Cash Mart Pte Ltd is one of the very few licensed moneylenders in Singapore that strictly operates independently where clients information are kept fully confidential and not distributed. As a licensed personal loan moneylender in Singapore, we do not advertise nor solicit any advance fees for pre-approved loans through SMS, over the phone or emails. In case of any issues, contact us at 6397-4111 or

Licensed Moneylenders in Chinatown

Your Privacy and Security, Protected

We take full measures to protect your identity.

Your Application is 100% confidential.

Small Loans, Big Solutions

Access extra cash when you need it the most from your online lending partner.

Short Term Loans

We offer the most flexible repayment terms you can meet with ease.

Money on Demand

Get your cash in less than 30 minutes after you signed your loan contract with us.

Trusted Transparency

From our online loan calculator to loan contract - we ensure no hidden charges!

Eligibility and Documents Needed
  • Loan applicant must be aged 21 years and above
  • Singapore Citizen or Permanent Resident
  • In employment
For Salaried and Commission-based Employees
  • Identification Card (NRIC)
  • Singpass Login
  • Proof of billing ( Any latest bill indicating residential address)
  • Latest 3 month original payslip (Only applicable if there is no cpf contribution)
  • Letter of employment (Only applicable for new employment)
For Self Employed
  • Identification Card (NRIC)
  • Singpass Login
  • Notice of assessment (NOA indicating trade income)
  • ACRA (Accounting/Corporate Regulatory Authority)
  • Proof of billing ( Any latest bill indicating residential address
For Taxi Drivers
  • Identification Card (NRIC)
  • Vocational license
  • Taxi pass
  • Min 7 days job summary
  • Proof of billing ( Any latest bill indicating residential address)

Licensed Moneylenders in Chinatown


Lies in Singapore Central Area, Chinatown is a vibrant contrast to the rest of the city. The streets have low rise buildings and are bursting into the culture.

Add to that the fragrant smells of traditional cuisine up to the bold red and gold tones that run through the neighborhood.

Chinatown is a proud area of heritage. You can see ornate Chinese, Buddhist and Hindu temples and museums.

On top of that, it houses trusted moneylending facilities for its residents. Licensed moneylenders in Chinatown are on the top list. Check out why. 


Why you should get a Personal Loan from the Licensed Moneylenders in Chinatown

Are you confused about which lending institution you should approach? 

Try out the licensed moneylenders in Chinatown. Their personal loans are at the top list of Singaporean borrowers.

Read on to understand.

No Collateral

Unsecured personal loans do not require an asset to qualify.

Unlike secured loans wherein there is a high risk of losing your collateral if you fail to pay back the loan.

With this, the cost of unsecured loans is generally higher. Lenders have no fallback if you don’t pay off. Moreover, it will still affect your credit score.

Better take a personal loan and repay it on time. You’ll be rewarded with your future loan plans.


Good Alternative

If you have a low credit score, you may consider a personal loan. It is also considered as a flexible loan and offers low-interest rates and fees.

Taking a short-term personal loan can increase your credit score as well. The moment you take out a loan and pay it on time, you started building a healthier score for you.

Licensed moneylenders in Chinatown do not disqualify low credit borrowers.

Despite the high-risk of lending them money, they find a way for the borrower to pay on time.

With flexible repayment terms, a personal loan is definitely the best option.


Cost Less

Compared to credit cards, a personal loan gives lower interest rates and manageable monthly repayment. 

Last May 2019, the Federal Reserve data showed that the average credit card interest rate is 15.09%. On the other hand, a 24-month personal loan is 10.36%.

Because of this, it proves that taking out a personal loan from licensed lenders fits perfectly in your budget.

Continuous use of credit cards can dig a deep hole of debts.

Look for licensed moneylenders in Chinatown and inquire about the personal loans they offer.


Cover Emergency Expenses

Singaporeans go into debt to cover unplanned expenses. This has a negative effect on credit scores and may stack a lot of interest. 

Six out of 10 Singaporeans have an emergency cost that they could not may be an emergency medical expenses, car problems or unexpected increase in utility bills.

A personal loan from legal lenders is way cheaper than using a credit card. It saves your credit score and money.

Search for the licensed moneylenders in Chinatown and know why.

Ask yourself if it’s really necessary to take out a loan. If yes, choose a personal loan from trusted and reputable lenders in Singapore.


Licensed Moneylender in In Chinatown

Discovering Licensed Moneylenders in Chinatown against Loan Sharks

Different lenders pop out as the lending industry grows. However, the probability of encountering fraud lenders or the so-called ‘loan sharks’ is high.

Singapore regulated the lending industry through the Moneylenders Act, which is to strictly follow by all lenders.

The purpose of regulating the said industry is to make sure that certain moneylender does not abuse the people with high-interest rates and other unnecessary charges.

Better to be wiser and smarter in choosing a licensed moneylender because they will keep your finances and expenses manageable.


Here’s why.

Complete and Detailed Contract

A Note of Contract is an important document in your personal loan application. It serves as your protection and it must be kept with the utmost care.

When you’re approved, you have to sign a contract. 

Read it first with full comprehension. Ask questions to clarify statements and charges. 

Licensed moneylenders in Chinatown elaborates all the details written in the contract. 

Anything that you have agreed upon your loan including the total amount of loan, interest rate, penalty fees, and other fees is in the contract. 

While loan sharks, they do provide unclear contracts or sometimes ask you to sign an incomplete form. Do not accept their request.


Borrower’s Note of Contract

It is very important that you have your own copy of the Note of Contract. 

Every trusted lender like the licensed moneylenders in Chinatown is expected to provide a copy to its borrowers. 

You must check if it is duly notarized and signed by both the lender and the borrower. 

Also, you must read it if it is similar to the original contract you signed. 

Contrary to this are loan sharks. They don’t provide a contract copy to their borrowers. They reason out for possible delays. But in reality, they do not provide. 

Remember, the Note of Contract is your security for the personal loan you have applied. 

Always ask for your copy. 


Less Stringent Document

Applying for a payday loan nowadays is quite easy. There’s no need to fulfill the long list of requirements. 

You just have to present the mandatory requirements. 

Licensed moneylenders in Chinatown require you a personal identification card, proof of income and SingPass. 

These documents are very accessible. You bring it with you every day. Complete the requirements within hours before you proceed to the lending office.

On the other hand, loan sharks say that their loan process is easy and only requires a single document. Don’t be fooled by them.

Remember, it is important for licensed money lending institutions to check and investigate the client’s background. This is to assess the client’s credibility. If he or she is trustworthy and capable to pay the loan.


Processing Fee

For every loan application, a processing fee is required for the loan. 

But this does not mean you have to pay it upfront. 

Licensed moneylenders in Chinatown give you options. Either you pay the processing fee on installment or is it deducted on the loan amount. 

Weigh your options before you decide. 

What loan shark’s doing is they will ask you for an upfront payment of the processing fee. How will you pay the fee when you’re there to borrow money in the first place? 

Usually, unlicensed moneylenders do charge an enormous fee. 

Keep in mind that the permitted maximum amount of fee is 10% of the principal loan amount.


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