• AP Credit
    AP Credit
    Taking a loan is not a sign of carelessness or financial miscalculation; even with the best planning, once in a while you will have a shortfall you need help in covering.
  • Service beyond the expected
    Every business can benefit
    From boosting your working capital to purchasing fixed assets and commercial properties,
    AP Credit has the capability to back your financial goals for your business,
    no matter how small or big they may be.

Fast Money Loan Singapore
AP Credit Licensed Money Lender

At AP Credit, we are all about offering professional fast money loan service and matchless dedication to the good of all our clients. You can see that in our easy and straightforward loan application, speedy loan processing and approval as well as our wide range of customizable packages. All these benefits are capped by a dedicated team of professionally qualified staff members offering unsurpassed customer service.We make every effort to ensure that your every need is sufficiently seen to, because your satisfaction is our highest priority. You don’t get that everywhere in the world of finance and lending, where most people only pay in regard to the bottom line and slash out anyone who may present a risk to it.For us, you are an individual, presenting a unique set of needs and requirements that you would like help in meeting. Therefore, we make every effort to ensure that you receive the services that you need, with the care and respect that you deserve as a customer.Over our years in the credit and lending world, we have built long-standing relationships with our clients that have enabled us to grow in the scope of financial services that we can offer. Turn to us for any financial need you have from short term payday loans, foreigner loans and personal loans to longer term personal loans and business financing. Whatever you need, we have something just right for you.

Why choose us?

    • We are a licensed moneylender in Singapore with over a decade of experience in all matter of credit. We have successfully served tens of thousands of Singaporean citizens and foreigners, helping them meet their needs flexibly and easily.

 

    • Our loan packages are customizable and negotiable depending on your unique circumstances. You can even select a variable instalment repayment plan, so that you pay more when you have less expenses and less when you have more.

 

    • Our fast money loan application is simple and streamlined; you don’t even have to make a physical trip to our premises. You will know within the same day whether or not your loan has been approved so that you don’t have long wait times riddled with uncertainty.

 

    • We have a fully trained team of professionals, all of whom are at your disposal when you need our services. We can offer financial advice when you aren’t sure of what course of action to take, and deal with any matter arising in the course of your loan period.

 

  • Your satisfaction and good standing with us is our top priority, so you can depend on us to hold nothing back in giving you what you deserve.

When a Fast Money Loan is the Perfect Solution

It’s a great practice to save or earn the money that you need for living and expenses in Singapore. However, loans can give you a large cash outlay to do now what you’d have to save for years to be able to do. Also, there are other situations that just come out of nowhere, and you need a helping hand to get out. The following are times when a personal loan can be a great source of financing:

Debt restructuring

Consider that credit cards have the same credit limit as most personal financing options – two to four times your monthly income. But credit cards often have a higher interest rate, so it would make sense to buy out that debt with a lower interest loan. There are in fact loan packages designed by moneylenders for the specific purpose of debt restructuring. As you look for a loan, explain to the lenders what you’re doing and see what they’re willing to offer. Either way, you will likely be making great savings in the grand scheme of things than if you maintained a set of credit cards for your purchases.

 

Friends or relatives are your only other option

Friendly loans can sometimes have the same connotation as ‘friendly fire’ coming from a soldier. They usually are one of the trickiest sources of financing. For the lender, it may be tricky to collect from a defaulting borrower with whom you have a personal relationship with. Forwarding the borrowers to a collection agency when push comes to shove is even harder and it could permanently sever the relationship.

As a borrower, you’ll maintain a record of repayments and so will the lender. What if the lender’s record doesn’t match yours? If you do qualify for a loan, it may be safer and easier to go with the professional lender rather than the friend, for your relationship’s sake.

 

Funding a small side-hustle

If you lack capital and need fast money loan for a small business you want to put up on the side, a personal loan may be a good place to start. Your chances of getting a business loan from banks are almost nil, since they lend to businesses that are a couple of years old or more. You can use the money from the loan to set up operations, as long as you’ve done your homework properly. If you have, your side gig might even take over and pay for itself in no time: win-win!

 

Flexibility is needed

Sometimes you need money but you’re not sure about every aspect of the dynamic. Like if you have two different expenses and you aren’t sure when the funds for one will present itself. For instance, you have to pay school fees and renovate the house. You can take out a renovation loan, but that can only be used for the house. Even if you found some other way to fix the house, you can’t divert the money from the renovation loan towards your fees. But a personal financing loan allows the flexibility to change your mind, divide and divert as you see fit. Repayment plans are also negotiable.


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