Moneylender registered in the Republic of Singapore License No. 149/2022
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Eligibility
Building the Moneylender We Always Wanted
U-Credit was built to give you peace of mind: responsible loans, transparent processes and a team that’s always on your side.
Who We Are?
U-Credit was founded in 2014 with a clear vision to make borrowing simple, transparent, and people first. From our beginnings as a licensed moneylender in Singapore, we have stayed true to that vision by building trust through fair loans, clear processes, and digital tools that make lending faster and easier. Our journey is guided by one commitment to help people move forward with confidence, creating a better lending experience that is responsible, accessible, and built to last.
The Difference We’ve Made
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1000+
People We Helped
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Customer Satisfaction
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1000+
Decade of Experience
Values That Define U-Credit
More Than Words, Our Promise
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Clear & Transparent Terms
Always know what you’re signing up for with upfront fees and no hidden surprises. -
Customer-Centric Service
Friendly support and guidance designed to put your needs first. -
Integrated with Singpass/MyInfo
Fast, secure applications with instant access to verified information.
Visit Our Store
at The Bencoolen
Near Bugis, Bras Basah & Dhoby Ghaut
U-Credit is strategically located at The Bencoolen, making it one of the most convenient licensed moneylenders in central Singapore. Our office is just a short walk from Bugis MRT (EW12/DT14), Bencoolen MRT (DT21), and Bras Basah MRT (CC2), and only a few minutes away from Dhoby Ghaut Interchange (NS24/NE6/CC1).
Surrounded by popular landmarks such as Bugis Junction, Bugis+, Sim Lim Square, Plaza Singapura, and Sunshine Plaza, our location is ideal for customers who work, shop, or study in the city area. Many of our clients also find it convenient to visit us from nearby districts like Orchard, City Hall, Clarke Quay, and Little India, thanks to excellent MRT and bus connectivity.
Whether you are heading over during your lunch break, after work, or while running errands, our central location ensures you can access financial support quickly and hassle-free.
Close to MRTs
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Bugis, Bencoolen
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Bras Basah
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Dhoby Ghaut
Nearby Landmarks
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Bugis Junction
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Sim Lim Square
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Plaza Singapura
City Central
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Orchard, City Hall
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Clarke Quay
Quick Access
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Lunch breaks
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After work
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Running errands
Stay Updated with U-Credit's Latest News and Expert Insights
Achieve Financial Stability With A Budget
Wondering where all of your money goes each month? If you’re one of the nearly 30% of Americans who live without a monthly budget, then you’re not alone.
Fueling Your Business Growth With SME Loans
Running a business comes with cash flow challenges. Discover how SME loans can provide the support you need to manage operations, invest in growth, and seize opportunities—all while staying compliant with Singapore regulations.
Managing Family Expenses: When Is It Okay To Take A Loan?
Unexpected expenses—medical bills, education fees, or home repairs—can put pressure on your budget. Here’s how to decide if a personal loan is the right choice to ease the load without straining your long-term finances.
Understanding Credit Scores: Why They Matter For Your Loan Approval
Your credit score tells lenders a lot about your financial habits. Learn how it affects your loan application, the common mistakes to avoid, and tips to improve your score for better approval chances.
Apply Easily in Just 2 Minutes with Singpass
Apply instantly through Singpass and get support without delay.
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Frequently Asked Questions
Transparent answers to help you make informed decisions.
To apply for a loan with U Credit, all the following criteria must be fulfilled:
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Be a citizen or permanent resident of Singapore, or for foreigners, have a passport and employment pass.
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Be above 21 years of age, and is not an undischarged bankrupt, nor facing any bankruptcy proceeding.
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Be permanently employed, have a valid work permit (for foreigners) or self-employed with a valid income prove.
With effect from 1 October 2015, all moneylenders are only permitted to impose the following charges and expenses:
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1.
A fee not exceeding $60 for each month of late repayment;
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2.
A fee not exceeding 10% of the principal of the loan when a loan is granted; and
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3.
Legal costs ordered by the court for a successful claim by the moneylender for the recovery of the loan.
You are advised to seek clarifications on specific terms of the loan contract before signing up with a licensed moneylender, and not to rely solely on the content of advertisements from the moneylender.
Try the U-Credit Loan Calculator
Explore How to Build an Emergency Fund
You are advised to seek clarifications on specific terms of the loan contract before signing up with a licensed moneylender, and not to rely solely on the content of advertisements from the moneylender.
Try the U-Credit Loan Calculator
Explore How to Build an Emergency Fund
You are advised to seek clarifications on specific terms of the loan contract before signing up with a licensed moneylender, and not to rely solely on the content of advertisements from the moneylender.
Try the U-Credit Loan Calculator
Explore How to Build an Emergency Fund
You are advised to seek clarifications on specific terms of the loan contract before signing up with a licensed moneylender, and not to rely solely on the content of advertisements from the moneylender.
Try the U-Credit Loan Calculator
Explore How to Build an Emergency Fund
The smarter way to borrow starts here.
With U-CREDIT, you’re never alone — we make borrowing safe and stress-free.
