Loans For M’sian Working In S’pore
We feature Fast processing, Easy Documents & Flexible Affordable Monthly Payment Available!
The ultimate choice for your Personal or Business credits need in your region. Fast Online Application, Best Rates & Affordable Repayment. 3-Steps for your Credits simplicity. Apply Today!
Check how much you can apply today!
About Us
SG Smart Credits is a licensed financial company. Our priority is to provide the best customer service to our M’sia clients. We are committed to being there for our clients whenever they need any financial needs or have any questions.
From enquiry to cash payment, we serve our customers throughout the process. We’ve simplified our application process to be more efficient so you can get funding as quickly and easily as possible.
While we can fund most clients, we believe we should help our clients be responsible for the amount they borrow. Therefore, we conduct proper financial checks and background checks, and educate clients on different types of financial options and the entire process.
Our Credits Services
We offer more than just these financial services. Contact us for a custom plan.
Personal Loans
We offer personal financing at favorable rates. If you are going through a tough time and need urgent personal financing for various reasons, we can help you get the financing amount you need.
Fast Cash Loans
Getting fast financing through a bank is nearly impossible. We can quickly get you the funds you need within a day. If you have any urgent funding needs, please let us know and we will help you right away.
Payday Loans
Our payday finances are very flexible. It’s designed to help you through the storm until your next paycheck date. For this, we do not require any guarantee or collateral to qualify.
Bad Credit Loans
Unlike banks, we do not look at your past credit history. So, given your poor credit score, don’t be afraid to contact us. We can create a plan that best suits your situation.
Business Loans
We provide commercial financing for most types of businesses at various stages of growth. We understand that you may be in dire need of funds for any emergency your business may encounter. Contact us to discuss further!
Foreigner Loans
We know your expenses in Singapore can be high and you need some funds to get through your time here. Getting financing from local banks here can be difficult. Don’t worry, we also offer financing to foreigners.
Taxi Driver Loans
We also provide financing for taxi drivers! We understand that your income may be unstable because you are self-employed. If you need some funds, we can provide you with the necessary funds within a short period of time.
Other Loan Services
We provide various financial services. Get in touch with us quickly. You can call us or whatsapp us directly! Our other services include wedding financing services, renovation financing, hair loss financing, furniture purchases, home financing, auto financing, and more!
How It Works
Our financial process is simple and hassle-free!
Apply with us
You can fill in the form above, call us or whatsapp us. We need certain information from you to check your eligibility.
Submit Application
If you’re eligible, we’ll offer a financing plan that includes the amount you can borrow, a repayment schedule, and an interest rate. Once you agree, all you have to do is submit the necessary documents
Collect your funds
Receive your funds Once approved, you can immediately get your cash directly from us or by bank transfer.
FAQs
Here are some questions you might want to know.
Is there a minimum age to apply?
Yes, you must be at least 18 years old.
Is there a minimum wage requirement?.
Yes, Singaporeans need to earn at least S$1,500 per month, while foreigners need to earn at least S$2,000 per month.
Is there a minimum working age?
No, but it does affect your risk assessment and final plan.
What ID do you accept?
We accept these documents: National Identity Card (NRIC) Permanent Resident (PR) S Pass Employment Pass (EP) work permit (Conditional)
What documents do you need?
For locals, we ask for:
1) National Identification Card (NRIC)
2) Proof of Residence:
Any official mail received at the borrower’s residence
3) Latest payslip or other proof of income
4) Latest bank statement of deposit account (borrowers can log in to iBanking at our office)
5) Borrowers must know their Singpass login details to access their CPF, HDB or IRAS statements
**As a prerequisite for applying for financial aid, borrowers need to log in to CPF/HDB/IRAS using Singpass for verification. However, they are not allowed to provide the Singpass password to any financial company.
For foreigners, we require:
1) S Pass, Employment Pass (EP) or Work Permit (WP)
2) Passport
3) Labor contract
4) Salary slips for the last three months
5) Lease Agreement
6) Proof of Residence: Any official mail received at the borrower’s place of residence
7) Bank statements of the last three months for the account credited to the salary
For businesses, we require:
1) ACRA business profile
2) Income Statement
3) ACRA Income Tax Report Summary
4) Deposit certificate
5) Commercial bank statements for the last six months
For businesses, is there a minimum registration period?
Yes, your business needs to be registered for at least 2 years before you can apply for financing for your business.
What if there is a cancellation or a dispute?
In the event of a cancellation or dispute, please note that any refunds to Sg Smart Financing will require at least 3 working days of processing time, for auditing purposes only.