Instant Loans in Singapore | Fast Approval & Quick Cash

Our instant cash loans provide funds for all kinds of emergencies. Quick, efficient, and reliable — enjoy fast loan approval with Goldstar’s Credit instant online loans.
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Let fast cash loans in Singapore solve your problems swiftly

When an unexpected crisis occurs, you’d want the funds to resolve it as soon as possible. An instant online loan in Singapore from a reputable licensed money lender like GoldStar is your best bet. Although you can apply for cash loans in Singapore at a bank, processing usually takes longer, not to mention the possibility of additional checks.

With GoldStar, you can kickstart your application for a fast cash loan in Singapore online or in person. No application fees are charged for this personal loan type, and our loan offers do not bear any hidden costs. The best part? We process all applications efficiently, especially if you have all the necessary supporting documents on hand.

How can our instant cash loan in Singapore help you?

With our instant loans in Singapore, you can borrow up to six times your monthly income. Furthermore, all of GoldStar’s online cash loans in Singapore are processed and disbursed as quickly as the day you apply. Don’t worry about waiting days, or even weeks, for funds you urgently need during an emergency when you have our quick cash loans in Singapore to rely on.

Get your cash loan this instant!

What’s so great about our quick loans in Singapore?

1. Flexible loan amounts and tenures

Remember, you can borrow up to six times your monthly income when you apply for instant cash loans in Singapore. And no matter how much you’re borrowing for your instant loan in Singapore, you can opt for a tenure of up to 24 months. However, do note that approval is ultimately subject to the licensed money lender’s discretion.

2. Competitive interest rates and transparent fees

Cash loans in Singapore from licensed money lenders follow stringent regulations set out by the Ministry of Law. The maximum interest rate is 4% a month. This limit also applies to the interest rate for late repayments, and additional late repayment fees cannot exceed S$60 per month. The loan processing fee is capped at 10% of the principal amount too.

3. A speedy and simple application process

Applying for a fast loan in Singapore with GoldStar is seamless. Enjoy the benefits of your personal loan right after you prepare the supporting documents, apply online or in person, and review and sign the loan offer. You don’t have to jump through multiple hoops or wait for an unnecessary long time just to receive approval.

4. The flexibility to apply via your preferred method

You can sign up for an instant cash loan in Singapore either online or in person. And if you have a Singpass ID, you can use it to further speed up your online application. Happen to be near GoldStar’s office in Hougang or Toa Payoh? Pop in and apply there. If you have the necessary supporting documents with you, we’ll even process your personal loan application on the spot!

Ready to get started? Let our instant loan help fund your emergency in a jiffy.

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Boost your chance to secure an online cash loan in Singapore

When you need to settle an emergency that has blindsided you, it’s easy to panic and rush through the application process for a quick cash loan in Singapore. However, ensuring you fill in your details accurately and submit the right supporting documents are crucial to increasing the odds of your loan application being approved. Here are more ways to boost your chances:

Limit your loan amount

Your desired loan amount should be a reasonable sum that ensures you’re capable enough to repay it fully with your current income. Seeking an online cash loan in Singapore with a bigger loan amount that is more than what your income can pay off can seem risky to money lenders.

A smaller loan amount is less risky for lenders and may speed up the loan application process without the needless back and forth of verifying your ability to repay a loan if you were to get a bigger loan sum. More importantly, you won’t have trouble managing your finances and be able to repay it promptly, which may even boost your credit score.

Have a high credit score

You can apply for a fast loan in Singapore with a bad credit score and receive approval quickly, especially if your income is high, but a good credit score has its perks. If your income is lower but your credit score is high, licensed money lenders are encouraged to approve your loan quicker. That’s because you have a demonstrated history of being a responsible borrower.

That’s not all. The licensed money lender is also encouraged to offer you a preferential interest rate and better loan terms for your instant loan in Singapore. It doesn’t have to worry about you defaulting on the loan. This means saving the company precious time, effort, and even money from having to seek repayment.

Ensure you have all the supporting documents ready

Before you start applying for a quick loan in Singapore, prepare all your supporting documents first. These documents verify your identity and prove that your income meets your loan amount’s requirement, which allows the licensed money lender to process your application quicker.

FAQs About Instant Online Loans in Singapore

Q1. When do you need a fast cash loan in Singapore?

As its name suggests, you need fast loans in Singapore when an emergency situation occurs and funds are required quickly to settle it. These situations include:

Unexpected hospital bills if your child needs surgery after getting badly injured
New appliances, furniture, and fittings if a fire breaks out in your home or pipe bursts
Extensive repairs if your vehicle breaks down. For example, having to install a new turbocharger and suspension for your car

This list is not extensive. You can even use instant cash loans in Singapore to fund business projects or solve emergencies at work (if you own a company).

Q2. How fast can I get online loans in Singapore?

