Fortune Credit Pte Ltd is a licensed moneylender (License No. 31/2021) listed in the Registry of Moneylenders, under the Ministry of Law in Singapore.

#1 Personal Loan Legal Moneylender in Singapore

LICENSE NO: 31/2021

Fortune Credit is among the top 10 licensed moneylenders in Singapore and the best moneylender in Bugis / Bras Basah.

Excellent 5/5

90 Reviews on

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Call or Apply Online

Apply from the comfort of your home with a few clicks using our online facility. You may also reach us at 6777 1887



Visit Our Office For In-Person Consultation

Our consultant will schedule an appointment for you to further discuss the terms and conditions of your loan plan.



Receive Your Cash on the Same Day

Get your cash loan as soon as the agreement has been signed

Customer Review: Comfortable, friendly, professional and efficient borrowing experience

  • No Hidden Fees
  • 30-minute loan approval
  • Flexible repayment

Feel Free to Borrow Anytime !




Financial difficulties happen anytime and you may never know when it will strike you. Even if you have emergency funds during this trying situation, it may not be enough to suffice you when such financial trouble hits you. 

But worry not, here at Fortune Credit – licensed money lender Singapore, registered in the Ministry of Law’s (view list of licensed moneylenders here), offer tailor-made loans just for you to help you solve your financial difficulties quickly and hassle free. 

As one of the established licensed money lenders in Singapore, we treat our clients as family and build relationships professionally to provide a warm, comfortable, and efficient borrowing experience. Feel free to borrow from us and browse our full suite of loan offerings.



Personal Loan Img


For personal needs. Whether for your home renovation, medical emergency, or that once-in-a-lifetime vacation.  A personal loan is your ultimate financial boost to your financial matters.


  • Low-interest rates from 1 to 4% only
  • Flexible payment terms for all loans
  • Unsecured loan – No collateral/pledging of assets needed
  • Discount will be applied to the interest rate for early payment
  • Borrow up to 6 times worth of monthly income
Business Loan Img


For business’ growth and expansion. We support your business’s investments, such as acquiring new space, buying more inventory, or just keeping your company afloat.


  • Easy approval (business only needs to be operational for 1 year) 
  • Flexible repayment tenures
  • Unsecured loan – No collateral/pledging of assets needed
  • Loan up to $200,000
Foreigner Loan Img


Personal loans specially catered to expatriates. Cost of living in Singapore is listed as the 14th most expensive location in the world for expatriates. Foreigner loans can help cover relocation expenses when moving into your new home or during financial emergencies.


  • Low-interest rates from 1 to 4% only and flexible payment terms
  • No credit score checking
  • Unsecured loan – No collateral/pledging of assets needed
  • Borrow up to six months’ worth of income
Payday Loan Img


For fast cash and emergencies. Take a quick cash advance when you find yourself short on cash for your monthly rent, utility bills, medical emergencies, among others.


  • Get money fast
  • Low-interest rates from 1 to 4% only
  • No credit score checking
  • Borrow up to one month’s worth of income

Google REVIEW RATING Google 4.9 Stars

  • Fantastic experience provided by Eric and Fortune Credit. Very detailed and transparent with how and what you should know about the payment of loans.
    Look for Eric. Kind, gentle and very reliable at attending to your needs. 👍👍

    Hendra Ramli
    08 Oct 2021

    The staffs are very friendly and professional. They explain it very clearly on the interests, admin fee etc upfront. Thanks very much for providing a great service.

    Biju Alex Thomas
    04 Oct 2021
  • Genuine, approachable. Nothing to be afraid of to those who looking for reputable licensed moneylender. 👍🏽

    Fauzan Ismail
    24 Sep 2021

    Dan is very professional and you will feel comfortable and safe. I don’t feel lost even I’m first timer, he guide me and explained briefly the process and I’m surely recommend this company to my friends. 👍

    Joel Alvarez
    22 Sep 2021
  • Had a great experience with ErIc from Fortune Credit who has helped me understand the process and did a wonderful job of smoothly getting me the loan I was looking for.
    I would strongly recommend them. Great service!

    Suman Sharma
    04 Sep 2021

    Mr Dan is friendly, patience and down to earth man. Easy interacted with him as if I have know him long. Keep up a good job. Stay safe 👍

    Ms Lis
    30 Aug 2021
  • Dan is a very supportive, friendly and understandable. He is always answering your questions and takes time to understand. There were no rush. Will definitely suggest my friends if they ever want a loan. Very professional and easy going. Thank you so much Dan !!

    emma ftm
    29 Aug 2021

    Ray is professional in handling the whole process. Gave me a detailed explanation on how it works.. will recommend to friends

    Cheng wei
    29 Aug 2021
  • Fortune Credit were very professional and helpful during the whole process. From application to repayments all was explained very well.

