Some financial emergencies give you no warning and no room to wait. Swift Credit is a MinLaw licensed moneylender at Bugis. Apply via Singpass MyInfo in 2 minutes. We will contact you within the hour. Cash disbursed the same day you visit us.
Banks are built for borrowers with time. A standard personal loan application at a Singapore bank moves through a credit scoring system, a document review queue, and an underwriting process. Most take between 3 and 7 business days to approve and disburse. Some take longer.
A government fine does not give you 7 business days. A hospital that needs a deposit before your family member’s procedure does not wait for a bank’s underwriting team. A delivery rider without a working vehicle loses income every single day the bike sits in the workshop.
Swift Credit operates differently. We review your application and call you within the hour during office hours. If you qualify, you come to our office at Bugis, sign your contract, and leave with your cash the same day.
We do not rely on your CBS credit score as the primary factor. Banks do. We check your MLCB record, which tracks your current outstanding balance across all licensed moneylenders in Singapore. We look at your income today and whether the repayment fits your current capacity.
A low CBS grade from old bank debt does not automatically close the door here.
The Moneylenders Act 2008 protects you regardless of how urgent your situation is. Interest rates, fees, and your right to walk away before signing are all protected by law. Urgency does not mean you accept bad terms. It means you need someone who moves fast within the rules.
Littering fines, smoking summons, traffic violations. Unpaid fines escalate. Pay it before it becomes a court matter.
A family member needs hospital treatment and the deposit is due before the procedure begins. Medishield covers part of it. The rest falls on you. Whether it is a parent covering a child or an adult child stepping up for an elderly parent, the hospital does not wait while you figure out the gap.
Your motorcycle or car is in the workshop. No vehicle means no income. Every extra day off the road is money you are not making.
Your landlord has given you a deadline. Missing it puts your tenancy at risk and your family's living situation at stake.
A disconnection notice with a payment deadline. Electricity, water, or internet that your household or business depends on.
A supplier is holding your goods until payment clears. The invoice was due yesterday. Your business cannot move until this is resolved.
Fees that must be settled before a fixed date to avoid further legal consequences.
A family member needs help and the cost cannot wait for your next paycheck to land.
Your borrowing limit is set by MinLaw based on your annual income and residency status. This is your total unsecured limit across all licensed moneylenders in Singapore combined.
Every licensed moneylender in Singapore operates under the same fee caps set by MinLaw. These are legal maximums. No licensed lender can charge above them.
A worked example on a SGD 5,000 urgent loan over 6 months.
Interest is calculated on the remaining balance after each repayment. Every payment you make directly reduces what the next month’s interest is calculated on.
Start your application via Singpass MyInfo or call us directly. We review and contact you within the hour during office hours.
Foreigners do not need a local guarantor at Swift Credit. Your application is assessed on your own income and employment status.
Join over 10,000 clients who have experienced the Swift difference in Bugis.
Takes 2 minutes. Your identity and income data are retrieved automatically from government records. No manual form filling needed.
Our team reviews your application and contacts you during office hours. We confirm what you qualify for before you travel to us. If you do not qualify, we tell you at this stage. You do not make a wasted trip.
Come to our office. MinLaw requires all loan contracts to be signed in person at our registered office. We walk through every term with you before you sign. You can walk away at any point at no cost. Funds are disbursed the same day after signing.
Start your application now using Singpass MyInfo, or contact us directly for assistance.
We call you within the hour during office hours to confirm your assessment.
Yes, if you apply and visit us during office hours on the same day. We contact you within the hour after your application is submitted. Once you come to our Bugis office, sign your contract, and complete the in-person verification required by MinLaw, funds are disbursed to you the same day.
Yes. Government fines, hospital bills, and other urgent costs that borrowers prefer to handle privately are among the most common reasons people come to us. Your loan details are handled confidentially. We do not ask why you need the money beyond understanding your repayment capacity.
Yes. Lost income from a vehicle that is off the road is a real and time-sensitive situation. Apply via Singpass MyInfo and we will review your application during office hours. Bring your proof of income and come to our office the same day if you qualify.
If you apply during office hours and qualify, you can have your funds the same day. The in-person signing at our office is required by MinLaw before any disbursement. That process is fast once your application has been reviewed.
No. Licensed moneylender loans are recorded in the MLCB system, which is entirely separate from your CBS credit report. Borrowing from Swift Credit does not appear on your CBS record and does not change your CBS grade.
You can submit your Singpass MyInfo application at any time. Our team will review it and contact you when office hours open. We are open Monday to Friday 11am to 7pm, and Saturday 11am to 6pm.
Yes. There are no early repayment penalties. If you make a full settlement before the end of the loan tenure, you may receive an interest rebate on the remaining months, which can reduce your total loan cost.
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