Top 3 Chinatown Money Lenders Lowest Rates, Licensed & Reputable.

Looking for recommendations on the best Chinatown Moneylenders? You have come to the right place. Here at SG Top Choice, we compare multiple listings, to recommend you the best! 

Here are our Top 3 Chinatown money lenders with the lowest rates, good reputation, and of course, only licensed money lenders are reviewed by us. So rest assured and engage them with peace of mind! 


Top 3 Best Licensed Chinatown Money Lenders
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    Credit Empire Pte Ltd

    License Number: 28/2021

    Top Chinatown Money Lender for:

    Quick approvals in 30 mins. Low Interest Rates

    Contact Address
    Submit Enquiry Here 1 Park Road #01-16 People's Park Complex Singapore 059108 Reg No: 201718062R

    When we are in need of cash and looking for a money lender, the last thing we want is a barrage of questions and lengthy forms to fill up. This is what makes Credit Empire stand out on our list of top Chinatown money lenders. Known for their quick and easy processes, expect to get your loan approved in less than 30mins! Less than a time to watch one sitcom. 

    Besides this, they also offer flexible payment terms, as well as customisable payment terms. Which proves useful as we are all in different situations. So feel free to discuss with them! The friendly guys at Credit Empire have been around for many years and have built up a good reputation. Experienced and reliable, they are sure to be able to help you in any situation. Their low rates are also attractive and one of the lowest in Singapore we found. Get in touch with them today! 

    Customer Reviews:

    Horison Credit Pte Ltd

    License Number: 07/2021

    Top Chinatown Money Lender for:

    For people in need of emergency cash.

    Contact Address
    Submit Enquiry Here 1 Park Road #01-15 People's Park Complex Singapore 059108

    Established since 2008, Horison Credit has always believed in quality commitment, and improving their business practices for the benefit of their customers. They pride themselves on high levels of honesty, and dependable business ethics. In providing a wide range of loans, their business encompasses all areas that you might require a loan for. 

    With quick approvals, they are great for people in need of emergency cash. One of the largest variety of loan providers out there, the are therefore, your one-stop-shop and one of our top recommended choices for Chinatown Money Lenders

    Customer Reviews:

    A1 Credit Pte Ltd

    License Number: 24 / 2021

    Best Chinatown Money Lender for:

    High loan amounts up to 6X monthly salary. Customisable repayment plans

    Contact Address
    Submit Enquiry Here 2 Havelock Rd, #02-08 Havelock II, Singapore 059763

    A1 Credit has been around since 2009, and has won multiple awards over the years. They offer loans up to 6X your monthly salary. with quick approvals within one hour! This is great for loans such as medical, or emergency loans such as car repairs or renovations. 

    Offering flexible loan arrangements and repayment plans, they also allow people with bad credit history to qualify for loans. No more lengthy processes from banks only to get your loan rejected, A1 Credit eliminates those long waiting times and approves your loan in 1 hour. Which makes them one of our top recommended Chinatown money lenders. 

    Customer Reviews:
    Should I borrow from a Bank or Money Lender?

    So you are in need of cash. Be it for a car repair, or a renovation loan, or perhaps you are starting out a new business. What are some factors you should consider before you take up a loan? Read on to find out more. 

    Difference in amount they can lend. 

    Generally speaking, banks have the ability to lend larger sums compared to private money lenders. This is because money lenders usually are private companies with a smaller pool of funds and capital. Therefore if you are looking to borrow large sums of money for example such as a mortgage loan, a bank is usually a better option. 

    Interest Rates

    Perhaps the one most dear to us. When we take up a loan, we are the borrower. The lender will therefore impose an interest rate so they can make a profit. So what is the comparison like? Generally banks offer a lower interest rate for loans with an average of 3% – 7% per year depending on the bank and tenure. Money lenders charge a higher interest rate. So with a higher interest rate, why should you still consider a money lender? Which brings us to the next point. 

    Eligibility Criteria 

    The reason why you can consider a money lender, is due to their flexibility. The eligibility criteria to borrow from banks is much higher. And many people do not qualify and are unable to borrow from banks. With money lenders, this is more relaxed. the usual documents required are your proof of employment, income, and professional identity. 

    Credit Checks

    Our credit history plays a big role, when banks determine our eligibility of loans. This is due to the bank having to ensure we are able to pay back our loans, why is why they take into account the borrower’s credit history before deciding on how much, and whether to extend the loan to us. Money lenders on the other hand are more flexible when it comes to credit checks. They do check our employment and income, but that is pretty much it. 

    Wish to see how much you can loan from a money lender? At SG Top Choice, we compare to give you the lowest rates. One application and get multiple quotes. Get started here



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