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.

Foreigner Loan

We provide equal opportunities to everyone in Singapore, especially to expatriates in need of financial assistance during the settling in period or for any personal reasons.

Excellent 5/5

90 Reviews on

Loan Advisor
Foreigner Loan Img


Low-interest rates from 1 to 4% only


Unsecured loan – No collateral/pledging of assets needed


No credit score checking

Cost of living in Singapore is listed as one of the most expensive locations in the world for expatriates. But with this great opportunity of living in Singapore, comes bigger responsibilities, such as relatively costly rent, utility bills, and other living expenses.

So, if you are a foreigner experiencing financial difficulty in Singapore, then this is the right loan for you.

Foreigner Loan Img


Low-interest rates from 1 to 4% only


Unsecured loan – No collateral/pledging of assets needed


No credit score checking

Foreginer Loan Img

Cost of living in Singapore is listed as one of the most expensive locations in the world for expatriates. But with this great opportunity of living in Singapore, comes bigger responsibilities, such as relatively costly rent, utility bills, and other living expenses.

So, if you are a foreigner experiencing financial difficulty in Singapore, then this is the right loan for you.

Here at Fortune Credit, we are committed to providing the fastest personal loan for foreigners or foreigner loans, approval is swift and efficient so you won’t wait for lengthy days wondering if you’ll get approved. We know how hard it is to reside in one of the most expensive cities in the world, that’s why we are here to help you during difficult times.

We are a certified licensed moneylender that operates under the rules regulated by the Ministry of Law. Fortune Credit’s mission is to help foreigners and expats to get the most suited foreigner loan in Singapore. We offer the best custom loan plans that will cater our client’s needs. You can be confident and secure that you have a buffer during the first few months of nesting.




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



At least 18 years old


Minimum monthly salary or income of SGD2,000 for foreigners





Work Permit / S-Pass / Employment Pass


Proof of residence (utility bill or tenancy agreement)s


Proof of employment (employment letter if your job is less than 3 months)


Recent 3 months payslip


Work Permit / S-Pass / Employment Pass


Proof of income (bank or account statement)


SingPass (to log into IRAS website)

Google REVIEW RATING Google 4.9 Stars

  • 5 star review  Very professional and a great positive attitude from them. I got great advice and service. Grateful they made the process stress free.

    thumb Brandon Smith

    5 star review  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 Customer

    thumb MAC TAN
  • 5 star review  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.

    thumb Jonas Santos

    5 star review  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!

    thumb Adam Koh

Feel Free to Borrow Anytime!


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Living in Singapore can be relatively costly. The good news is there is a financial institution like Fortune Credit that can provide financial help for your relocation expenses or for any expenditures that may occur.  If you need quick cash but want a low-interest rate loan, this is the perfect type of loan for expatriates like you.

Applying for a foreigner loan in the past has been difficult due to lack of credit score. Since a foreigner is new to Singapore, building a credit score won't be easy. However, recent amendments in the Ministry of Law have made it possible for any foreigner to borrow quick cash from licensed moneylenders is now swift and efficient. Foreigner loans application at Fortune Credit is now a breeze, we don't scrutinize the credit score of foreigners because we understand how hard it is to get a loan during emergencies.

First thing to check when applying for foreigner loans is to know if the moneylender is a licensed moneylender and not an "Ah long" or Illegal. These illegal money lenders also offer different Personal Loans and Foreigner Loans but they may trick you and trap you to the debt cycle.

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

Next, compare the best loans according to your budget and repayment capability. Don’t forget to check the customer satisfaction reviews on Loan Advisor and Google Reviews to check the customer satisfaction reviews.

With a minimum monthly salary of $2,000, Fortune Credit allows foreigners to borrow a loan amount up to 6 times their monthly income. 

To further explain, you can loan any amount with secured loans. For unsecured loans, please refer to the table below:

Borrowers’ Annual Income

Singapore Citizen and Permanent Resident

Foreigners residing in Singapore

Less than $10,000



At least $10,000 and less than $20,000


At least $20,000

6 times monthly income

6 times monthly income

All licensed moneylenders are only permitted to impose the following interest rates, charges and expenses:

  • 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 interest rate and charges imposed by a moneylender on any foreigner loan or any loan in Singapore, 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 a moneylender can charge on a foreigner loan in Singapore 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 that a moneylender can charge is 4% per month for each month the loan is repaid late.

The computation of interest rate charged on the loans for foreigners 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 rate can only be charged on an amount that is repaid late. The moneylender cannot charge on amounts that are outstanding but not yet due to be repaid.

The application process for a loan in Singapore is swift and efficient. We will be reviewing your documents like annual income and monthly income, unlike banks which require tedious documents and processes. You can expect to receive your borrowed money within an hour only, or upon the signing of the contract when you’re contacted to come in for the signing of the contract and other related documents.

Yes. Banks can allow you to borrow a bigger loan amount for much longer tenure with a different interest rate. The downside is that the process of releasing the money takes more time. 

Fortune Credit can give you the loan amount, usually, in just only an hour with a much easier loans application process, low-interest rate, and no hidden charges. The loan amount will also depend on your monthly and annual income. Our loan officers will help you each step of the way when applying for any foreigner loans.

The differences between a personal loan, foreign loan, and a payday loan are the loan amount you can borrow, requirements and eligibility, and the repayment period.

A personal loan allows you to borrow up to six months’ worth of your salary and let you repay monthly until the personal loan amount is paid off.

A foreigner loan is also a personal loan but especially dedicated to foreigners. The eligibility and requirements are different from Singapore nationals. 

On the other hand, a payday loan allows you to borrow up to only one month’s worth of your salary that must be paid back in less than a month.

Fortune Credit is among the top 10 legal moneylenders in Singapore and touted as the best moneylender in Bugis as well as Bras Basah.

Since 2010, we have been commended for being a financial agency that offers “comfortable, friendly, and efficient” borrowing experience. 

Fortune Credit is here to provide financial help to those in dire need of money. But what makes us different from other moneylenders is our reputation for being a warm, caring, and thoughtful institution. We understand that the overall process of borrowing money should be easy, relaxed, and unintimidating. 

True to our tagline “Feel Free to Borrow Anytime”, we vow to extend our financial help to those in need every single day.

Being in the industry for over a decade, we have established excellent customer service and achieved notable awards. 

Honours & Achievements

  • Regarded as among the top 10 licensed moneylenders in Singapore by Loan Advisor
  • Included in the list of top-performing legal moneylenders in Singapore by Top Brands

Reviews & Testimonials

  • Received excellent 4.9 stars from verified clients on Google Reviews
  • Commended as “friendly, efficient, and accommodating” by customers on Loan Advisor

Yes. However, your application will still be subject to evaluation to make sure that you don’t over-borrow and suffer from financial difficulties. 

Note: Unlike banks, Fortune Credit does not check credit scores when approving your personal loans.

What We Evaluate Are the Following: 

  • Ability to repay the foreigner loan
  • Certificate of employment
  • Proof of income
  • Other identification papers
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