At a Glance
What Borrowers Say About SGP Credit
SGP Credit has 5,100 Google reviews at a perfect 5.0-star rating. As with other lenders showing near-perfect scores at high volume, we cannot independently verify that all reviews are organic. But one pattern in the reviews is harder to manufacture: repeat customers. Multiple reviewers say they have been SGP Credit customers for 8+ years. People do not keep returning to a bad lender for nearly a decade.
Borrowers describe the service as fast and friendly, with staff who explain terms clearly and do not pressure you into borrowing more than you need. The “no hidden fees” point comes up repeatedly across reviews. The product range leans heavily toward business and SME lending, which sets SGP Credit apart from competitors that focus mainly on personal loans.
There are very few negative reviews in the data. That looks good on paper, but it also means we have limited information about what happens when things go wrong — late payments, disputes, or complaints. Their single Jurong East location is a practical limitation if you live or work in the east or CBD.
Loan Products
SGP Credit's product lineup is heavily weighted toward business and SME lending:
This business-heavy product mix distinguishes SGP Credit from competitors who primarily focus on personal/consumer lending. If you are a business owner looking for a moneylender who understands commercial lending needs, SGP Credit is one of the strongest options in Singapore.
Rates and Fees
SGP Credit’s interest rates are within the regulated cap of 4% per month. They advertise no hidden fees and personalised payment terms tailored to individual needs — both claims strongly supported by their 5,100+ positive reviews.
Their website includes a Personal Loan Calculator for estimating repayments before visiting. For business loans, the rate and terms will depend on the type of financing, loan amount, and your business’s financial profile.
Specific rates are determined through consultation. Standard regulated fee caps apply:
- Interest rate: Maximum 4% per month
- Late payment fee: Maximum $60 per month
- Administrative fee: Up to 10% of loan principal
SGP Credit promises a fast callback within 1 business day for online applications, so you can get a preliminary assessment without visiting.
Who Is SGP Credit Best For?
Location and How to Get There
SGP Credit is located at Blk 133 Jurong Gateway Road, #01-295, Singapore 600133, in the Jurong East HDB estate that has become a moneylender hub in the western region.
By MRT: Take the East-West Line or North-South Line to Jurong East MRT. Exit towards Jurong Gateway Road and walk about 5 minutes to Block 133. SGP Credit is at street level (#01-295), making it easy to find. Note that Blocks 131, 133, and 135 along Jurong Gateway Road each house multiple moneylenders.
By bus: Jurong Gateway Road is served by multiple bus routes from Boon Lay, Clementi, Bukit Batok, and other western suburbs.
By car: Street parking is available along Jurong Gateway Road, and nearby HDB car parks offer affordable parking.
How to Apply
- Online application (optional) — Submit your application at sgpcredit.com.sg with Singpass integration for a fast callback within 1 business day
- Visit the office — Walk into Blk 133 Jurong Gateway Road during business hours (Mon-Fri 11:30am-7:30pm, Sat 11:30am-7pm)
- Bring your documents — NRIC (or work pass), payslips or business income documentation, and proof of address
- For business loans: Bring ACRA business profile, recent bank statements, and financial records
- Same-day approval and disbursement — Complete the process and receive funds on the same day (subject to the lender’s verification and approval)
Contact SGP Credit at +65 6466 1157 or [email protected] for pre-visit enquiries.
How SGP Credit Compares
Before settling on SGP Credit, see how it compares with other licensed lenders and banks. With PickMeALoan you apply once and receive personalised offers from multiple licensed lenders; our AI matches you 24/7 and we push lenders for their best possible rate (rate-match guarantee from 0.82% per month, 9.88% p.a.), send the offers to your WhatsApp, and set up your appointment. You pick which offers to take forward, and no lenders get your details to cold-call you. Final rate, amount, and approval are subject to each lender’s verification.
Other Lenders Worth Considering
If you’re exploring options beyond SGP Credit, these reviews may help:
- Quick Credit — 5.0 stars at IMM Building Jurong East, 24+ years in operation, open 7 days a week
- Cash Direct — 5.0 stars in Jurong East, open Sundays, over $92M in loans claimed
- Jefflee Credit — 4.8 stars in Jurong East, specialised food delivery rider loans
Useful Guides
- Compare Personal Loans in Singapore — Side-by-side comparison from banks and licensed lenders
- Licensed Moneylenders in Jurong East — Full directory of Jurong East lenders
- Licensed Moneylenders Directory — Full directory of licensed lenders
Tips Before Visiting SGP Credit
- Use the online loan calculator — SGP Credit’s website calculator gives you a repayment estimate before your visit, helping set realistic expectations
- Prepare business documentation — If applying for a business loan, bring your ACRA profile, recent bank statements, and any financial projections to speed up the assessment
- Apply online first for a faster callback — SGP Credit promises a response within 1 business day for online applications, which lets you assess eligibility before making the trip
- Visit during weekday mornings — The 11:30am-7:30pm weekday window is generous, and mornings tend to be less busy than the after-work rush
- Ask about personalised payment terms — SGP Credit specifically advertises tailored repayment structures, so discuss your preferred schedule rather than accepting a default plan