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.

Personal Loan

For personal needs. This loan can be used for home renovation, medical emergency, or that once-in-a-lifetime vacation.

Excellent 5/5

90 Reviews on

Loan Advisor

Personal Loan Img


Low-interest rates from 1 to 4%


Unsecured loan – No collateral/pledging of assets needed


Flexible repayment tenures

Personal Loan Img

Fortune Credit’s personal loan is an unsecured loan that can cover your needs as well as your little pleasures. With the loan amount up to 6 times of your salary, this personal loan in Singapore can provide you the loanable amount which can surely help sustain your needs or help fulfil your wishlist.

Personal Loan Img


Low-interest rates from 1 to 4%


Unsecured loan – No collateral/pledging of assets needed


Flexible repayment tenures

Personal Loan Img

Fortune Credit’s personal loan is an unsecured loan that can cover your needs as well as your little pleasures. With the loan amount up to 6 times of your salary, this personal loan in Singapore can provide you the loanable amount which can surely help sustain your needs or help fulfil your wishlist.




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 year old


Minimum salary of SGD1,500 for local & PR


Minimum salary of SGD2,000 for foreigner




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)




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)

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!


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A personal loan is an unsecured loan that can lend you up to six months’ worth of your salary and can be paid back by monthly instalment. The monthly amount of payment depends on the terms and conditions of your loan contract.  Fortune Credit can assure borrowers that these personal loans in Singapore are tailored to each client's needs and demands. There are no extra charges or hidden fees being imposed by Fortune Credit with. All interest rates and fees will be thoroughly discussed upon signing the contract.  Here are some helpful ways a personal loan can help you:  
  • Paying off credit cards or debt
  • Availing home improvement products and services
  • Funding travels
  • For overall health and wellness
  • Paying for education
  • Planning for wedding

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 loan offers 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.

All licensed moneylender that is offering personal loan 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 licensed moneylenders on personal loans in Singapore, consisting of interest, late interest, processing fee or 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 for personal loans 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 personal loans 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 personal loans 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 licensed moneylender cannot charge on amounts that are outstanding but not yet due to be repaid.

For best personal loans offered by Fortune Credit, each best personal loan can lend you up to six months’ worth of your income. Depending on your assessment and requirements, we always give the best optimal amount of loan to our clients.

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

Borrower’s annual incomeSingapore Citizens and Permanent ResidentsForeigners residing in Singapore
Less than $10,000


At least $10,000 and less than $20,000$3,000
At least $20,0006 times monthly income6 times monthly income

To get the best personal loan, you may use personal loan comparison sites online, such as Loan Advisor

Fortune Credit adheres with the Ministry of Law, ensuring you that it practices legal lending and only charges the allowable interest rates and processing fees. The interest rate applied is up to 4% only.  Note that charges like interest rate, processing fees, and other charges are in compliance with the Ministry of Law strict regulations.

The application process at Fortune Credit is swift and efficient. Whenever you apply for a personal loan with Fortune Credit, you will receive your borrowed money within an hour, or upon the signing of the contract in our office. Upon signing the contract or during the interview, charges like interest rate, processing fees, and other fees will be thoroughly discussed, any questions regarding these fees will be answered by our friendly and professional loan officers.

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. 

However when it comes to charges like interest rate, processing fee, and other charges. Both follow the same protocols as regulated by the Ministry of Law. These charges like interest rate and processing fees can be found on the Ministry of Law website.

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 with minimal interest rate, usually, in just only an hour with a much easier loans application process, low-interest rate, and no hidden charges.

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, instead we evaluate your ability to repay the loan.

What We Evaluate Are the Following: 

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

Aside from our excellent customer service, minimal interest rate and processing fee, the following are the benefits of Fortune Credit’s personal loan:

  • Low-interest rates from 1 to 4% only 
  • Flexible payment terms
  • Unsecured loan - No collateral/pledging of assets needed
  • Borrow up to 6 times worth of monthly income

Please note that whenever you apply for a personal loan, there are also disadvantages that you need to consider. We listed the following:

  • You may over-borrow. If you need only a 1 month’s worth of your salary, you may opt for a payday loan for a quick cash advance
  • You may also be enticed to consolidate all your debts. Responsible borrowing is borrowing only what you can afford to pay back.
  • Being not able to pay back the personal loan will incur interest rates and late payment fees aside from the one-time processing fees, this can turn into a debt cycle.

Fortune Credit offers the best personal 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

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 mission “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
  • Make sure the lender delivers to you the correct principal amount of the loan or actual loan amount. The lender is only permitted an upfront processing fees  deduction of a loan approval fee of up to 10% of the principal amount. Please note this is only one-time processing fees applied to all loans.
  • Pay the loan instalments on time to avoid incurring late payment fees, additional interest rate and late interest rate. All interest rates that will be discussed during the assessment and signing of loan contract.
  • 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 payment of the loans.

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.

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.

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.

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, SMSs, 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.

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