JNB Credit is your dependable financial ally, dedicated to providing loans that cater to both your personal and corporate investment requirements.

As a legal and licensed money lender under the Ministry of Law, JNB Credit is committed to excellence. We recognise that everyone occasionally needs a financial boost to reach their life milestones.

Our tailored financial solutions ensure that our customers receive the support they need, benefiting from one of the most competitive interest rates in Singapore.

Among 153 licensed money lenders, JNB Credit offers a broader spectrum of credit solutions compared to other lenders, confident that you’ll find the perfect match for your needs among our diverse loan offerings.

For those new to borrowing, the process can seem intimidating. However, our customers’ testimonials speak volumes: our friendly and proficient loan officers are committed to delivering top-tier customer service.

Our clients often praise the patience and clarity provided by our staff, ensuring you are well-informed about your loan terms before making a commitment.

Moreover, all JNB Credit clients enjoy flexible repayment plans that minimise the risk of accruing unnecessary late fees.

Our commitment to streamlining the application process enhances your lending experience. By integrating SingPass, we make it faster and more convenient for you to apply, ensuring a smooth and streamlined experience. This approach not only simplifies the application but also provides you with quicker access to manage your loan and enjoy additional benefits.

Choose JNB Credit for a lending experience that prioritises your needs and convenience. Here’s what sets us apart:

• No Hidden Fees: We are fully transparent about our fees and charges. With us, there are no surprises—what you see is what you get.
• Lower Interest Rates: We offer competitive interest rates to ensure that your loans are always affordable.
• Higher Borrowing Limit: Need a substantial amount? With JNB Credit, you can access higher loan amounts whenever necessary.
• Faster Processing Times: Thanks to our streamlined loan process utilising MyInfo, we’re able to disburse funds more quickly than ever.
• Flexible Repayment Options: We understand that everyone’s financial situation is unique. That’s why we offer customisable repayment plans to suit your specific needs.
• 100% Confidentiality: Your privacy is our utmost priority. Rest assured, your personal information is always protected and never disclosed.

A licensed moneylender is a legally certified company or a service that provides its customers with short-term loans with several choices for repayment. Those moneylenders function according to the law, respecting the stipulations regarding legal contracts and maximum interest rates.

Unlicensed money lenders offer loan services but outside a legal frame. That means they could provide easy loans but charge their clients incredibly high interest rates and additional fees that could change to their liking, making their use hazardous.

You may find on the internet dozens of money lenders’ sites. Yet it is difficult to distinguish if they are licensed or not, given that illegal money lenders try to imitate the presentation of licensed ones.

The Ministry of Law of Singapore makes available on its website the complete list of licensed money lenders, where you can verify on the spot the authorisation of the company you are interested in.

JNB Credit is proudly listed as a licensed money lender on this registry, reflecting our commitment to credibility and financial integrity.

Loans offered by licensed money lenders come in a variety of forms based on the identity of the client – personal or foreigner loans, the requirements they fulfil (for example, you could apply for debt consolidation plans, business loans, bridging loans, education loans, travel loans, medical loans).

You can apply for unsecured loans, which do not require any collateral. This makes the process quicker and accessible, as you don’t need to provide additional guarantees.

Other criteria target the loan tenures, interest rates, or loan amounts.

That’s true that a loan from a bank usually means a bigger amount of borrowed money, lower rate interest, and a longer period to repay it, but this comes along with a more complicated approval procedure, more requested documents, and a more attentive examination of your debt history.

If you urgently need some money in order to solve an unexpected situation or your credit score is low, the easiest way to get help is a loan from a licensed moneylender such as JNB Credit.

The biggest advantage is the smooth way to apply for a loan. You can make your request online, and the analysis of your demand is processed in a short time. The eligibility criteria are simple, and the contract terms are clear.

Licensed money lenders offer flexible alternatives of interest rates and repayment terms according to your financial situation. You may apply for a loan even if having a poor credit score.

Last but not least is a safe and legal business.

According to the law, after the approval of your application, you must visit the money lender’s office to sign the contract in person, and you receive your loan on the spot.

To safeguard borrowers like you, the government has put in place a strong legal framework, so make sure to only deal with licenced moneylenders.

Moneylenders Act Singapore stipulates that the customer meets the money lender to sign the contract and receive the loan.

In order to protect you, the state decided by law that the maximum interest rate a licensed money lender can ask for is 4% per month. Except for this, you should be aware that additional fees might be charged, such as the admin fee.

If you don’t pay on time, your debt might increase with late interest and late payment fees. For this reason, you have to make the reimbursement on schedule.

To be eligible for a loan at JNB Credit, applicants must meet the following criteria:

• Be a Singapore Permanent Resident or a foreigner with a valid work permit
• Be at least 21 years old
• Have a stable source of income, whether employed or self-employed

To apply for a loan with JNB Credit, you will need:

• A valid Work Permit, S Pass, or E Pass (for foreigners)
• Proof of residence (utility bills, phone bills, or a tenancy agreement)
• Recent payslips or bank statements to verify your income

Applying for a loan with us is straightforward and involves three simple steps:

1. Apply: Start by filling out our quick online application form, which takes just 2 minutes to complete.
2. Verify: Visit us in person for a final face-to-face verification to complete your application process.
3. Receive: Once approved, your funds will be directly disbursed into your account, allowing you quick access to the money you need.

This is not a stressful situation. You may successfully apply for a personal loan with us even if you have other credit. Our finance specialists are ready to tailor the most advantageous offer for you.

At JNB Credit, we understand that financial circumstances can vary. Each loan application is assessed on its own merits. We offer loan solutions to individuals with diverse credit histories, focusing on your current ability to repay the loan.

The credit score does not hang the heaviest in the balance. Even if you don’t get a high score, we are here to process your application and help you.

If you decide to pay your personal loan earlier, not only you are not extra-charged, but you will also save some money on outstanding interest.

Our loan repayment terms are flexible to suit the different financial needs of our borrowers. We collaborate with you to set up a repayment schedule that aligns with your budget and ensures payments are manageable.

Confidentiality is one of our strengths. All information concerning your personal loan will be strictly kept private. The only situation in which you’ll get a physical copy at home is at your direct request.

JNB Credit handles your loan application data in accordance with Singapore’s PDPA and protects it with administrative, physical and technical safeguards. For more details, read the JNB Credit Privacy Policy.