Frequently Asked Questions

Q : How can I apply for a loan?

A :You can submit a request with your details and loan amount via the contact form and we will give you a call as soon as we receive it. Alternatively, you can also phone us at 62241300.

Q : Am I eligible for another loan after I have repaid my existing loan in full?

A :Yes, of course. You can contact us via email or phone to apply for another loan.

Q : Is there any minimum income requirement for loan applications?

A :No, there isn’t. However, the loan applicant must at least be holding a position as a full-time employee in a company.

Q : How long is the repayment period if I decide to apply for a loan?

A :That depends on the loan amount. Typically 1 to 12 months, depending on the type of loan requested.

Q : What is the maximum loan amount that I can apply for?

A :Up to 2-4 times your monthly income

Q : Are you a legally licensed money lender?

A :Yes, we are a licensed money lender. Our Licensed number is 51/2015

Q : Are you a legally licensed money lender?

A :Yes, we are a licensed money lender. Our Licensed number is 51/2015

Q : What are your loan requirements?
A : For Singaporean / Permanent Resident
  • Employed (Full-time)
  • 21 years old and above
For Foreigner
  • Employed full-time and working in Singapore
  • 21 years old and above
  • Valid E-Pass or S-Pass holder
Q : If I submit my application and financial information, will my information remain secure?

A :Certainly, we maintain a high level of respect and privacy in regards to our customer’s financial data and status. We will never disclose your sensitive information to third parties.

Q : What is the application fee for submitting a loan application?

A :There is no application fee when applying for a loan with Golden Credit.

Q : I have bad credit, can I apply for a loan?

A :Bad credit will not hinder your chance of getting a loan from us. We will customize a suitable loan package according to your eligibility and needs.

Q : I am a discharged bankrupt. Do I qualify to take up a loan?

A :Certainly, provided you are indeed discharged from bankruptcy.

Q : If I submit a loan application, am I immediately tied to any obligation of proceeding with a loan offer?

A :No, putting forward a loan application is basically an expression of interest to have our loan consultants contact you to propose possible loan options. You may put forward further questions to our consultants, and may also choose not to go ahead with the application. At Golden Credit, we practice transparency, only if you are comfortable to proceed, we will confirm the application and terms of agreement.

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