Short Term Loans in Singapore for All Financial Emergencies
At Credit Empire, we offer legal and low-interest short term loans in Singapore. As a licensed moneylender registered with the Ministry of Law for over 20 years, you can count on us to deliver transparent long and short term lending solutions.
99% loan approval rates
Cash disbursals in 30 minutes
Transparent rates and fees
Why Choose Credit Empire’s Short Term Loan in Singapore?
Taking up short term loans online (or offline) is ideal when you need cash quickly and prefer to pay it off in a few months. At Credit Empire, we keep short term lending simple, clear, and tailored to our clients.
| We’re Experienced
We have provided financial solutions for 20+ years as a licensed short term loan lender. |
Competitive Rates
Our short term loan’s interest rate is below 4% a month, calculated on a reducing balance. |
Fast Approvals
Approved clients often receive their short term loan’s funds within 30 minutes of applying. |
Inclusive Eligibility
We welcome anyone aged 18 or older and employed in Singapore to apply for a loan. |
| Transparent Fees
We disclose and explain all charges and fees before you commit to a loan offer. |
Full Flexibility
Our short term loan is unsecured, so you don’t have to pledge collateral when applying for it. |
Flexible Repayments
Choose a loan tenure and repayment plan that suits your budget and financial situation. |
Complete Privacy
Discuss your finances with us in confidence at our office’s private consultation rooms. |
Reviews for Our Short Term Loan in Singapore — And More
Read our clients’ reviews to see why Credit Empire is among the top licensed short term lenders in Singapore. With ~600 five-star reviews, our dedication to providing excellent service and helping you resolve your financial struggles is second to none.
We’re Conveniently Located in Orchard Road
Find us at Lucky Plaza, which is within walking distance of Orchard MRT station. Our office boasts private consultation rooms so you can discuss your loan discreetly. What’s more, your personal data is protected with industry-standard encryption and strict confidentiality measures.
Apply for a Short Term Loan in 4 Steps
1. Submit an Application
Send us an application form online at any time! Alternatively, visit us in person during office hours. If you’re dropping by, bring along all the necessary supporting documents to streamline your application.
2. Receive Approval
After you apply, we’ll assess your profile and application. Most applicants are approved quickly — often within 30 minutes.
3. Accept the Offer
Discuss the loan offer at our office. We’ll clearly explain the terms and fees of the offer. Feel free to ask any questions you might have, and rest assured that you’re not required to pay anything if you reject the loan. When you’re comfortable, sign the offer.
4. Receive Your Funds
Once you sign the offer, we’ll disburse the funds to you immediately. Choose either physical cash or a PayNow transfer. It’s up to you!
Frequently Asked Questions: Short Term Loans in Singapore
1. Do I qualify for Credit Empire’s short term loan?
You must be at least 18 years old and employed in Singapore. Freelance and part-time employment count, too.
2. What is the typical loan amount at Credit Empire?
The typical short term loan amount is ~S$10,000. You may borrow up to six times your monthly salary, with no minimum loan sum.
3. What documents are needed for a short term loan application?
You need to provide:
- Identity proof
- Income proof
- Residential address proof
- Other supporting documents you think are necessary, such as your credit report
Do note that other licensed short term moneylenders require these supporting documents, too.
4. Apart from short term loans, what does Credit Empire offer?
- Personal loan: A general unsecured loan for personal use
- Bad credit loan: A loan for individuals with a poor credit history
- Bridging loan: A short-term loan to “bridge” gaps between financial transactions
- Wedding loan: A personal loan tailored for wedding expenses
- Fast loan: An expedited loan for urgent needs
- Monthly loan: A loan where repayments are made on a monthly basis
- Study loan: Financing to cover education-related costs such as school fees
- Debt consolidation loan: A loan that combines multiple existing debts into a single loan
- Payday loan: A short-term, small loan intended to last until your next payday
- Renovation loan: A loan to fund home renovation or refurbishment projects
- Business loan: Financing for business purposes
5. Can foreigners working in Singapore apply for a short term loan?
Yes, foreigners employed in Singapore are welcome to apply for a short term loan with us, especially if your income is stable!
6. How fast is the loan application and disbursement process?
Once your supporting documents and application form are checked and approved by our loan officers, we’ll invite you to discuss an offer. Thereafter, you’ll receive your funds on the spot. The entire process can be done in just 30 minutes.
7. How do I increase the chance of approval for my short term loan in Singapore?
Keep your credit profile healthy, maintain a steady income, submit all supporting documents that we request, and ensure you apply for a loan amount you can realistically repay. If your credit score is healthy, send in your credit report as a supporting document with your initial application, too!
8. What is the interest rate of Credit Empire’s short term loan?
Our short term loans carry a fixed monthly interest rate of 3.92%. This will be shown in your offer, and it’s within the legal cap for licensed short term lenders.
9. What extra charges can a short term loan lender impose?
- Loan processing fee: 10% of the principal amount
- Late payment fee: S$60 for every late repayment month
- Late interest: Depends on each client’s loan offer (capped at 4% per month on the overdue amount)
Rest assured that the extra charges will not exceed your loan’s principal amount.
10. What is Credit Empire’s loan approval rate?
While we cannot speak for other short term moneylenders, our loan approval rate is ~99% as we try to structure each loan responsibly.
11. How will I receive my short term loan’s funds when it’s approved?
After you sign the offer, you can receive your funds in cash at our office or via PayNow to your bank account.
12. How do I repay instalments for short term lending?
Repay your short term loan in cash at our office, through bank transfer, or via automated payments with a GIRO facility.
13. What should I consider when I’m choosing a licensed short term lender?
Choose a lender listed on the Registry of Moneylenders, ensure that all interest and fees are clearly listed in their offer, and read testimonials such as the reviews for Credit Empire to confirm that the lender is reputable.
Kickstart Your Application
Apply Online
Our online application form is available 24/7! Submit a form, and we’ll get in touch ASAP.
Call or Message Us
We’re available at +65 6200 5888 during business hours, or you can message us on WhatsApp.
Visit Us
Come by our office for a consultation and apply immediately if you’re prepared!