You’ll be glad to know that you can receive approval and the funds for your instant online loan in Singapore in minutes. To boost your chances of same-day approval, apply early, preferably when the licensed money lender opens for the day. Additionally, prepare your supporting documents first and make sure all details in your loan application form are accurate.

This gives the company more time to process your application and prevents any back and forth. The only time you’ll need to return to its business premises is to review the loan offer and sign it.

Q3. Who’s eligible to apply for a quick cash loan in Singapore?

Depending on how much you wish to borrow, anyone can apply for quick loans in Singapore, provided that you’re:

At least 18 years old
Drawing a stable income
Living in Singapore, whether you own or rent a home

This doesn’t mean you have to be employed on a full-time basis at a company. You can even be a business owner. As long as you can prove that you’re living in Singapore and have a steady flow of funds to your bank account, you can apply for cash loans in Singapore.

Q4. How do I apply for a fast loan in Singapore?

Follow the five steps below to apply for fast cash loans in Singapore:

Submit your fast loan application along with your supporting documents.
Get updated on your application status in 20-30 minutes.
Go down to our office, sign the loan offer, and receive your cash in-hand or via PayNow.

Q5. What documents do I need to apply for an instant cash loan in Singapore?

As detailed in the section “Ensure You Have All the Supporting Documents Ready”, you need these documents when applying for an instant online loan in Singapore:

Your NRIC or passport (identity proof)
Your latest three payslips or CPF statements (income proof)
A tenancy agreement or the latest utility/telco bill sent to your residential address in Singapore (residence proof)
Foreigners Only: Your employment contract, work permit, or S/E Pass (employment proof)

We understand you have your urgent financial needs, which is why we’re here to help. Get immediate access to funds with our fast cash loan today.
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Benefits of applying for loan online with instant approval in Singapore

Many have chosen to take up an instant online loan in Singapore from a licensed moneylender because the application process is so fast and easy. All you need to do is to apply for your loan online.

Unlike other loan types, moneylenders are less strict with their requirements when applying for an online cash loan in Singapore. Once the loan officer from the moneylender gives you a call, and your loan has been approved verbally, you will need to go down to the moneylender’s office for a face-to-face verification and sign a loan contract. Then you’ll get your cash credited into your account, all on the same day.

Who can apply for an online personal loan in Singapore?

Everyone from Singapore citizens, PR and even foreigners can apply for instant online loans in Singapore. You must be at least 18 years and above and must be working and living in Singapore. You will be required to show proof of income and residential address. These documents include payslips, utility bills or rental agreement.

Why choose GoldStar Credit for your online cash loan in Singapore?

GoldStar Credit is a licensed moneylender registered with the Ministry of Law in Singapore. Enjoy our hassle-free application loan process with high approval rates. During the entire online loan application process, we will ensure that you are aware of all the terms and conditions of the loan. Additionally, our loans come with attractive interest rates and a flexible repayment plan to suit your needs.

Fill in our online application form and our professional loan officers will ensure that your loan applications are processed as quickly and efficiently as possible, so you’ll be able to get the loan approved in under 20 minutes!

How to apply for an instant online loan in Singapore?

Step 1: Apply online

Fill in our online loan application form in Singapore, and wait for a call from us.

Step 2: Face-to-face Verification at the moneylender’s office

After receiving a loan confirmation call from our loan officer, make your way down to the moneylender’s office with the following documents:

For Singaporeans/PRs:

Personal identification documents such as NRIC or Passport
Access by your SingPass account (for CPF Statements and IRAS Notice of Assessment)
Payslips from the last 3 months
Proof of income (bank statement, commission invoices or any proofs of earning) – only for Self-Employed Singaporean/PRs

For Foreigners:

Step 3: Signing of loan contract

Before signing the loan contract, ensure that you understand all the terms and conditions of the loan. Besides having a principal loan amount in mind, consider the licensed money lender’s interest rates, loan tenure period, and other additional fees. Review your repayment period – can you afford to make the monthly repayment timely, or should you take up a longer loan tenure?

Clarify with your loan officer when you don’t understand something – be it with interest rates or a loan condition. It is important that you fully understand the loan terms before agreeing to it. Once everything is clarified and made clear to you, you can proceed to sign the loan contract.

Step 4: Get your fast cash loan instantly!

Once you sign the contract, you will be able to get your funds either in cash or transferred into your bank account. The whole process should take less than a day. Remember to make timely monthly payments, so you don’t accumulate unnecessary late interests and fees!

Looking to apply for a loan online in Singapore?

Enjoy a hassle-free process, fast loan approval and get your questions answered by our friendly loan experts that you can trust.

Location.

Find us at The Midtown, 1187 Upper Serangoon Road number 1-21, Hougang Central, a quick five-minute distance on foot from Hougang MRT. We look forward to meeting you to discuss the financial solutions available to you. Let us help you achieve your goals, be it in business or in life. Here at Gold Star Credit, we are honoured to be your trusted financial partner.