Best Rated Licensed Money Lender Singapore on Google Review

KBB Credit SD Pte Ltd formerly known as KBB Credit was founded in 2010, the best legal & licensed money lender Singapore. From the day our doors open, we have served thousands of clients in Singapore islandwide, providing them with excellent service and flexible repayment plans.

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KBB Credit Licensed Money Lender Singapore

Apply loan from Licensed Money Lender Singapore now!






    Types of Loans Available.

    Other than the standard types of loans, we also provide customised loans. Hence, this means that any need that you have, let us know and we will work out a plan just for you.
    Loan terms, loan schedule and even monthly amount to pay can be customise. Our customers still choose to stick to us because they know that they have flexibility with us.
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    Flexible Repayment Plan

    Fast Approval

    Low Interest Rate

    Excellent Customer Service

    Easy Application Step-by-Step Process

    Send us your loan application to find out more about our loan services! Not to worry, by sending us this application form, it does not mean that you have taken on a loan.

    KBB Credit Licensed Money Lender Singapore provides you with detailed installment payment and lowest interest rate

    *terms and conditions apply

    Apply Loan from Licensed Money Lender Singapore now!






      Customer Testimonials

      Let’s hear what our customers have to say!

      Licensed Money Lender Singapore Reviews From Google

      Naw Ae DarNaw Ae Dar
      07:20 12 Oct 23
      good service. recommended
      Rj NatacusedRj Natacused
      11:10 10 Oct 23
      Chin khoon ChiewChin khoon Chiew
      04:25 06 Oct 23
      once I come here I don't go to other places any more. can't find a better moneylender in city hall than kbb credit. really one of the best licensed money lender that I have been to. thanks everyone for being so friendly and welcoming and always helping me to think of what suits me best. always giving me options so I can decide. always letting me know the pros and cons for each option. best of all, never force me into option.
      Vivo Y16Vivo Y16
      04:59 03 Oct 23
      Very good lender
      EE
      07:24 02 Oct 23
      Been with them for many years as they are very reasonable. Very helpful and friendly staffs. Always calculate within my budget and adjust to what I can afford. Thank you so much guys.
      Myo Nyi NyiMyo Nyi Nyi
      07:20 26 Sep 23
      Def one of the best moneylenders I have been to. Assist me all the way even helping me to plan on what I should do next so that I can get out of debt. Thanks Joyce
      Wint Khet PaingWint Khet Paing
      05:47 19 Jul 23
      Good licensed moneylender in city area not easy to find. Glad to have encountered kbb credit which is of big help to me
      Tan Chengyuan ThomasTan Chengyuan Thomas
      04:55 01 Apr 23
      A speedy and professional financial advisors rather than just a licensed money lenders. Definitely someone to look from short term personal loan to consolidation of loans etc, they are a one stop shop legal money lender that is out there to aid your financial situation. They are a team of friendly and helpful persons that you can rely on. Best money lender at City Hall, and some say Singapore! 🙂
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      Frequently Asked Questions

      Most frequent questions and answers

      How many outlets does KBB Credit have and what are its business hours?

      KBB Credit operate their at

      111 North Bridge Road, #01-35 Peninsula Plaza, Singapore 179098

      Mon to Fri: 11 AM – 9 PM

      Saturdays: 11 AM – 6 PM

      Sundays and Public Holidays by appointment basis

      Why choosing KBB Credit?
      KBB Credit is a trusted financial partner, providing tailored loans for personal and corporate investment needs.
      As a fully legal and licensed moneylender under the Ministry of Law, KBB Credit is committed to offering all the clients the best in service and support.
      We understand that life’s milestones often require additional financial assistance. With our personalized solutions, customers benefit from one of the lowest interest rates in Singapore.
      Among 156 licensed moneylenders, KBB Credit is one of only six firms selected by the Ministry of Law to pilot alternate business models, demonstrating our strong foundation, comprehensive documentation and rigorous processes.
      What does this mean for you? Faster approvals, transparent processes and complete peace of mind when securing a loan.
      We provide a wide variety of credit solutions so we’re confident you’ll find an option that suits your needs.
      If it’s your first time taking a loan, we understand it can be daunting. But you’re not alone—over 700 positive customer reviews attest to our friendly, professional service. Our trained loan officers ensure clear communication, so you fully understand the loan terms before signing.
      With KBB Credit, our customers enjoy flexible repayment plans and minimized risks of unnecessary late fees, setting you up for a smooth financial journey.
      What interest rates are money lender Singapore allowed to charge?

      As of October 1, 2015, licensed moneylenders in Singapore can charge a maximum interest rate of 4% per month, regardless of the borrower’s income or whether the loan is secured or unsecured. If a borrower misses a payment, the late interest will cap at 4% monthly for each overdue month. This policy aims to protect borrowers from excessive fees while ensuring fair lending practices.

      In the event that I am standing as a surety for a loan, what should I look out for?

      You should ensure that:

      • You understand your responsibilities as a surety;
      • You receive a copy of the Note of Contract at the time that the loan is granted to the borrower;
      • The moneylender has explained the terms in the Note of Contract in a language that you understand; and
      • The moneylender does not keep your NRIC card or any other personal ID documents (e.g.driver’s licence, passport).
      • The moneylender does not acquire any information that contains passwords to your user accounts (e.g. Singpass account, Internet banking account, email account).
      What are the fees that moneylenders can charge?

      With effect from 1 October 2015, all moneylenders are only permitted to impose the following charges and expenses:

      a fee not exceeding $60 for each month of late repayment;

      a fee not exceeding 10% of the principal of the loan when a loan is granted; and

      legal costs ordered by the court for a successful claim by the moneylender for the recovery of the loan.

      What should I do after being granted a loan?
      • Make sure the moneylender delivers to you the correct principal amount of the loan. The moneylender is only permitted an upfront deduction of a loan approval fee of up to 10% of the principal amount.
      • Pay the loan instalments on time to avoid incurring late payment fees and late interest.
      • Make sure the moneylender issues to you a receipt every time you make any repayment towards your loan and check it for correctness (e.g. name, amount, date).
      • Make sure you receive a statement of account for all your loan(s) at least once every January and July and check it for correctness (e.g. name, amount, date); and
      • You should retain all statement of accounts and receipts of payments, as documentation and evidence of payments.
      What should I consider before taking up a loan?

      When considering a loan, it’s important to assess whether you can meet the terms based on your income and financial commitments. Before borrowing, ensure you only take what you need and can comfortably repay. Additionally, if you’re unable to meet the repayment terms, remember that late fees and interest will create financial strain, not just for you but for your family as well. Therefore, it’s crucial to carefully evaluate your ability to repay before committing, to avoid future financial stress.

      Before approaching a moneylender in Singapore, 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 fulfill 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.

      Before committing to a loan, it’s essential to compare different moneylenders for the most favorable terms. Take your time to evaluate each option carefully. Additionally, ensure you’re fully satisfied with the loan’s terms and conditions before making a decision. Rushing into a commitment may lead to unfavorable consequences. Therefore, it’s better to proceed with caution and choose wisely to avoid any regrets later on.

      How do I know whether a money lender is licensed or not?

      Verify that a moneylender is licensed in Singapore by checking the list of licensed moneylenders. Click here to access the list of licensed moneylenders. Even if moneylenders are licensed, stay 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.