Best Licensed Toa Payoh Money Lender: Goldstar Credit

Your top legal money lender for fast cash loans.

Toa payoh money lender Goldstar credit shop front

More than 1,700 5-star reviews on Google

Highest reviewed licensed money lender in Toa Payoh

Toa Payoh New Town is the second oldest satellite town and first to be built by HDB in the late 1950s.

The town centre of Toa Payoh Central was the first prototype in Singapore, surrounded by different neighbourhoods, each of which has their own malls and community centres. 

Although there are around 10 licensed money lenders in Toa Payoh, Goldstar clearly stands out above the rest as the pioneer licensed money lender in the area, having set up our Toa Payoh branch in 2013 to serve residents in this mature estate in the north of Singapore.

We pride ourselves on our expertise and experience in assessing our customers’ financial needs, so we can tailor-make loan solutions that work best for them. Our loan officers have at least 10 years of experience in the money lending industry and our Test Qualified Officer has 8 years of experience.

We understand that our customers’ needs are varied and urgent, and we strive to fulfill these through flexible, secure, and convenient fast cash loans. At Goldstar Credit Pte. Ltd., we take pride in our high loan approval rate, and we hope to help even those with bad credit. 

Enjoy transparent loans with no hidden costs, without the need for collaterals or guarantors. Instant loan approval can be granted in just under 10 minutes.

We also guide our customers on how they can avoid loan scams and identify unlicensed money lenders

Till date, we have served more than 23,000 customers. Our loan terms are well-catered to customers’ needs and budget, so that 90% of our customers are able to repay their loans on time.

Here’s what our customers have to say about us:

Zaleha PutehZaleha Puteh
10:46 28 Sep 21
Very good service n friendly staff
york feng limyork feng lim
07:31 18 Feb 21
Fast and good service. Very friendly.
05:59 18 Sep 20
Very helpful will come again if need
Chew MrChew Mr
11:11 17 Sep 20
Appreciated many. Helped me a lot. BEST
Jojo SeowJojo Seow
10:57 16 Sep 20
Vanessa is really helpful for my needs. her service is really good.

Why Goldstar Credit is trusted by so many customers

What customers love about our location in Toa Payoh central

Located just a 3-minute sheltered walk from Toa Payoh MRTToa Payoh bus interchange and various major banks (such as UOB, OCBC, DBS and Maybank), you can reach us quite easily via public transport. If you are driving, we are also easily accessible via PIE and CTE and there are open-air carparks and multi-storey carparks nearby.

Our central location increases the convenience of borrowing, cutting down on your traveling time. As we are close to the central business district, those who work in central Singapore can even drop by quickly for their cash needs at the end of their work day or during breaks.

A money changer and money remittance shop are also right beside our shop, if you need these financial services.

We are also just a stone’s throw away from HDB Hub, various bakeries, Giant and NTUC Fairprice supermarkets, various dining options (from hawker centres to fast food restaurants) as well as dental and GP clinics, so you can conveniently run your errands as well. 

Looking for a licensed money lender in Toa Payoh central?

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Our office features

Our fully renovated and air-conditioned office has a cosy waiting area with free packet drinks and a hot-and-cold water dispenser as well as phone charging stations, so you can chill and relax while waiting for your turn to chat with our friendly loan officers.

We are also equipped with free masks and hand sanitisers in case you need any. We take hygiene and your security very seriously – our place is sanitised daily and equipped with CCTVs and emergency alarms. You can also find our license and related money lending certificates displayed throughout our office.

An important mission of ours is to educate our customers on loan scams and fraud, so when you drop by, you’ll notice a number of related articles displayed in our office as well. Feel free to chat with our loan officers on these – they will be more than happy to share more with you.

Who can apply for a loan with us?

These are our eligibility criteria:

  1. You need to be 18 years old and above
  2. You need to be a resident of Singapore (Singaporean, Permanent Resident or foreigner with an employment or work pass)
  3. You should either be employed or have a consistent source of income
  4. Your loan limits depend on the income requirements as stated below:

Annual Income

Loan limits for Singaporeans / Permanent Residents

Loan limits for Foreigners

Less than $10,000



At least $10,000 but less than $20,000



At least $20,000

Up to 6 times monthly income

Up to 6 times monthly income

How to apply for a loan with Goldstar Credit?

Get your cash in 3 simple steps

Find out more about our loan processes here.

Looking for a fast personal loan in Toa Payoh?