • Proof of residence (utility bill or tenancy agreement)
  • Proof of employment (employment letter if your job is less than 3 months)
  • Recent 3 months payslip
  • Proof of income (bank or account statement)
  • SingPass (to log into CPF, HDB, IRAS website)

Yes. You may call +65 6777 1887 or submit an online application at any time. However, under MinLaw regulations, all loan contracts must be signed in person at our registered office. The in-person visit is where our loan officer will explain the terms, payment plan, and disburse funds.

For unsecured loans, the following limits apply under Ministry of Law regulations:

For secured loans (backed by collateral such as property), borrowing limits are assessed on a case-by-case basis. Business loans are capped at S$200,000.

All fees charged by Fortune Credit comply with the Ministry of Law’s regulatory caps. There are no hidden charges.

Interest is computed only on the outstanding principal, not on the original loan amount. Late interest applies only to the overdue amount, not to amounts not yet due. The total of all charges (interest, late interest, admin fee, and late fees) cannot exceed the original principal borrowed.

Most applications are assessed within hours. Once you visit our office and sign the loan contract, funds are disbursed on the same day, often during the same appointment.

Yes. At Fortune Credit, we assess your current financial situation and repayment capacity rather than relying solely on credit history. Borrowers with imperfect credit are welcome to apply. Note that your maximum borrowing limit may be adjusted based on overall affordability.

Yes! Fortune Credit allows you to repay your loan ahead of schedule. Just inform your loan officer in advance so any adjustments to your repayment plan can be confirmed. You may also be eligible for a discount for early settlement, which is subject to terms and conditions.

Yes. You may hold loans with multiple lenders. However, all applications are subject to an affordability assessment to ensure you do not over-borrow. Our loan officer will review your overall debt obligations before recommending a loan amount.

Yes, Fortune Credit is a licensed money lender open on Sunday in Singapore, making it easier for you to get financial assistance even on weekends.

We are open 7 days a week with the following operating hours:

Monday to Friday: 11:00 AM – 8:00 PM
Saturday & Sunday: 11:00 AM – 5:00 PM

You can visit our office or apply for a loan online anytime, and our team will assist you promptly during operating hours.

• You need urgent cash with fast approval
• You have a lower credit score or were rejected by banks
• You require flexible loan options tailored to your situation

To borrow safely from a money lender in Singapore, you should take the following steps:

• Verify that the lender is listed on the Registry of Moneylenders to ensure it is legally approved and regulated.
• Always review the repayment schedule carefully to understand your payment obligations and due dates.
• Check the interest charges applied to the loan. In Singapore, the legal interest rate is capped at 4% per month, so ensure the lender complies with this restriction.
• Confirm any processing fees upfront. These fees cannot exceed 10% of the loan principal and should be clearly explained before you agree to the loan.
• The borrower should read and fully understand the loan contract before signing, and ensure all terms are properly documented.