    Great experience from Dan and the team. Thank you for your help and changing the stigma around moneylenders.

    Thanks team.

    James Lin
    06 Aug 2021

    I was always skeptical about licensed money lender until I came across this establishment. My impression of people working there changed completely after I was attended to by Dan Tan.

    Dan was very helpful and understand his client needs and difficulties. He is also very patience and details in explaining everything to me.
    I definitely recommend Fortune Credit as a place to go to if you need some sort of loan.

    S Ng
    29 Jul 2021
  • Many thanks to the team at Fortune Credit, especially Dan who served me. He understood my needs and went out of his way to expedite for me. Once again, thank you very much for the professionalism.

    Justin Lim
    28 Jul 2021

    Eric who served me was professional,attentive and warm. Fortune credit was quick in their response to my enquiries and concerns. It was a seamless process and not as daunting as a first timer might feel. Definately recommended if u require assistance for the interim. Keep up the good work!!

    Eric Chong
    14 Jul 2021
  • Definitely the best of the best licensed moneylender in Singapore ! I’ve been with them for years, and never once my situations was not been understood. This is the place where they will professionally humbly attend to you and not only hear out to your needs, but they listened and support you with kind supports at their top will. Rest assured. Thumbs up ! Thank you fortune credit !

    Ilyyas Salim
    26 Apr 2021

    MR ERIC Au Yong is commendable . He is very responsive to my needs , caring and very professional.
    Without a doubt , Fortune Credit is the very best in town in its business and operation.

    Tan PK

    24 Dec 2020
  • Very professional and a great positive attitude from them. I got great advice and service. Grateful they made the process stress free.

    Brandon Smith
    10 Dec 2020

    They are kind and also patient in handling customer requests. They respect customers confidentiality and never ask too much questions. Loan approved fast, as they try to meet our needs at their best.

    Aiylah Ashraf
    04 Dec 2020
  • Very good customer service. The requirements are specific and they will explain everything you need to know. Also, you can get the approved loan amount within the day. Highly recommended.

    Jonas Santos
    24 Nov 2020

    I could say the experience of this place gives me good vibe from the start. Clean, professional looking. Upon closer interactions, they provide me with very professional advise on the amount I could get and also seek my permissions for things in a responsible way. In a way, you would not go wrong using their service!

    Adam Koh
    20 Oct 2020

Feel Free to Borrow Anytime!


It just takes 5 minutes
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Yes, you may call us at 6777 1887 or apply online. However for loan disbursement, you are required to visit our physical office to sign the loan contract where included interest payment plan. This is part of the approval process practiced by money lender Singapore.
To further explain, you can loan any amount with secured loans. For unsecured loans, please refer to the table below:
Borrower’s annual income Singapore Citizens and Permanent Residents Foreigners residing in Singapore
Less than $10,000 $3,000 $500
At least $10,000 and less than $20,000 $3,000
At least $20,000 6 times monthly income 6 times monthly income

The loan application process is swift and efficient. Please expect to receive your borrowed money within a few hours only, or upon the signing of the contract when you’re contacted to come in for the signing of the contract. 

Note that a licensed moneylender will ask to come to their physical office to receive the money and sign the loan contract. 

Loan application at Fortune Credit makes it easier online, send us your loan requirement online and we’re ready to assist you any time of the day!

To avoid loan scams, the first thing that you must check is to verify if the money lender in Singapore that you are looking for is a licensed moneylender registered with Singapore’s Ministry of Law

The Ministry of Law has very strict regulations regarding licensed moneylenders in Singapore, thus you can find the legal moneylenders official list in the registry of moneylenders supervised by the Ministry of Law. 

The next thing to do after checking the legibility of the moneylenders, you can compare the best loan offers according to your budget and repayment capability. Also, don’t forget to check the customer service reviews on Loan Advisor and Google Reviews to check the customer satisfaction reviews.

All licensed moneylenders in Singapore is only permitted to impose the following charges and expenses on personal loans or other types of loans:

  • A fee not exceeding $60 for each month of late repayment;
  • A fee not exceeding 10% of the principal of the loan when a loan is granted; and 
  • Legal costs ordered by the court for a successful claim by the moneylender for the recovery of the loan.

The total charges imposed by a licensed money lender on any loan, consisting of interest, late interest, upfront administrative, and late fee also cannot exceed an amount equivalent to the principal of the loan.

Meanwhile, the maximum interest rate that moneylenders can charge is 4% per month, regardless of the borrower’s income and whether the loan is an unsecured or secured one. 

If a borrower fails to repay the loan on time, the maximum rate of late interest a legal money lender can charge is 4% per month for each month the loan is repaid late.

