PickMeALoan is proud to welcome Credit Xtra Pte Ltd as our newest aligned lender partner. Credit Xtra is a licensed lender based at People’s Park Centre in Chinatown, Singapore, and they are now fully integrated into PickMeALoan’s AI-managed loan matching system.
Before we onboard any lender as an aligned partner, we conduct our own due diligence — verifying their licence, reviewing their track record, and evaluating the borrower experience they deliver.
What Is an Aligned Lender Partner?
An aligned lender partner is a licensed lender that has been vetted by PickMeALoan and integrated into our AI-managed matching system. When you submit a loan application on PickMeALoan, your profile is automatically compared against all aligned partners’ criteria — so you receive multiple matched offers without visiting separate offices.
Credit Xtra at a Glance
| Detail | Information |
|---|---|
| Full Name | Credit Xtra Pte Ltd |
| UEN | 200923548G |
| Licence No. | 95/2025 |
| Regulator | Ministry of Law |
| Address | 101 Upper Cross Street, #B1-69 People’s Park Centre, Singapore 058357 |
| Nearest MRT | Chinatown (NE4 / DT19) |
| Hours | Mon-Fri: 11am-7:30pm, Sat: 11am-3:30pm |
Loan Products
Credit Xtra offers a wider range than many licensed lenders:
- Personal Loans — For unexpected bills, weddings, renovations, or debt consolidation (from 3%/month)
- Foreigner Loans — For EP and Work Permit holders
- SME Business Loans — Working capital for small business owners
- Payday Loans — Short-term cash advances with fast disbursement
- Secured Loans — Collateral-backed loans with potentially better terms
Borrowing Details
| Category | Details |
|---|---|
| First-time borrowers | Up to 2 months’ salary |
| Subsequent loans | Up to 6 months’ salary |
| Processing fee | Up to 10% (regulated cap) |
| Disbursement | Same day, cash or bank transfer |
What Do Borrowers Say About Credit Xtra?
With over 200 positive reviews and consistent 5-star ratings, Credit Xtra’s most commonly mentioned strengths include:
- Transparency — All terms explained upfront before signing
- Fast processing — Same-day funds, some reviewers mention under 10 minutes
- Patient customer service — Staff praised for being approachable and clear
- Problem-solving approach — Team actively finds solutions within borrowers’ means
Why PickMeALoan Chose Credit Xtra
- Verified licence — Licence No. 95/2025, publicly verifiable
- Strong borrower experience — 200+ positive reviews, consistent 5-star rating
- Wide product range — Personal, foreigner, SME, payday, and secured loans
- Operational reliability — Established location, six-day schedule, same-day disbursement
- Values alignment — No-hidden-fees approach matches PickMeALoan’s transparency principles
How to Access Credit Xtra Through PickMeALoan
- Submit one application on PickMeALoan (under 2 minutes)
- Our AI matches your profile against all aligned partners including Credit Xtra
- Receive matched offers — no sales calls
- Choose the best offer and proceed
You can also visit Credit Xtra directly at People’s Park Centre, Chinatown.
