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Credit Matters Pte Ltd

Singapore's Top Choice for Moneylending, Personal Loans & more.

Picture this: You are sitting at a table stacked high with bills due for payment and you are short of cash; maybe you have even overstayed with some bills and are therefore looking at a few late notices. You need money and you need it now. Enter Credit Matters licensed moneylender in Singapore.

Credit Matters is a licensed money lending service that offers a myriad of money lending and fast cash loan solutions. With our services, you will be able to get the money you need within just a few hours and tend to whatever pressing need you have. Our services as licensed moneylenders extend beyond offering fast cash loan solutions but also giving the best rates of interest in the market.

Credit Matters

About Credit Matters, #1 Licensed Moneylender

Turn to Credit Matters if you need a money solution and you need it quick. Our application procedure is very straightforward and so stringent conditions that you need to fulfill prior to getting a loan solution from us will not hold you back.

As you as you hand over you application and follow up with the required verification documents, our dedicated loan customer representatives will process your application and you can have the money a few hours afterwards if everything is in order. Trust Credit Matters to provide efficient and reliable money lending services, just as we have for over 10 years in Singapore.

At Credit Matters, we have fulfilled all the requirements of the Moneylenders’ Act by registering with the office of the Registrar of Moneylenders. In addition, we follow all the guidelines outlined in the Act, as well as any other best practice standards required of our profession.

Our aim is to ensure customer satisfaction by offering personalized loans solutions in a time-efficient and hassle-free manner. We cater to all groups of people in Singapore including employed citizens, permanent residents, foreigners as well as nationals who earn variable incomes or entrepreneurial establishments.

Finding a significant sum of cash within a few hours can be quite the challenge, and yet nobody can tell the future to know when an emergency may strike. For this reason, we at Credit Matters have our doors open to you so that in times of distress money is one less thing you have to worry about.

Contact us today @ 6636 3233 and let us help you ride your way to an easy and convenient customized solution that will leave you utterly satisfied. At Credit Matters, your satisfaction is our priority.
Our Loan Services.
Personal Loan in Singapore

Fast Cash Loans Solution

Credit Matter's Personal Loan Package

Everybody has many dreams, ambitions and aspirations in life. These may be short, medium or long term goals. Some of these include visiting an ideal vacation location in another country, carrying out renovations on a newly acquired home or getting a new appliance or electronic device.

In other cases, you may encounter an unanticipated situation that leaves you in dire need of finances within a short time. You may need to finance your educational trip or related expense, make a new purchase like a phone or computer or just fill a shortfall in the money you saved to carry out some projects. Where your paycheck and savings kitty still fall short, Credit Matters personal loan Singapore is here for you.

At Credit Matters, we provide more than just financial services: we offer you a customized solution to make the achievement of your personal goals a reality in no time. With our helping hand behind you, you don’t have to be afraid to reach for the stars.

Applying for a personal loan for any reason of your choice at Credit Matters is the easiest process. Our personal loans services are not just open to Singaporean citizens alone, we also have tailored solutions for permanent residents as well as foreigners who have a valid pass and have proven steady income.

Personalized packages at competitive interest rates

If you’re wondering why you should choose Credit Matters licensed moneylender, start with the fact that our personal loan interest rates are among the most competitive in the market. In addition, you can enjoy flexible repayment schedules so that you can make your repayments comfortably. Depending on your needs, our customer representatives will advise you and help you to work out a repayment plan that you can handle according to your income and taking into account all other financial obligations that you have.

A personal loan in Singapore provides you the opportunity to take control of your financial future by bringing money solutions to cover your shortfalls, which are a natural part of life. Trust that you will get the best packages meant for you and you alone.

Whether you need a loan for a new phone, renovations for your house, to pay your educational fees, to meet unanticipated expenses or even just for luxury spending like going on vacation, come to Credit Matters Limited for the loan that covers every need that you have. Within a few hours, you can walk out with the money in your pocket, because at Credit Matters, we believe in fast and efficient loans processing.

Contact us today and bring your dreams into your hands.

Business Loan in Singapore

Fast Cash Loans Solution

Credit Matter's Business Loan Package

Make use of Credit Matters licensed moneylenders Business loan Singapore to get bespoke business loan packages ideal for your specific business needs today. Here at Credit Matters, we offer a pre-determined fixed sum of money according to your business’s abilities, which you can pay back in fixed installments for the duration of the loan period.

Depending on your business requirements and income, our customer representatives will offer you an ideal repayment period so as not to jeopardize your income stream and ensure you can comfortably manage to make these repayments. Our business loans are an ideal tool to facilitate business growth and survival in various ways.

