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A1 Credit

A1 Credit Moneylender
(Product Review)

By Dawn Chew A1 Credit

Updated December 23, 2025

Launch Application
6 times monthly income

Max. Loan Amount (Singaporeans)

6 times monthly income

Max. Loan Amount (Foreigners)

1 – 4%

Monthly Interest Rate

Current Moneylender Interest Rate Trends

Today’s moneylender interest rate trends in Singapore – As of Tuesday, December 23rd, 2025, moneylenders in Singapore are charging an average monthly interest rate of 3.78%

Product Review

A1 Credit is a licensed moneylender in Singapore offering fast and reliable financial solutions. As a company fully compliant with Singapore’s Moneylender’s Act, A1 Credit SG has established itself as a trustworthy and professional financial service provider. Their commitment to regulatory standards underscores their dedication to ethical lending practices.

The moneylender provides a range of loan products, including personal, payday, foreigner, business, bridging, CPF, and renovation loans. Known for their efficient approval process, competitive interest rates, and transparent terms, A1 Credit prioritises customer satisfaction with a commitment to secure and confidential transactions.

Their streamlined online application process ensures borrowers receive funds quickly, often within 30 minutes. A1 Credit has received numerous accolades and positive Google reviews, including the “Promising SME 500” award and the “Singapore Enterprise Award.

Compare Loan Offers
from 20+ Lenders
Up to 1% Cashback*
$20 Grocery Voucher*
Quick 5 Minutes Approval

$1,000

$200,000

3 Months

72 Months

Total Cashback

10

Your monthly payment

337

Rate Disclaimer*

*Based on a $20,000 loan at 6.95% APR over 5 years, read more

For those seeking a straightforward and dependable borrowing experience, A1 Credit SG stands out as a reputable choice. Their customer-centric approach make them a go-to option for individuals and businesses in need of prompt and reliable financial assistance.

List of Reputable Licensed Moneylenders in Singapore (December 2025)

Loan amount must be between 500 and 100,000.
Tenure must be between 1 and 60 months.
All
All
ROSHI Approved
Low to High
Low to High
High to Low
Sands Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.6  
$1,060.58
Check Eligibility
I Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
Aero Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.3  
$1,060.58
Check Eligibility
Orange Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
Crawfort
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.8  
$1,060.58
Check Eligibility
Max Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.1  
$1,060.58
Check Eligibility
1st Credit SG
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
Dio Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
Winz Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,060.58
Check Eligibility
Cash Mart
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
Show All Lenders

*Today's Moneylenders Rates - 23 December 2025

Quick Credit Application Requirements

To apply for a loan through Quick Credit, you need to:

  • Be at least 21 years old
  • Have a valid NRIC, Passport, or Foreign Identification Card (FIN)
  • Provide proof of income (e.g., payslips, CPF statements, or bank statements)

PROMOTIONS

APPLICATION PROCESS

  • Apply & Submit

    Start your loan application journey with our quick online application multistep form—it takes just 30 seconds to complete. Our advanced technology and expert loan specialists work together to match you with suitable options on our platform

  • Document Upload

    Provide the necessary documents: your last 3 pay slips, a credit report from CBS or MLCB, and your IC/FIN details. Upload these files through your dashboard or email them to [email protected]

  • Application Review

    Our dedicated customer success team will carefully examine your application, contacting you if any additional information is required. Once we’ve verified your details, we’ll begin the process of matching you with appropriate lenders and loan options.

  • Compare Offers

    Compare loan offers in real-time through your application dashboard. Our customer success team is available to discuss loan details.

  • Lender Appointment

    After you’ve selected a loan option, we’ll assist in arranging an appointment with the chosen moneylender. Note that for moneylender options, assessment and disbursement must be completed in person at their branch.

  • Funds Disbursement

    Once you’ve agreed on the loan terms and signed the contract, you’ll receive a copy of the agreement. This document will outline your monthly payment schedule. Your funds will then be disbursed either in cash or via bank transfer.

A1 Credit Highlights

  • Fast Approval

Loan processing and approvals often completed within 30 minutes.

  • Diverse Loan Options

A wide range of loan products tailored to meet different financial needs.

  • Competitive Interest Rates

Transparent and affordable rates.

  • Simple Application

Easy online application process with minimal paperwork.

  • Secure Transactions

Ensures privacy and security of personal information.

  • Positive Review

High number of positive Google reviews highlighting customer satisfaction.

Personal Loan Calculator

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Frequently Asked Questions

How does A1 Credit operate?

A1 Credit offers an efficient loan application process through their website, focusing on fast approvals and customer satisfaction. Their professional loan officers guide borrowers through the process.

What types of loans does A1 Credit offer?

Borrowers can apply for personal loans, payday loans, foreigner loans, business loans, bridging loans, CPF personal loans, and renovation loans.

How long does it take to get a loan approved?

Loan approvals can be completed within 30 minutes to one business day.

Is A1 Credit a licensed moneylender?

Yes, A1 Credit is a licensed moneylender regulated by the Ministry of Law in Singapore.

What documents are required to apply for a loan?

Applicants must provide a valid ID (NRIC, Passport, or Foreign ID) and proof of income (payslips, CPF statements, or bank statements).

If you’re a foreigner, what income do you need to take a personal loan from a bank in Singapore?

If you're a foreigner, you'll need to have an annual income of at least S$40,000 to S$60,000 to take a personal loan from a bank in Singapore. However, at A1 Credit, even if you have an annual income of less than S$10,000, you can still borrow up to S$3,000.

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