Payday Loan

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%
  • No credit score checking
Woman With Coins Payday Loan

If your financial emergency can’t wait for the next payday, Fortune Credit’s payday loan is a friend you can rely on. With up to a month’s worth of your salary, the loan can help you with your short-term financial crisis. Conveniently pay on your next payday!

Apply for a loan in 3 easy steps

Step 1 : 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

Step 2: 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.

Step 3: Receive Your Cash on the Same Day

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


  • At least 18 year old
  • Minimum salary of SGD1,500 for local & PR
  • Minimum salary of SGD2,000 for foreigner

Documents Requirements

Local and Permanent Residence

  • Minimum salary of SGD1,500
  • 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)


  • Minimum salary of SGD2,000
  • 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
  • SingPass (to log into IRAS website)


Google 4.9 Stars

Fortune Credit: Fast Cash Legal Moneylender Personal Loan Singapore Bugis IconFortune Credit: Fast Cash Legal Moneylender Personal Loan Singapore Bugis

470 North Bridge Road, #02-01A Bugis Cube

4.8 139 reviews

  • Avatar Jonas Santos ★★★★★ a week ago
    Very good customer service. The requirements are specific and they will explain everything you need to … More know. Also, you can get the approved loan amount within the day. Highly recommended.
  • Avatar Ash Koh ★★★★★ a month ago
    I could say the experience of this place gives me good vibe from the start. Clean, professional looking. … More 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!
  • Avatar Ivan Tan ★★★★★ 2 weeks ago
    Friendly, understanding, provide professional advise. The staffs assist me to get thru the form and … More explain clearly.
    Well done keep it up
  • Avatar Joe ★★★★★ 6 months ago
    Strongly recommend Fortune Credit. Miss Albee and her colleagues are very patience, understanding, dealing … More in a professional service especially dealing with credit loan. Albee is positive , experience and she explained clearly and slowly in detailed about licensed credit. Albee can explain clearly step by step in details. Before coming to the office, Albee reviews your background to understand more about you.
    So she can help you more to solve your finance. Albee is very responsive and she smiles all the way.
    I strongly recommend Albee is BEST 5 STAR for Fortune Credit.
  • Avatar Tom Teo ★★★★★ 2 weeks ago
    Dan has been very helpful and he projects prodessionlism throughout the process by explaining each details. … More Whenever I need a loan, the first company that comes to my mind will be Fortune Credit.

Make a Deal

Feel Free to Borrow Anytime!

Get a free consultation and quote from our professional loan officers now!

Payday Loan FAQ

Fortune Credit’s payday loan lets you borrow up to one month’s worth of your salary. This loan is designed to help you with your short-term financial crisis and must be paid on your next paycheck.

Financial emergencies are inevitable and they can happen anytime. Fortune Credit understands this emotional and financial stress. That's why at Fortune Credit we provide the best payday loan in Singapore. So, if you need cash immediately, think of payday loans as a way to have your salary on hand in advance. However, the borrowed money must be paid back when you receive your next paycheck to avoid penalties. Payday loans in Singapore provided by licensed moneylenders like Fortune Credit is your financial boost to tide you up for a short period of time if you are in need of quick cash we always got you covered!

The differences between a personal loan and a payday loan are the loan amount you can borrow 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.

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. The quick cash act as a bridge to get you out of your financial crisis.

Applying for payday loans can help you remedy your failing credit rating. You may wonder how? Well, each time you apply for a loan in a licensed moneylender, the credit bureau is notified. And once you repay this loan then it provides positive feedback to the credit authorities giving off a good record to the credit bureau, therefore, increasing your credit standing.

Fortune Credit is a licensed moneylender in Singapore that offers the best payday loans, it is our mission to help borrowers to ease their financial difficulties by providing quick cash, so whether you fell short on your monthly funds, our quick cash remedies will substantially help you solve your cash problems.

Some of the advantages includes:

  • Quick cash for emergencies
  • Low-interest rates from 1 to 4% only
  • No credit score checking
  • Borrow up to one month's worth of income

Please note that you must pay the borrowed money in less than a month or on your next paycheck to avoid penalties. We encourage responsible borrowing so you won't suffer from additional financial troubles.

You can visit the Ministry of Law’s for the full list of licensed moneylenders in Singapore to verify if the moneylender is licensed or not. Fortune Credit’s license number is 33/2020 listed in the Registry of Moneylenders. Fortune Credit is among the top 10 legal moneylenders in Singapore and touted as the best moneylender in Bugis as well as in Bras Basah.

All licensed moneylender is only permitted to impose the following charges and expenses on payday 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 licensed moneylenders 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 a licensed moneylender 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 that a licensed moneylender 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 moneylender cannot charge on amounts that are outstanding but not yet due to be repaid.

With a minimum salary of $1,500, Fortune Credit’s payday loans allow you to borrow up to one month’s worth of your monthly income. 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



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

At least $20,000
6 times monthly income
6 times monthly income

The loan application process is swift and efficient. You will receive your borrowed money within an hour, or upon the signing of the contract in our office.

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.

Fortune Credit offers the best payday loan in Bugis and Bras Basah, Singapore. It is located at 470 North Bridge Road #02-01A Bugis Cube Singapore 188735. It is open daily from Monday to Sunday. Operating Hours: Mon-Fri: 11:00am – 8:00pm | Sat-Sun: 11:00am – 5:00pm

Banks usually reject the application due to low or bad credit history. We complete an evaluation of your capability to repay the loan depending on your current financial condition. In other words, the assessment is not based on your credit history. In general, you only need to prove that you have a steady source of income to repay the loan.

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

Simply click here to apply a loan online and you won’t be disappointed.