Payday Loan in Singapore for Short-Term Cash Needs

A payday loan is a short-term loan designed to bridge the gap between now and your next salary. You borrow a set amount, and repay it — with interest and fees capped under the Moneylenders Act — once your pay arrives, or over a short agreed tenure of up to 6 months.

Most applications are reviewed within 30 minutes once your documents are submitted. Final approval, identity verification and contract signing take place face-to-face at our approved premises, after which funds are typically disbursed to your bank account the same day.

Not necessarily. While some borrowers prefer a single full repayment on their next payday, we also offer short tenure options of up to 6 months. Use our calculator above to see how your repayments change across different tenures.

Late interest of up to 4% per month applies on the overdue amount, plus a late fee of up to S$60 for each month of late repayment. We strongly encourage borrowers to contact us as early as possible if they anticipate difficulty repaying. We will work with you to find a practical arrangement — we do not use any form of harassment or intimidation.

Yes, having an existing loan does not automatically disqualify you. Your application will be assessed based on your total debt obligations relative to your income. Our consultant will advise you on the maximum amount you can responsibly borrow given your current financial position.