Short-term and long-term solutions

Whether you need a short-term financing solution to take care of your operating expenses or you need a medium term solution such as loans to facilitate purchase of a fixed asset or business expansion, talk to our customer representatives and we will design a package that is the perfect fit for your business.

Here at Credit Matters, our loans can enable you to settle one-off expenses and grow your business beyond your current scope. Do you have business goals that you have put on hold because your current income cannot support them? It is time to take them off the shelf and bring them to life with your loans partner Credit Matters.

Savings and daily income in business can only help you to get so far, considering that you also have to cater for your own expenses from what you make in the business. If you really want to make a significant difference in your business, come to Credit Matters licensed moneylender, where you get to decide how much you need and for how long you will pay back – that is how far our flexibility stretches.

Small business and big businesses

Whether you are small and just starting or big and established, you can find a perfect business loan Singapore solution. We will not lock you out just because you haven’t been operational long enough, because here at Credit Matters we believe in tapping business potential for mutual gain.

Our fast and hassle-free application process make as ideal for financial emergencies – within a few days you can get the custom loans solution and money in your pocket to tend to core business requirements. Our interest rates are highly competitive and we have not fixed a stringent set of conditions for businesses that qualify.

It will not take you months, which means that you can actually plan on the reliability that we offer here at Credit Matters. That is why we have been in business so long – our clients trust us to deliver, and we do, every time. Call us today.

Notes to Borrowers.
Before approaching a moneylender, consider other alternatives, such as the various financial assistance schemes offered by various Government agencies. You may contact the agencies to find out more about their schemes.

You are legally obliged to fulfil any loan contract you enter into with a licensed moneylender.

Consider whether you are able to abide by the contractual terms, bearing in mind your income and financial obligations. Borrow only what you need and are able to repay. Be mindful that if you are unable to meet the contractual terms, the late payment fees and interest payment will be a financial strain not just on yourself but also on your family.

The law requires moneylenders to explain the terms of a loan to you in a language you understand and to provide you with a copy of the loan contract. Make sure you fully understand the terms of the contract, in particular, the repayment schedule, the interest rate charged and the fees applicable.

Consider carefully before agreeing to any contractual term which allows a moneylender to lodge a caveat on the sale proceeds of your real estate property upon default of the loan repayment. When a caveat is lodged against your property, you will not be able to sell it without first repaying the moneylender in full. If the repayment is taken from the net proceeds from the sale of the property, it can wipe out all or a substantial portion of the proceeds.

You should shop around different moneylenders for the most favourable terms. You should not rush into and commit yourself to a loan until you are satisfied with the terms and conditions.

For secured loans, you can obtain a loan of any amount. For unsecured loans, you can obtain:

  • Up to $3,000, if your annual income is less than $20,000;
  • Up to 2 months’ income, if your annual income is $20,000 or more but less than $30,000;
  • Up to 4 months’ income, if your annual income is $30,000 or more but less than $120,000; and
  • Any amount, if your annual income is $120,000 or more.
From 1 June 2012 onwards, moneylenders are required to compute and disclose to you the Effective Interest Rate of the loan, before the loan is granted. If your annual income is less than $30,000, the interest rate which moneylenders can charge, for both secured and unsecured loans, is capped at:

  • 13 per cent Effective Interest Rate for secured loans; and
  • 20 per cent Effective Interest Rate for unsecured loans.
The Effective Interest Rate takes into account the compounding effect of the frequency of instalments over a one-year period. This means that Effective Interest Rate better reflects the actual cost of borrowing over a one-year period. Visit www.ipto.gov.sg to find out more about how the Effective Interest Rate is calculated from 1 June 2012.

If your annual income is $30,000 or more, the caps above are not applicable and interest rate is to be agreed upon between the moneylender and the borrower.

Do not borrow from unlicensed moneylenders. Verify that a moneylender is licensed by checking the list of licensed moneylenders at www.ipto.gov.sg. Notwithstanding that the moneylenders are licensed, be mindful if they:

  • Use abusive language, or behave in a threatening manner towards you.
  • Ask for your SingPass user ID and/or password.
  • Retain your NRIC card or any other personal ID documents (e.g. driver’s licence, passport, work permit, employment pass or ATM card).
  • Ask you to sign on a blank or incomplete Note of Contract for the loan.
  • Grant you a loan without giving you a copy of the Note of contract for the loan and/or without properly explaining to you all the terms and conditions.
  • Grant you a loan without exercising due diligence (e.g. approving a loan over the phone, SMS or email before even receiving your loan application form and supporting documents, such as the income tax assessment and payslips).
  • Withhold any part of your principal loan amount for any reason.
  • Such practices are not acceptable. If you encounter them, you should report the moneylender to the Registry of Moneylenders, with information such as the moneylender’s business name, licence and contact numbers. Please see Question 10 for more details.
Read more details here.
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