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Licensed Money Lenders Lucky Plaza

Small Loans, Big Solutions

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

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

Eligibility and Documents Needed

For Self Employed

For Taxi Drivers

Lucky Plaza

One of the iconic shopping centres in Singapore is Lucky Plaza. This shopping centre is located on Orchard Road. 

Lucky Plaza is a popular place for budget shoppers, offering a wide range of products at affordable sale prices. 

Moreover, money lending companies are readily accessible to shoppers and anyone in need of quick cash.

Visit the place and check out the licensed moneylenders in Lucky Plaza. 

Licensed moneylending in Lucky Plaza identifies factors that drag down Credit Score. 

Your credit score is a defining factor of your loan approval. To secure a loan, a borrower needs a good credit record. 

But how will you know if you’re on the right track to keeping your score healthy?

Listed below are the factors to consider in grading your credit score. 

Number of credit accounts

A credit, regardless of its amount, is still a credit. If you have a small credit from one credit card then have another, it drags down your score. 

Money lending companies recognize this as a red flag. You’ll have a handful of repayment dues to handle. Also, closing all your accounts is not advisable by the Licensed moneylenders in Lucky Plaza.

The best you can do is to keep an account or two. Pay them off on time as expected. This way, you can recover your credit score. 

No Credit History

No credit history is defined as an ungraded credit. Without credit, lending facilities cannot evaluate your payment attitude. 

Your lender needs to identify if you’re a high-risk or low-risk borrower. If you lack a credit score, it can pose a problem in your loan application. 

Your home loan or auto-loan approval is at risk. The best you can do is open a single credit account. Remember to pay off the service on time. 

On the other hand, you can visit the licensed moneylenders in Lucky Plaza. They entertain zero-credit borrowers. You can choose a loan product appropriate for your situation.

Be reminded of the importance of on-time repayment. 

Multiple loans in short intervals

If no credit history is bad, too many loans are not a good thing as well. Banks and other financial institutions recognize it as a red flag. 

Multiple loans indicate that you’re in financial desperation. Usually, this happens if you applied for an insufficient loan. 

Take your car loan, for example. Your approved car loan is underestimated. You still have to pay other fees aside from the actual car price. Since you need more funds, you apply for a new personal loan. 

Save yourself from a bad credit score. Shop around and calculate how much you actually need before you apply. 

Aside from this, some borrowers take out a loan to cover another repayment. Licensed moneylenders in Lucky Plaza discourages this doing. 

Be a responsible borrower. Always use a loan calculator to estimate your repayment properly. Avoid getting another flexible loan just to payout an existing loan. 

Multiple loans at the same time

The simultaneous loan application is a typical doing of Singaporeans. You might think it can secure you a fast and better loan service. But, actually, it can drop down your credit rating. 

In the eyes of the lending institutions, you’d look too needy. Don’t ask and apply for loans all over the place.

Before you apply, check the moneylending’s official website and compare the interest rates of various loans. The good news is some lenders are offering low-interest personal loans. After your personal research, you can decide which is the best one for you. 

Licensed moneylenders in Lucky Plaza have a wide variation of online loan services. Check them out

Licensed Money Lenders Lucky Plaza

Late repayments

One of the responsibilities of moneylenders is to report your payment attitude. Your late repayment is reflected in your credit rating. 

Be a diligent payer. Reputable lenders will trust you as a low-risk borrower. 

If late repayment is inevitable, consult your loan officer immediately. 

Licensed moneylenders in Lucky Plaza have helpful and friendly personnel. They can adjust the repayment term as long as you oblige with your responsibility. 


Bankruptcy stays in your credit history. This is a hindrance to your financial endeavours. It is reflected in your record for up to five years. Good thing you can clear your bankruptcy status. 

You can still apply for an auto loan or house loan and talk to your trusted loan executive. Licensed moneylenders in Lucky Plaza can help figure out the best loan option for you. 

You get instant loan cash and, at the same time, recover your credit score. 

Default credit

Lenders report consistent repayment failure as a loss. 

Do you want to escape this dilemma? Defaulting your credit is not an option. It will be in your credit history. Money lending institutions will doubt if you’re responsible. 

Also, a default credit pulls down your credit score. You should avoid this situation. What you must do is pay off your loan on time. 

Now that you know what drags down your credit score stay away from it. This way, you can improve your score. Future loan plans are in good hands. 

Credit Score Improvement with the Licensed Moneylenders in Lucky Plaza

Your credit score has a great impact on your life. It can make your dream house come true. It can lose your chance to drive your dream car.

Maximize your loan opportunities. Improve your scores in this way.

Repay your debts responsibly.

The most simple yet challenging way to improve your score is on-time repayment. Mark your calendar about your next due date, and set an alarm on your phone as a reminder. 

The moneylenders in Lucky Plaza consistently remind borrowers of their nearing payment due.

Start with small loans.

Building a healthy score takes time. Start it up with small loans. Use loans depending on what you need. If you need capital for your small business, you can take business loans. Some are getting renovation loans to fix or upgrade their homes, while others take a wedding loan or payday loan. No matter which loan you take, bear in mind that you should pay it off on time. 

After accomplishing the financial obligation, proceed with a new personal loan as needed. 

Slowly but surely, it can pull your score up. 

Licensed moneylenders in Lucky Plaza is the best financial partner you can get. Besides, these lending companies are strictly following the Moneylender’s Act set by the Ministry of Law. They do not solely focus on money lending.

Financial assistance and counselling for every borrower are one of their priorities. Help yourself. Apply for a flexible loan term now.

Related Article: What to Eat in Lucky Plaza: The Ultimate Food Guide

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