Licensed Moneylender in Singapore

Cash in Hand. Same Date. Near Bugis.

When you need money fast, the last thing you want is a week of waiting and a bank rejection. Swift Credit is a Ministry and Law-licensed moneylender at Bugis. Apply via Singpass MyInfo in 2 minutes. Get your cash the same day you visit us.

MinLaw Licence No. 142/2025 | Reg. No.201716124H

2-Min Application

Authenticate via Singpass MyInfo for an instant in-principle decision. No manual forms.

Transparent Fees

Strictly regulated interest capped at 4% monthly. No hidden fees, no surprises.

MinLaw-Licensed

We prioritize your current ability to repay over past credit scores. High success for all.

100% Data Privacy

Your information is 256-bit encrypted and handled with absolute confidentiality.

5-Star Service, Verified by Thousands.

Join over 10,000 clients who have experienced the Swift difference in Bugis.

Our Loan Services in Singapore

Every loan we offer is governed by the Moneylenders Act 2008. All rates and fees are capped by law.

How Much Can You Borrow?

Your borrowing limit is set by MinLaw based on your annual income and residency status.

Borrower Type	Annual Income	Maximum Loan Amount
Singapore Citizen or PR	Below SGD 20,000	SGD 3,000
Singapore Citizen or PR	SGD 20,000 and above	Up to 6x monthly income
Foreigner with valid work pass	Below SGD 10,000	SGD 500
Foreigner with valid work pass	SGD 10,000 to SGD 19,999	SGD 3,000
Foreigner with valid work pass	SGD 20,000 and above	Up to 6x monthly income

Source: Ministry of Law — Guide to borrowing from licensed moneylenders

Personal Loan Calculator

Adjust the sliders to estimate your monthly instalment. All figures are indicative only. Your actual loan offer is confirmed at our office.

How to Get Your Loan in 3-Step

Fast, digital, and fully transparent. From application to disbursement in minutes.

Apply in 2 Minutes Online

Use Singpass MyInfo at swiftcredit.sg. Your identity and income details are retrieved automatically. No manual form filling needed.

We Call You Within the Hour

Our loan consultants review your application and contact you during office hours. We discuss your loan amount and repayment terms before you travel to our office.

Visit Us. Sign. Get Your Cash.

Come to 192 Waterloo St, #02-06 Skyline Building. Under MinLaw regulations, physical identity verification at our registered office is required before any loan can be disbursed. Sign your contract after we walk you through every term. Funds disbursed the same day - cash or bank transfer.

Since 2009

Serving Singapore

142/2025

MinLaw Licence No.

Skyline Building

192 waterloo st #02-06

About Swift Credit

Swift Credit is a professional licensed moneylender in Singapore, approved by the Registry of Moneylenders under the Ministry of Law. We have been serving Singapore residents, PRs, and foreigners at our Bugis office since 2009.

We believe borrowing should be straightforward. No confusing terms. No hidden charges. Every loan officer at Swift Credit walks you through your contract line by line before you sign anything.

Frequently Asked Questions

We believe in absolute transparency. Before you apply, get the facts on Singapore’s lending regulations and our streamlined digital process.

Q1: Is Swift Credit a legitimate licensed moneylender?

A: Yes. Swift Credit Pte Ltd holds MinLaw License No. 142/2025 issued by the Registry of Moneylenders under the Ministry of Law. You can verify our license directly at rom.mlaw.gov.sg

Q2: How much can I borrow from Swift Credit?

A: Your borrowing limit depends on your annual income and residency status. Singapore citizens and PRs earning below SGD 20,000 annually may borrow up to SGD 3,000. Those earning SGD 20,000 and above may borrow up to 6 times their monthly income. For foreigners: below SGD 10,000 annual income the cap is SGD 500, between SGD 10,000 and SGD 19,999 the cap is SGD 3,000, and SGD 20,000 and above the cap is 6 times monthly income.

Q3: What fees does Swift Credit charge?

A: Under the Moneylenders Act 2008, interest is capped at 4% per month on a reducing balance basis. The admin fee is capped at 10% of
the principal, charged once. Late payment fee is capped at SGD 60 per month. Total charges cannot exceed your principal amount.

Q4: How fast will I get my money?

A: Most applications submitted during office hours receive a decision the same day. Once your contract is signed at our Bugis office, funds are disbursed immediately – cash on the spot or bank transfer.

Q5: Can foreigners apply for a loan at Swift Credit?

A: Yes. EP, S Pass, and Work Permit holders may apply. You will need your passport, valid work pass, latest 3 months pay slips, and proof of Singapore residential address.

Q6: Do I need a guarantor?

A: No. All Swift Credit loans are unsecured. No guarantor and no collateral required.