Finance Buddy Pte. Ltd. holds licence 110/2025, issued by Singapore’s Ministry of Law. They operate under the Phillip Credit brand, backed by PhillipCapital (established 1983), from their office at 250 North Bridge Road, Raffles City Tower. PickMeALoan has vetted Finance Buddy and endorsed them as an aligned lender partner.
Key takeaway: Finance Buddy is one of the few licensed lenders in Singapore backed by a major financial services group. PhillipCapital has been in the market since 1983, and Finance Buddy’s lending arm — operating under the Phillip Credit brand — offers something most licensed lenders don’t: the ability to borrow against your investment assets while retaining full ownership and dividends.
Most licensed lenders in Singapore operate as standalone businesses. Finance Buddy sits in a different category. As a lending entity under PhillipCapital — one of Singapore’s established financial services groups — they bring institutional infrastructure to the licensed lending space. That’s a combination worth paying attention to.
Today we’re welcoming Finance Buddy Pte. Ltd. as a PickMeALoan aligned lender partner. Their licence (110/2025) has been verified against the Ministry of Law’s register, their borrower track record reviewed, and they’re now fully integrated into our AI-managed matching system.
Here’s what that means for you, and why we chose them.
What is an aligned lender partner?
Finance Buddy operates under PhillipCapital’s institutional governance framework — compliance standards, risk management, and operational discipline that exceed the minimum licensing requirements. An aligned partner on PickMeALoan is a licensed lender whose governance and borrower experience meet our vetting criteria: verified licence, transparent terms, and competitive rates within the MinLaw-regulated cap. Finance Buddy’s institutional backing made their alignment clear from the start.
Why Finance Buddy? The lender with institutional backing
PhillipCapital heritage — over 40 years in Singapore’s financial sector
Finance Buddy isn’t a standalone shop. They operate under PhillipCapital’s Phillip Credit brand, and PhillipCapital has been part of Singapore’s financial services landscape since 1983. That’s over four decades of regulatory compliance, institutional governance, and operational discipline across multiple financial verticals.
What does that mean for borrowers? It means Finance Buddy operates with the compliance standards and risk management frameworks of a larger financial group — not just the minimum requirements. The infrastructure behind the counter matters when you’re signing a loan agreement, even if you never see it directly.
Their licence (110/2025) is verified on the Ministry of Law’s register, and licences are renewed annually, so each renewal represents a fresh compliance check.
Asset-backed lending — borrow without liquidating your investments
Borrow against your investments without selling them
This is where Finance Buddy stands apart from most licensed lenders in Singapore.
If you hold investment assets — shares, bonds, insurance policies, or unit trusts — Finance Buddy’s secured lending lets you borrow against those assets without selling them. You retain full ownership. You continue receiving dividends, interest, or coupon payments on the pledged assets. The asset simply serves as collateral for the loan.
For investors who need liquidity but don’t want to sell into a down market, or who have insurance policies with cash value they’d rather not surrender, this is a meaningful option. Most licensed lenders in Singapore focus on unsecured personal loans. Finance Buddy offers both, but their secured lending capability is the differentiator that caught our attention.
Secured loans backed by qualifying assets also typically attract more competitive rates compared to unsecured lending, because the collateral reduces the lender’s risk. Your actual rate depends on the type and value of the pledged asset, your loan amount, and your overall credit profile. All rates remain within the Ministry of Law’s regulated cap.
If you’re considering whether asset-backed lending suits your situation, you can compare rates across our partners to see how different lenders structure their offers for your specific profile.
How does Finance Buddy compare to other licensed lenders?
Most licensed lenders in Singapore serve a relatively similar market with unsecured personal loans. Finance Buddy’s dual offering — secured and unsecured — means they can serve both the borrower who needs a straightforward personal loan and the investor or professional who wants to unlock liquidity from an existing portfolio.
The PhillipCapital connection also gives them access to a client base that overlaps with brokerage and wealth management. If you’re already a PhillipCapital client with investment holdings, Finance Buddy becomes a natural option for bridging short-term cash needs without disrupting your investment strategy.
For borrowers without investment assets to pledge, Finance Buddy also offers unsecured personal loans under the same licence, subject to the standard eligibility criteria set by the Ministry of Law. You can compare these against other lenders in our licensed lenders directory to see where their offer sits.
Clear terms, borrower-focused approach
Finance Buddy’s approach centres on transparency — a quality our directory highlights under “Borrower Focused” and “Clear Terms.” In the licensed lending sector, how terms are explained before signing matters as much as the terms themselves. The Ministry of Law requires all licensed lenders to explain terms clearly, but the quality of that explanation varies across the industry.