The computation of interest charged on the loan must be based on the amount of principal remaining after deducting from the original principal the total payments made by or on behalf of the borrower which are appropriated to the principal. 

The late interest can only be charged on an amount that is repaid late. The legal money lender cannot charge on amounts that are outstanding but not yet due to be repaid.

Yes, you may pay your loan to the moneylenders before it’s fully due. You can inform Fortune Credit about your plans for the early settlement so that we can come to an agreement with you for any discounts to your loan.
Yes, you can take multiple loans. But even though you can apply for more than one loan, your application will still be subject to evaluation to make sure that you don’t over-borrow and suffer from financial troubles. Money lending Singapore undergoes a strict process to protect both the borrower and the moneylender.

Yes, you could apply for loans with different interest rates and borrowing limits. For example, banks in Singapore offer higher lending amounts but have stricter requirements. This means that it takes time before they will release your funds after approval because of their rigorous evaluation process.

On the other hand, licensed moneylenders such as Fortune Credit offers an easy application process, a lower interest rate of up to 4%, and upfront processing fees with no hidden charges!

Do you have a credit history that’s less than stellar? If so, fear not – Fortune Credit can help. We are a legal lending agency in Singapore that welcomes either good or bad credit borrowers. Additionally, it doesn’t affect the interest rate applied on these types of loan amounts – but there are some limitations in terms of borrowing higher amount levels than usual. We are ready to help you with your situation and answer any questions that arise. We’re always on call in case of an emergency, so don’t hesitate to contact us if there’s anything we can do for you!

Visit the Ministry of Law’s full list of licensed moneylenders in Singapore here to verify if the agency is registered or not. 

Fortune Credit’s license number is 31/2021 listed in this downloadable list. Fortune Credit Pte Ltd is among the top 10 legal moneylenders in Singapore and touted as the best moneylenders in Bugis as well as in Bras Basah. You can also check our customer service reviews for legitimacy, we can assure you that we only provide the best customer service tailored to each of our clients.

Licensed moneylenders are permitted to advertise only through these three channels:

  • business or consumer directories (in print or online media); 
  • websites belonging to the moneylender; and
  • advertisements placed within or on the exterior of the moneylender’s business premises. 

All other channels are prohibited. Thus, if you receive flyers, text messages(SMS), emails, or other forms of advertisements, please report the advertisements to the Registry at 1800-2255-529 or via the Ministry of Law’s website.

If you’re looking for the best loan rates in Singapore, it’s smart to shop around and compare different lenders. 

Banks’ secured loans can offer you a higher principal amount. However, collateral such as properties, real estate, bonds, collections, and other items or objects that have value are required to lower your personal loan’s effective interest rate.

Meanwhile, licensed lenders such as Fortune Credit can provide you a loan plan that best fits your objectives and repayment capability without collaterals required. 

Reviews are available on our Reviews page for those who wish for more information about Fortune Credit’s loans or application process before applying online; feel free to call us at any time if you have further questions!

Here are some common red flags to watch out for:

  • Asks for your SingPass user ID and/or password
  • Fails to return your NRIC card or any other personal identification documents
  • Asks you to sign a blank or incomplete loan contract
  • Fails to provide a clear and thorough explanation of the terms and conditions of the loan.
  • Grants you a loan without evaluating your loan eligibility.
  • Grants you a loan through phone, email, or SMS before receiving your loan application form and required documents
  • Withholds any part of your principal loan amount

You should never do business with these errant lenders! If you encounter one, report them to the Registry of Moneylenders. Provide information including their name and contact number for future reference if needed again.

With our loan plans, you can get access to the funds that will help you. We work with clients all over Singapore who need a helping hand in their financial struggles.

We make sure that we customize each plan appropriately – taking into account any special needs or restrictions for repayment periods- so it is right for you! Our competitive rates ensure low monthly payments while still getting out of debt fast.

Moreover, Fortune Credit offers a quick and easy application process that usually lets your money be in hand the same day. 

After requesting online or by calling our team from home, we schedule an appointment with one of our loan officers who will review the terms for your plan. This is all done on the spot so there’s no long waiting!

After you get the loan, it’s important to make sure that your lender is giving you everything they promised.

  • A provider can only deduct a 10% fee upfront for processing and approval of a loan- so stay on top of them!
  • Pay the loan installments on time to avoid incurring late payment fees, additional interest rate and late interest.
  • Make sure the lender issues you a receipt every time you make any repayment of the loan amount towards your personal loan, and check it for correctness (e.g. name, amount, date).
  • Make sure you receive a statement of account for all your personal loans at least once every January and July and check it for correctness (e.g. name, amount, date); and
  • You should retain all statements of accounts and receipts of payments as documentation and evidence of payments.



5/5 90 Reviews on

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