At UNITED CREDIT, we provide unsecured cash loans to customers who may have an urgent need for cash.

We offer financial solutions at competitive interest rates of 4% per month, while loan tenures can be set as short-term or long-term based on your needs and financial situation.

Flexibility of loan repayment schemes is granted on a case-to-case basis. Just call us or visit our office. Our experienced finance consultants are here to help you find the best solutions to your financial problems, and quickly meet the needs of you and your loved ones.

For unsecured loans, please refer to the table below for the total maximum amount that you may borrow at any time across all licensed moneylenders in Singapore:


Borrower’s Annual Income Singapore citizens and Permanent Residents Foreigners residing in Singapore
Less than S$10,000 S$3,000 S$500
S$10,000 to S$19,999 S$3,000
S$20,000 and above 6 times monthly income 6 times monthly income

With effect from 1 October 2015, as per Singapore’s Moneylenders Act, all licensed 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.