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 Joo Chiat

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)

Joo Chiat

Joo Chiat is an arterial road in the eastern part of Singapore. It is also a conserved residential area. It is between Geylang Serai and Marine Parade Road. 

Joo Chiat is the first Heritage Town in Singapore. It empowers and preserves the Peranakan Culture. 

It is well-known for its eateries which made it the best food center in Singapore. They promote multicultural restaurants. Aside from the Peranakan food culture, they also have Chinese and Western food hubs. 

Joo Chiat is the “Little Vietnam” of Singapore. It is because the majority of the restaurants serve Vietnamese food. There are also Vietnamese stores that serve Vietnamese residents in the area. 

Licensed moneylenders in Joo Chiat help residents with their financial problems. 


Guide to Choosing your Licensed Moneylender in Joo Chiat

Finding the best-licensed moneylender could be challenging for borrowers. Since nowadays, many moneylenders are sprouting everywhere. 

Here are some factors to consider when choosing the best-licensed moneylender in Joo Chiat: 


Credible Experience 

The initial step to do is to do a background check. See the moneylenders’ credibility and experience in the market. 

Confirm if they have a valid license from the Singaporean government. This will secure safety on your loan. Next is to check if there are negative reviews about them.

Check their performance in the market. Know how long they have been operating. The more experience they have in the market, the better their reputation is. 


Process for Application and Approval

After selecting the moneylenders that you are looking for, know the necessary documents. 

Ask them all the required documents. And see to it that you provide everything to ensure approval of your application. Requirements per moneylenders could vary. 

Check how long is the processing and approval. Moneylenders’ approval also varies. Some may approve your application fast, others may take a longer time.  

The likelihood of your application to be approved depends on two things. The first one is by providing all the required documents. The second one is their capability to attend to your needs. If they couldn’t provide what you need, they might reject your application. 

Your approval also depends on the type of lender you are applying to. Private moneylenders ask for few documents. Thus making the approval fast. 

Other financial institutions will assess their borrowers. This could lengthen the process of approval. 


Interest Rates

Paying for the interest rate is something that goes along with your loan. This is where moneylenders earn. 

As a borrower, make sure that your moneylender asks for a fair and reasonable interest rate. The unreasonable high-interest rate could be a burden to you. 

Consider comparing the interest rates of financial institutions. Choose the one that you think you can afford on paying. 

Try to compute the monetary value of the interest rate. This can give you an idea of how much will be added to your loan repayment.

Before signing the contract, ask if there are other fees. They might ask for additional payments on your application.

Licensed Moneylender in Joo Chiat

Payment Scheme 

As a borrower, there could be a time that you will struggle with your finances. You must ask how flexible is a moneylenders’ payment system.

Talk to your moneylender about your capability for repayments. This will give them a heads-up on how to put adjustments. This way they can get a guarantee that you can pay them back. 

Ask about their different payment system. Most moneylenders, offer various payment schemes. Choose what fits you in paying the loan. 


Benefits of Getting a Loan from Licensed Moneylenders in Joo Chiat


Unforeseen Expenses

Emergency expenses are unavoidable. Disasters or emergencies can happen at any time without foreseeing them. 

Getting a loan can help provide money for your emergency expenses. It could be a solution to help you get back up again when struck by disasters. 



Education is one of the highest necessities for living. Education can help you get to your dream life. So, investing in education is a priority for most people.  

Sometimes, the expenses for education can be a burden. So, getting a loan can help you meet your financial needs for education.



Getting enough capital could be a struggle for business people. For startup entrepreneurs, getting a loan can support starting their business

For established entrepreneurs, getting a loan can help sustain their business. This can keep their business running and stay in the market. 

Getting a loan for capital is good for both starters and established entrepreneurs. It can help them stay in the market. At the same time, it can help grow their business more. 


Paying Off Debts

Paying your debts could be a struggle for some. This is especially if they have several debts from different debtors. 

Having various debts from different debtors can be a problem. It can pose higher interest rates when added up. 

This could be stressful for borrowers. They have to keep track of all the debts to avoid not paying them at their due time. 

The solution for this is to get a loan from a licensed moneylender in Joo Chiat. Pay off all the debts from various debtors. This will lead to a single loan which is earlier to manage. 

It can lower the interest rate compared to having several lenders. Licensed moneylender usually offers a fixed interest rate.

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