Borrowers working with Finance Buddy describe a consultative process where loan officers take the time to walk through every detail, answer questions, and ensure borrowers understand the full commitment before proceeding. For foreign borrowers exploring loan options in Singapore, this kind of patience in explanation is particularly valuable when navigating an unfamiliar regulatory environment.
Interest rate framing: the Ministry of Law caps rates at 4% per month for all licensed lenders in Singapore. That’s the ceiling for every lender in the country, including Finance Buddy. Your actual rate depends on your income, loan amount, credit profile, and whether you choose a secured or unsecured loan. When you compare rates across our partners, you see what different lenders actually offer for your specific situation.
Raffles City Tower, central Singapore
Finance Buddy operates from a single office in the heart of Singapore’s CBD.
Raffles City Tower (250 North Bridge Rd, #06-00, Raffles City Tower, Singapore 179101) is directly connected to City Hall MRT, which sits on both the East-West and North-South Lines — two of the most well-connected lines in the network. Esplanade MRT on the Circle Line is also within walking distance. The building is above Raffles City Shopping Centre, making it accessible from multiple directions.
You can reach Finance Buddy at +65 6521 6858 or email loans@phillipcredit.com.sg to ask about eligibility before heading down. If you can’t make it in person before applying, PickMeALoan handles the comparison and matching step — you only visit the office once you’ve received an offer and chosen to proceed.
How our lean model benefits borrowers
Finance Buddy’s PhillipCapital heritage means their cost structure is already more efficient than most standalone lenders. Pair that with PickMeALoan’s AI-driven platform — no human sales floor, no heavy overheads to recoup from partners — and the economics flow through to borrowers. All rates stay within the Ministry of Law’s 4% monthly cap; compare what different lenders offer for your profile to see the difference, or read our step-by-step guide to understand the full process.
Finance Buddy at a glance
Finance Buddy at a Glance
How to access Finance Buddy through PickMeALoan
Apply on PickMeALoan
One application, under 2 minutes via Singpass. Your profile is matched against all aligned partners, including Finance Buddy.
Receive offers in WhatsApp
No portals, no logins, no sales calls. Offers come to you directly in WhatsApp.
Compare and choose
See rates from multiple lenders side by side. Pick the one that fits your situation.
Proceed with your chosen lender
We set up the appointment. You visit Finance Buddy at Raffles City Tower for the required in-person verification.
You can also contact Finance Buddy directly at +65 6521 6858 or email loans@phillipcredit.com.sg. Comparing first takes two minutes and costs nothing — and you’ll see how their offer sits against other options before deciding.
To see how Finance Buddy compares against other licensed lenders and banks, visit our licensed lenders directory.
Frequently asked questions
Yes. Finance Buddy Pte. Ltd. holds licence 110/2025, issued by Singapore's Ministry of Law. They operate under the Phillip Credit brand, backed by PhillipCapital (established 1983). You can verify their current status on the Ministry of Law's register at rom.mlaw.gov.sg.
Finance Buddy Pte. Ltd. is a licensed lending entity that operates under PhillipCapital's Phillip Credit brand. PhillipCapital has been in Singapore's financial services industry since 1983, giving Finance Buddy institutional infrastructure and governance that most standalone licensed lenders don't have.
Finance Buddy specialises in both secured and unsecured loans. Their secured loans let you borrow against assets like shares, bonds, insurance policies, and unit trusts — you retain full ownership and continue receiving dividends or interest on the pledged assets. Unsecured personal loans are also available, subject to eligibility.
250 North Bridge Road, #06-00, Raffles City Tower, Singapore 179101. The office is in the CBD, accessible from City Hall MRT and Esplanade MRT stations.
The Ministry of Law caps rates at 4% per month for all licensed lenders in Singapore. Your actual rate depends on your income, credit profile, loan amount, and whether you opt for a secured or unsecured loan. Secured loans backed by qualifying assets typically attract lower rates.
A licensed lender that PickMeALoan has vetted and endorsed. We verify their licence, review their track record and borrower experience, and confirm they meet our borrower-first standards before integrating them into our matching system.
Submit one application on PickMeALoan (under 2 minutes via Singpass). Our AI matches you against all aligned partners including Finance Buddy. Offers arrive in WhatsApp, no sales calls.
Last updated: 2 July 2026. Licence 110/2025 verified against the Ministry of Law’s register of licensed lenders (as at 1 June 2026). Google review data sourced from Finance Buddy’s Google Business listing (4.7-star rating as of 2 July 2026; re-verify at time of publication). All licensed lenders operate under lending regulations set by the Ministry of Law; loan approval is not guaranteed and is subject to each lender’s assessment.
By Daniel Koh, Personal Finance Expert at PickMeALoan.
