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A1 Credit

A1 Credit Moneylender
(Product Review)

By Trinh Thanh A1 Credit

Updated January 15, 2026

The product information in the comparison table is updated daily. We also update new insights, reviews and product information on a regular basis.

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 15th, 2026, moneylenders in Singapore are charging an average monthly interest rate of 3.98%

    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 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
    365 Credit Solutions
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    A1 Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    EZ Loan
    Address
    1.99%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $945.02
    Check Eligibility
    Sands Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.6  
    $1,060.58
    Check Eligibility
    Soon Seng Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Happy Cash
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Unlimited Finance
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.8  
    $1,060.58
    Check Eligibility
    Abm Creditz Singapore
    Address
    3.9%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,059.35
    Check Eligibility
    SKM Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.4  
    $1,060.58
    Check Eligibility
    Crawfort
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.8  
    $1,060.58
    Check Eligibility
    Show All Lenders

    *Today's Moneylenders Rates - 15 January 2026

    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.

    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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