A1 Credit


Singapore Outstanding EnterpriseLoan Advisor Best Moneylender

#1 Top Reliable Licensed Moneylender in Chinatown Singapore Since 2009

Established in 2009, A1 Credit (License No: 17/2019) provides loans to individuals and businesses. A1 Credit is licensed and regulated by the Ministry of Law and is fully compliant to the Moneylender’s Act.

We aim to deliver financial products to help you gain financial control.

Our focus is on optimizing our plans to offer better short-term loans for the cash-strapped. We aim to be at the forefront of moneylending services, by practicing responsible lending that puts our clients in a better position than before. We do this by strengthening our lending criteria, having a strict protocol for assessing individual portfolio risk and monthly training programs for our loan specialists to achieve expertise in catering to the differing needs of each client.

Your trust is our most important asset.

A1 Credit is discreetly located at:
2 Havelock Road #02-08
Havelock II Singapore 059763
(Clarke Quay MRT)

Types of loan:

  • Personal Loan (Monthly Instalment)
  • Payday Loan
  • Foreigner Loan
  • Bridging Loan (After Sales Completion)
  • Business Loan

Directions to A1 Credit

By MRT: 
Clarke Quay Exit A
Cross the Overhead Bridge
Enter Havelock ll Level 2 via Overhead Bridge

By Bus:
Along Eu Tong Sen Street
Bus No: 961, 61, 2, 12, 33, 51, 54, 63, 80, 147, 174E, 174, 190, 197, 767.

Nearest Carpark:
Ample Carpark Lots @ Havelock ll
Enter from New Market Road
$3 Parking Rebate Available

A1 Credit Office

A1 Credit Office 4


Opening Hours


11am - 8.30pm


11am - 8.30pm


11am - 8.30pm


11am - 8.30pm


11am - 8.30pm


11am - 5pm


11am - 5pm


Apply Loan


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Melody 28/03/2019 6:50 am

They are very friendly and helpful. After speaking with loan officer, I am pleased that they take an appropriate step to solve my financial problems. They explained everything in detail. I feel comfortable when taking a loan at A1 Credit.

chee guan 03/02/2019 6:50 am

1st time applying loan. I am worried about the repayment amount and plan as I need to set aside some money for medical fees. However, after the discussion with the loan officer Steven, he is very understanding on my situation and know that one time payment is not going to solve my problem. He offered me the flexible monthly repayment plan to help me tight over for this few mths. Really appreciate for this kindness and will definitely go back if need any loan in future! Thank you A1!

Lawrence 21/01/2019 6:50 pm

Just need a small amount to tight over till my payday to close. I searched online and read many good reviews on A1 website. So i decided to take a loan from them. Fast and hassle free. The officer even helped to pro rate the interest for me as i paid earlier than due date. Thank you for the discount!

Patrick 07/12/2018 1:16 pm

I need a large amount to pay off my parents medical bills and other expenses. After visiting A1 Credit. The staffs there are friendly and they granted me a high amount to pay off my bills. I highly recommend this moneylender to all people who need cash urgently!

Chun Chun 16/06/2018 5:31 am

A1 Credit is very responsive to my enquiries and very helpful by providing several solutions on my cash flow problems. They have clearly explained the loan contract to me and shared with me how to identify licensed and unlicensed moneylenders. I would like to recommend A1 Credit to those in need of cash urgently. They are very professional and will not disappoint you.

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Notes to borrower: Directloan.sg aims to be the best financial directory in Singapore. We do not represent any licensed moneylender or offer any loans directly, over the phone or at our office or otherwise. We ensure that all advertisers featured in our business directory are evaluated and selected carefully, particularly those that are licensed by government authorities.

Things you should know before borrowing:
Minimum Period for Repayment – From 3 months
Maximum Period of Repayment – Up to 6 months
Minimum Annual Percentage Rate – From 12% per annum (monthly reducing interest rate)
Maximum Annual Percentage Rate – Up to 35% per annum (monthly reducing interest rate)

Sample representation of loan with maximum loan period:
Loan Amount Borrowed – $1,000
Loan Period – 6 months
Interest Rate – 1% per month
Annual Percentage Rate of Charge (APR) – 12% APR
Total Cost Payable (excluding loan principle) – $35.28

– The minimum period of repayment is 3 months and the maximum period of repayment is 6 months.
– The interest rate offered by the licensed moneylenders is 1% (minimum) to 2.916% (maximum) per month, depending on your credit rating and other factors. This corresponds to a 12% to 35% Per Annum APR based on monthly reducing interest rate.

The example mention above is an estimation and for illustration purposes only, please check with the respective Licensed Moneylenders as it may vary due to loan amount, period of loan and other fees such as late fee and late interest rate that may be charged in the event of violation on terms & conditions.