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Bugis Credit

Bugis Credit Moneylender
(Product Review)

By Dawn Chew Bugis Credit

Updated January 1, 2026

The product information in the comparison table is updated daily. We also update the news, consumer information and market insights on this page regularly.

3.92%

Monthly Interest Rate

Cashback Rewards

Price Beat Guarantee

Varies
  • Monthly repayment shown uses an indicative rate of 3.92% per month. Depending on your lender, actual rates may range from 0.25-4% per month.

    • Processing Fee

    Up to 6x

    Monthly Income

    $288.67
  • Monthly repayment shown uses an indicative rate of 3.92% per month. Depending on your lender, actual rates may range from 0.25-4% per month.

    • Monthly Repayment

    Apply Now

    Current Moneylender Interest Rate Trends

    Today’s moneylender interest rate trends in Singapore – As of Thursday, January 1st, 2026, moneylenders in Singapore are charging an average monthly interest rate of 3.90%

    Product Review

    Bugis Credit is a top-rated licensed moneylender in Singapore, known for providing fast, reliable and transparent financial solutions. They offer a wide range of loan products, including personal, payday, foreigner, business, CPF and renovation loans. Bugis Credit boasts a quick approval process, often within 30 minutes and competitive interest rates.

    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

    Bugis Credit’s customer-centric approach is evident from numerous positive Google reviews and awards, such as the “Singapore Outstanding Enterprise Award” and recognition from Seedly, a popular financial blog. This commitment to customer satisfaction ensures a smooth and secure loan experience. Their 13-year track record reflects their commitment to providing efficient and trustworthy financial solutions.

    List of Licensed Moneylenders in Singapore (January 2026)

    All moneylenders listed below are authorised to operate legally in Singapore under the Moneylenders Act. They adhere to strict regulations set by the Ministry of Law including caps on interest rates, fees and ethical lending practices. Always verify a moneylender's license on the Ministry of Law's official website before proceeding with any loan application.

    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
    Vera Capital
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.6  
    $1,060.58
    Check Eligibility
    Swift Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    HS 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
    Katong Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Jefflee Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.4  
    $1,060.58
    Check Eligibility
    Bugis Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    118 Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Aero Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.3  
    $1,060.58
    Check Eligibility
    101 Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Show All Lenders

    *Today's Moneylenders Rates - 1 January 2026

    Bugis Credit Application Requirements

    To apply for a loan through Bugis 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.

    Bugis Credit Highlights

    • 4-Step Process

    Simple and efficient loan application process involving a quick online form, loan assessment, in-person verification and immediate fund disbursement.

    • Quick Approval

    Loan processing and approvals often completed within 30 minutes.
    an

    • Diverse Loan Options

    A variety of loan products tailored to meet different financial needs.

    • Competitive Interest Rates

    Transparent and affordable rates.

    • Highly Rated

    Numerous positive Google reviews highlighting excellent service.

    Frequently Asked Questions

    What is the process at Bugis Credit?

    Bugis Credit offers a streamlined application process via their website, focusing on swift approvals and excellent customer service. Professional loan officers assist borrowers through each step.

    Which types of loans are available at Bugis Credit?

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

    What is the typical approval time for a loan?

    Approvals are usually completed within 30 minutes to one business day.

    Is Bugis Credit a legitimate moneylender?

    Yes, Bugis Credit is a licensed moneylender regulated by Singapore’s Ministry of Law.

    What documentation is required for loan applications?

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

    What are the income requirements for foreigners seeking a personal loan?

    Foreigners need an annual income of S$40,000 to S$60,000 for a bank loan. However, at Bugis Credit, even those with less than S$10,000 annual income can borrow up to S$3,000.

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