You know the feeling.

Every single bank you approached has turned down your loan application because of your record of bad credit in the past.

You’re feeling hopeless but don’t know how to improve your credit score so you can increase your chances of getting a loan.

Never fear – you can apply for the Bad Credit Loan by Horison Credit.

We can overlook your bad credit and help you get the money you need.

Find out how. Apply now for the Bad Credit Loan using your Singpass.

What is a bad credit loan used for?

Quite simply, it is an unsecured loan for borrowers who have difficulty getting loans due to their bad credit. It is a viable option for you if you have been turned down by multiple banks and lenders because of your bad credit. We believe everyone needs a second chance.

How much is a bad credit score?

The credit scoring system from Credit Bureau Singapore (CBS) indicates that anything close to 2,000 is a good score. Anything that is close to 1,000 would be a sign of bad or poor credit. CBS also provides a risk grade along with the credit score. AA indicates a borrower is least likely to default on a loan, while HH suggests that the risk of defaulting is the highest.

Why would a bad credit score affect my chances of getting a loan?

Banks have a low risk appetite. So they are not likely to grant a loan to a borrower with a low credit score and a HH risk grade as the risk of defaulting on a loan is very high.

Can I still be considered for a loan even if my credit is bad?

Yes. At Horison Credit, we review all borrowers’ applications on a case-by-case basis. Instead of rejecting a borrower with bad credit immediately, we assess his or her financial situation and try to work out something.

Since my credit is so poor, will I have to put up collateral and get a secured loan instead?

No, you don’t need to. Not only is our bad credit loan fast and flexible, it is an unsecured loan – so no collateral is needed.

What are the benefits of a bad credit loan?

You can use the money for emergencies, daily expenses, or to pay for your child’s school expenses. It can also help you improve your credit score if you manage to pay off the bad credit loan successfully.


Getting started is easy.


Submit application

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


Getting approval

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


Collect your money

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