We’ve got you covered.

So take the first step towards financial freedom now.

Easy application

Takes you 10 minutes through Singpass.

Fast approval time

Get your money on the spot in 30 minutes.

No hidden fees

We are transparent and honest. No sky-high interest rates here.

Google My Business Reviews

Here’s why people love us.

G8me Play
G8me Play
August 8, 2023.
I was served by Xin Yee, she assisted me to work out the loan and explained in a simple manner for a layman person like me to understand. Thanks a lot!
Chee Phooi fun
Chee Phooi fun
August 7, 2023.
Thanks Ms Xin Yee for the good service and smooth transactions. Will come back again😊
Auriel Sicat
Auriel Sicat
August 5, 2023.
Service and People are Very nice, they explain everything. I recommend Horison Credit PTE LTD for who needs loan.
chingyang ng
chingyang ng
August 3, 2023.
xim yee 效率不错 👍非常棒
AUNG NYI
AUNG NYI
August 3, 2023.
Officer Xin Yee is a positive and constructive individual who displays a genuine willingness to help others. They exhibit a level of ease and comfort in their interactions, making others feel at ease as well. When offering assistance, they do so with patience, taking the time to explain things clearly and thoroughly, ensuring that others understand the information or guidance provided.
Evergreen Evergreen
Evergreen Evergreen
August 1, 2023.
explained well about policies and easy to deal with mr zifeng
Sahlan Demon
Sahlan Demon
July 29, 2023.
Good service and very honest service from zifeng
Toh jin cai
Toh jin cai
July 28, 2023.
Support xin yee best service
Sugu Mgr
Sugu Mgr
July 28, 2023.
Good and friendly guy zifeng
Freddie Chng
Freddie Chng
July 25, 2023.
Zi Feng very prompt and efficient explain clearly on the loan details

Customised Loan Solutions

We’ll work something out based on your finances.

Foreigner Loan

The most successful businesses started with a dream. Turn that into reality with our foreigner loan.

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Car Loan

Ferry the kids around, go for late-night drives, drop your parents off –our car loan is the first step to getting your own set of wheels.

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Renovation Loan

Your home just needs a quick fix to make it your dream abode – let us help you with our renovation loan.

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Steps

Getting started is easy.

1

Submit application

Complete the loan application form and hit on the submit button.

2

Getting approval

Wait for the processing & receive your application status within 24 hours.

3

Collect your money

Sign on the agreement at our outlet and collect your money.

Blog

Stay updated with our useful tips and articles.

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Frequently asked questions

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A licensed money lender is an entity that holds a moneylending license. All licensed lenders are regulated by the Ministry of Law (MinLaw).

To operate a moneylending business in Singapore, a licensed money lender must abide by the Moneylenders Act and Rules.

A licensed money lender in Singapore that flouts these rules knowingly risks getting its license suspended, a jail term, or both.

A licensed money lender can be found on the Ministry of Law’s list of licensed money lenders.

A lot of unlicensed lenders or loan scammers may replicate the websites of legitimate lenders, so check a lender’s details (address, phone number and URL) against MinLaw’s list.

There are a wide variety of loans offered by licensed money lenders in Singapore. But all of them fall into two categories – secured and unsecured loans.

Secured loans are backed by collateral such as a property or car. Unsecured loans do not require collateral.

A licensed money lender is taking more risk by making a borrower’s credit report a less important consideration than banks.

This is why a licensed money lender’s credit checks are typically less rigorous than banks.

As a result, licensed money lenders bear more risk than banks as there is a higher chance a borrower with a poor credit score may default.

To compensate for this risk, the interest charged by licensed money lenders tends to be higher than that of banks.

In general, banks have a low risk appetite compared to money lenders.

Yes, we should be able to work something out with you. But please note that according to the Total Debt Servicing Ratio (TDSR), which regulates a Singaporean’s loan-to-income ratio, your monthly debt expenses should not exceed 55% of your income. 

The TDSR is calculated by dividing your debt obligations by your gross monthly income and multiplying by 100. 

We will also take the debt-to-income ratio when calculating the loan amount you can borrow. This compares your total monthly debts to your monthly pre-tax income.

If you have all the requisite paperwork done, we can give you the money on the spot in 30 minutes or a day.

Don’t wait – apply for a loan now.
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