Simple. Transparent. Secure

Legal Money Lender Singapore Apply in 3 quick steps

” Up to 12 months repayment period, simple interest from 2.27% and loan up to 6 times monthly salary* “

*T&Cs apply

Fast Approvals
200,000 Customers
Quickly Handled
Flexible Loans
hougang licensed money lender

We are Goldstar Credit.

Legal Money Lender In Singapore

Our storefront is conveniently located in Hougang at The Midtown, which is only an 8 minute walk from Hougang MRT station and in the heart of a bustling residential area.

Our storefront is conveniently located in Hougang at The Midtown, which is only an 8-minute walk from Hougang MRT station and in the heart of a bustling residential area.

Why did we decide on setting up shop in Hougang? Because we recognise it as a mature estate and it is also the most populated town in the North East region of Singapore. Hence, by stationing ourselves here, it maximizes our reach. Being so close to Hougang MRT will also ensure that patrons who stay outside of the area can still come to us easily.


We are like no other legal money lender in Singapore.

Goldstar Credit boasts an unbeatable rate for any kind of personal, business or micro loans. All our repayment terms are convenient and hassle-free as we value providing a seamless user experience for all our customers. To hasten the process, every loan is quickly handled and we do not tolerate any delays in our service. We are proud to offer the fastest approval speed in the industry because we understand the gripes and anxieties faced when requiring urgent funds. We provide fully legal, MinLaw-regulated business loans up to $200,000 and renovation loans up to $30,000, subject to approval. 

Our Legal Loan is designed for your financial requirements.

We Provide Legal Loan

Our Legal Loan is designed for your financial requirements. Now you can apply for a loan with a few simple steps. Our legal loans do not require any collateral and provide you with the most affordable interest rates and flexible repayment terms.

Goldstar Credit Pte. Ltd. provides a fast, convenient, and legal credit solution to your cashflow problems. Tailoring our loan options to fit a variety of situations, we do our best to offer flexible repayment plans and attractive loan rates.

Grab/Gojek Loan
Wedding Loan
Renovation Loan
Bridging Loan
Study Loan
Medical Loan
Debt Consolidation Loan
Business Loan
Vacation Loan

You can count on us for all kinds of loans ranging from Business Loans, Debt Consolidation Loans, Grab/Gojek/Taxi Loans, Wedding Loans, Renovation Loans, Medical Loans, Bridging Loans, Study Loans, and many more.

Our Features

So why would you choose us.

Flexible Loans

With up to 12 Months Repayment Period, our Cash Loan option has been designed to meet your financial requirements.

A+ Service Standard

Above all, you can expect friendly and forthcoming staff who are glad to accede to your requests and evaluate the situation in your best interests.

Debt Consolidation Loans

As part of our mission to protect our customers, we provide Debt Consolidation loans which can be used to pay off multiple creditors at once.

Learn More

The difference between legal money lenders and banks.

As of Oct 2021, there are 156 licensed money lender in Singapore. For one to be recognised as legitimate, it has to be certified by the Registry of Moneylenders under Minlaw.

The difference between these legal money lenders and banks are that banks churn out larger loans while legal money lenders normally distribute only smaller loans. Banks typically take a longer time to sanction and release credit, while legal money lenders can do the job within minutes. Banks are also unable to grant loans to individuals who take home less than $20,000 per annum, but legal money lenders can provide low income earners with loans up to a cap of $3,000. Of course, if more than $20,000 is earned yearly, borrowers are eligible to borrow up to 6 times worth of their salary in some instances. 

These qualities make legal money lenders in Singapore ideal for small and urgent fees you could repay without much struggle.

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The term Personal Loans.

Having to take up Personal Loans does not automatically indicate that you have poor financial management. Experts have expressed that if carefully orchestrated, Personal Loans can be wisely turned into pre-emptive tools to prevent you from falling deeper into debt. If you’re smart enough, you can even use Personal Loans to manage your funds, hence possibly helping you become more financially responsible. With all these successfully implemented, doing so could even assist you in achieving your financial goals.

Did you know that Personal Loans can fix financial problems at their core and be a long term solution? The following are some circumstances in which taking up a Personal Loan could be very beneficial and when you might consider taking up one.  


Medical Emergency

Life is extremely unpredictable and nobody can ever be sure of what comes next. Unfortunately, there are many curveballs that get thrown at us, such as injuries from accidents and health scares. A loan can help to cover these urgent and unprecedented medical costs.


Accidents don’t just happen to our physical health, but to our belongings and assets as well. Sometimes these occur so abruptly, we are not prepared with the funds to foot the bill. Thankfully, personal loans can lend a hand in times like these.

Credit Card Debt

Taking up a Personal Loan to pay back Credit Card debt actually defrays costs. Although it sounds counterintuitive to borrow more money, it can save you more in the long run due to the lower interest rates.

Education Needs

Are you running short on your school fees for this semester? Perhaps you just need a small sum for new textbooks or a laptop? A Personal Loan would cover these costs so you can continue with your studies in peace.


How to Make a Loan.

Step 1

Submit an online application through our website

Step 2

Wait for our loan officer to contact you

Step 3

After discussing the terms and requirements, you will need to undergo an interview

Step 4

Drop by our office to finalize your loan amount and loan terms

Step 5

Once your loan is approved, you have to sign a contract

Step 6

Receive your loan in cash on the spot


We provide various loans to suit your needs

  • Personal Loan
  • Business Loan
  • Debt Consolidation Loan
  • Grab/Gojek Loan
  • Wedding Loan
  • Renovation Loan
  • Medical Loan
  • Bridging Loan
  • Study Loan

Hougang Branch​

1187 Upper Serangoon Road (Hougang Central) #01-21, The Midtown

Singapore 533971

Tel: 6384 0088


5 mins walk from Hougang MRT Station (right infront of bus-stop)

Opening Hours:
11.30am – 8.00pm (Mon to Sat)

10.00am-5.00pm (Sunday)


Toa Payoh Branch​

Blk 190 Lorong 6 Toa Payoh (Toa Payoh central), #01-576

Singapore 310190 

Tel: 6252 0088


5 min walk from Toa Payoh MRT Station (Beside KFC, 7-11 and Guaradian)

Opening Hours:
11.00am – 7.45pm (Mon to Sat)

10.00am-5.00pm (Sunday)


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