Best Licensed Money Lender in Singapore

Apply anytime, anywhere with our 24 hours online loan application form, or streamline the process using Singpass Myinfo for automatic form filling with secure data from various government agencies.

It’s safe, quick, and straightforward! Experience the ease of applying with GS Credit today!

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6 Advantages of Choosing GS Credit

Online fast application

Available online 24 hours with minimal paperwork. Apply effortlessly in just a few minutes.

Quick approval

All loans are processed within one hour.

Competitive rates

One of the lowest rates in Singapore to help you overcome all your difficulties.

Immediate disbursement

Money disbursed once your loan has been approved.

Expert staff

Professional loan officers with in-depth knowledge to guide you.

Everyone’s welcome

Get the best financial assistance here, no matter who you are.

Why Choose GS Credit?

Being one of the top licensed money lenders in Singapore, we are proud to offer loan packages of low interest rates and flexible loan repayment terms. As a proud member of the Moneylenders Association of Singapore, we constantly strive to ensure that the highest standards in professionalism and transparency are met. Trusted by thousands in Singapore, we welcome everyone!

Type of Loans Available

Personal Loan

Foreigner Loan

Debt Consolidation Loan

Wedding Loan

Business Loan

Home Renovation Loan

Medical Loan

Personal Loan

Are you cash-strapped and need money as soon as possible? Apply for a personal loan with us and get the cash you need in an hour. Don’t worry, you are not restricted to any form of usage. Use the money to solve financial emergencies or pay your bills!

Offering 100% transparency and the best interest rates, we process your application within the hour – much faster than any bank on the island. Find Out More


  • For urgent financial needs
  • Quick disbursement
  • Fast processing

Foreigner Loan

If you’re a foreigner in Singapore, you know that most banks won’t approve your loan applications. Their stringent requirements make it difficult to get a loan approval.

GS Credit offers you an alternative. We understand that everyone can face difficulties, regardless of their nationality. Our customised foreigner loan can put you on the path to overcome your financial struggles by tomorrow. Find Out More


  • High approval rate
  • Quick disbursement
  • Minimal paperwork

Debt Consolidation Loan

Do you have multiple loans or multiple credit card debts? The snowballing interest rates from multiple loans increase your monthly instalments to unfeasible limits. Inflexible terms also make repaying your dues challenging so that you’re spiralling into more debt. These accumulated financial obligations strain both your finances as well as your mental outlook. Our debt consolidation plans will help you solve these problems. We’ll reorganise your multiple loans into a single one with flexible repayment terms and minimal interest. That way, you can budget better and decrease the stress in your life.

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  • Flexible tenures
  • Low interest rates
  • Stress-free budgeting

Wedding Loan

Getting married to the love of your life is a beautiful event! However, the cost of a wedding in Singapore can be extremely high. Couples have to consider the prices of wedding dresses, wedding venue rental, food, photography and more. Young couples may find it tough to afford.

GS Credit offers wedding loans to help couples arrange the best wedding for themselves! Find out more about our professional financial services today. Find Out More


  • Customised packages
  • Large loan amounts
  • Low interest rates

Business Loan

If you’re a small business owner, you know that your company depends on things you can’t always control. Unforeseen shifts in the market, broken equipment or a client that keeps postponing bills can destroy your business.

But our personalised business loans will help overcome these difficulties. You can use these loans for a slew of purposes, from paying your bills to repairing faulty machinery or investing in your staff’s training. Our expert agents will help you identify your business goals to solve them with this loan. Find Out More


  • Personalised loans
  • Versatile uses
  • Expert assistance

Home Renovation Loan

Renovating your home can be crucial in some instances, such as a new baby, an elderly relative moving in, or extensive repairs to your pipes. Whether you need wheelchair ramps, a baby room, or complete restorations in your home, you can come to us.

We believe that everyone deserves to live in a safe, welcoming home, so we’ve tailored personalised home renovation loans that fit all your needs. We’ll disburse your cash quickly so that you can start arranging your dream home today. Find Out More


  • Quick cash disbursement
  • Customised packages
  • Versatile uses

Medical Loan

Medical issues are sensitive and often sneak upon us. If you’re living on a tight budget, you may not have the necessary funds to cover medical expenses. Conversely, allowing your condition to aggravate leads to increased medical and financial issues.

That’s why you should choose our fast and customised medical loan. Whether you’ve been in an accident, suffer from chronic illness, or need a second expert’s opinion, our affordable repayment schemes will help you deal with your medical emergency quickly. Find Out More


  • Affordable rates
  • Quick loans
  • Versatile uses

What our clients say about us

View all of GS Credit’s customer reviews.

3 Simple Steps

To Receive Your Loan Now!

Submit our online application form. It only takes 3 minutes!
Receive your application results from our loan officers within the hour.
Head down to our office premise, sign the loan contract and receive your loan instantly.
Apply Now

Frequently Asked Questions

Some common questions about GS Credit

How are your personal loans different from banks?

Compared to banks, GS Credit’s personal loans stand out due to our:
  • Speed
  • Simple application process
  • Quality of service
We pride ourselves in providing you with a personal loan in the shortest time possible, so that you will be better able to cater to your needs. This is why we speed up our loan application process by simplifying it into 3 simple steps. Additionally, we do not go through tedious checks and do not require multiple document submission in order for you to receive your loan. Ultimately, our experienced loan officers will be happy to guide you through your loan application and provide you with professional advice on how to receive the best personal loan package for your needs.

What are your available loan repayment frequencies?

Loan repayments for GS Credit are made monthly.

What happens if I am unable to repay the loan on time? Can I get a loan extension?

In such scenarios, you can opt to discuss your financial situation with any one of our loan officers. They will then access your situation and if possible, grant you with a loan extension.t

Can I know what is the maximum loan amount that I can borrow?

You can borrow up to 6x your monthly income.

I have a poor credit score. Do you provide loans to those with bad credit?

Yes, we do! At GS Credit, we believe that everyone should have equal access to credit. This is why we do not turn away borrowers with poor credit.

What kind of loan tenures do you offer?

We offer loan tenures up to 36 months, to ensure comfortable repayment for all our borrowers.

Do you charge any loan upfront fees?

Absolutely not! We do not charge any upfront fees. If there are instances where additional fees are required, they will all be made known to you.

Must I purchase a credit bureau report prior to loan application?

No, you do not have to. Our loan officers can help to purchase the credit bureau report on your behalf when you apply for a loan in our office.

What should I consider before taking up a loan with GS Credit?

Taking up a loan is a form of commitment and requires discipline to ensure that you do not fall behind your monthly repayments and incur additional fees. You should: Ensure that you are clear of all the details on your loan contract before you sign on it. Once you have signed the contract, you will be legally obliged to fulfil the loan contract that you have entered into with the moneylender. Evaluate your financial situation to ascertain whether you are able to handle the loan and work out a concise plan on how you will be able to afford the monthly repayments. Understand that late payment fees and interest will be charged should you fail to make timely repayments. Fully understand the terms & conditions stipulated in the loan contract, especially your repayment schedule, interest rate charged and any additional fees applicable. Look around for a moneylender that suits your needs best and can afford you a comfortable loan tenure with manageable monthly repayments.

How do I make payment for my loan?

You can make your loan repayments via GIRO, bank transfer, or visit us at our office.

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