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Is It Good To Apply For Credit Cards – Accredit Pte Limited, winner of the Ministry of Justice pilot program, is a new generation of accredited lenders with a sustainable model focused on consumer protection. With offices all over the island in Singapore, we provide you with money lending services.
Accredited Money Lender Singapore develops innovative digital solutions to make the loan application process as painless as possible, offering you unparalleled access. You can apply for a personal loan right now – go ahead! With island-wide branches across Singapore, applying for a loan has never been easier.
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Our Guarantee We are a licensed lender in Singapore and have been offering responsible lending and borrowing options since 2002.
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Our proprietary credit systems make approval fast and efficient. Get loans in Singapore now without waiting for approval!
Secured by industry standard HTTPS (TLS1.2) and penetration tested, your data is safe with Accredited Money Lender.
Contact us at any time of the day to service existing credit accounts or submit a new application.
Submit a loan application online, wherever you are! Get a quote to evaluate available loan repayment terms
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Our credit systems make approval a fast and instant process. If your application is accepted, our staff will contact you to schedule an appointment.
Come to our branch with the necessary documents and receive money immediately! Don’t wait any longer and get paid the same day.
A personal loan is a short-term loan for personal needs. This opportunity is available to any eligible Singapore citizen with a fixed income. You can also apply for a personal loan if you are a foreigner and have a valid work and residence permit in Singapore. Accredit Moneylender offers easy personal loans in Singapore with fast approval and reasonable interest rates. We guarantee that you will be able to choose the appropriate repayment plan so that the repayment of the loan is stress-free and hassle-free.
Financing your own business can be a daunting task. Especially if you’re starting something new and don’t have an economic profit to fall back on. While you may not get paid immediately at the new company, you still need to pay your employees and keep the system running. Accredit Money Lender supports such entrepreneurs and provides a comfortable cushion of business loan solutions for our budding entrepreneurs, especially during tough times. We provide short-term, medium-term and long-term loans according to your needs.
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Debt consolidation is a process where we help you consolidate a new loan to pay off multiple small unsecured loans and obligations. This product is useful if you cannot pay off personal loans, credit card debt or other small debts. In this process, we consolidate all your small debts and loans into a single loan that allows you to pay them off easily. Our experienced credit counselors at Accredit and Legal Money Lenders Singapore will guide and advise you at every stage of debt consolidation to ensure it goes smoothly.
Financing your own business can be a daunting task. Especially if you’re starting something new and don’t have an economic profit to fall back on. While you may not get paid immediately at the new company, you still need to pay your employees and keep the system running. Approved and licensed lenders support such entrepreneurs and provide a convenient choice of business loan solutions for our budding entrepreneurs. We provide short-term, medium-term and long-term loans according to your needs.
There are many reasons why people in Singapore default on their loans. The most common reason is that people do not have enough money to repay their loans on time, the amount accumulates and becomes a significant debt. But we’re going to share with you some great tricks to help you get out of debt this year. Here’s where to start.
Before thinking about how to pay off your debts, you should first make a list of all your debts. You want to know how much you want to pay each creditor. If you can clearly see how much you owe and how many people you owe, it will help you develop a better debt management strategy. If you don’t have a written list, you may miss out on the loan.
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Start by creating a budget detailing your income and expenses for each month. In this way, you will be able to use your scarce resources more efficiently. Creating a budget also gives you an idea of expenses that you can reduce or eliminate altogether.
If you have a budget, you should also determine your debt-to-income ratio. Ideally, your debt-to-income ratio should never exceed 35%. In other words: every month 35% of your income should go to debts and no more. Because anything over that will disqualify you from paying all your dues. So, if you are planning to take out a new loan or credit card, make sure that the payments, taking into account your previous obligations, do not exceed 35%. It is always best not to take out a new loan until you have paid off your previous payments.
An important step to paying off debt is admitting you have a problem. And to get rid of the problem, you will have to sacrifice a little and make a lot of effort. So be prepared to cut your expenses. If you live a life of luxury with all the big expenses, it will be difficult for you to manage your debts. So, start comparing the products and services available in the market and choose the cheaper one without compromising on quality or features. Also, save on non-essentials like outings and entertainment until you get your finances under control. By taking these small steps, you’ll have more money left over at the end of each month to pay off your loan amount.
Common sense suggests that if you have more than one loan in your name, you should pay off the loan with the highest interest rate. You should know that sooner or later you will have to pay off your debts if you want to have a good credit score. High interest loans will only add to your pain as you will be paying more each month. If you can’t pay off all the debt at once, save the loans with lower interest for later. This creates less money for you to pay later.
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In most cases, paying off a credit card will have the highest interest rate. Think about cleaning it first. Also, try to control your card purchases so you don’t accumulate too much debt.
It’s easy to have extra cash on hand when you receive bonuses, incentives or insurance money. Instead of spending that amount on a luxurious life or buying something big, you can use it to pay off your debts. You can ask the bank or creditor about the terms of early payment. And just to be clear, when you get your bonus, you must pay off the loan with the highest interest rate first.
In another scenario, if your salary has increased, you may want to consider paying more each month. You can ask your lender if it’s possible to increase your monthly payments so you can pay off faster and avoid unnecessary interest.
As you can see, there are many ways to get rid of debt. You must understand that paying off debt is simple but not easy, so you cannot procrastinate. So, think wisely, prioritize your loans, have a small money plan, and you can manage your debts without worrying too much. It’s easier than you think! An accredited licensed lender in Singapore can help you. Find us at one of our offices in Singapore. Rest assured, there are convenient locations for you!
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Since October 1, 2015, the maximum interest rate of creditors is 4% per month. This limit applies regardless of the borrower’s income and regardless of whether the loan is secured or not. If the borrower does not repay the loan on time, the lender may charge interest at the rate of 4% per month for each month of delay.
– Expenses for obtaining a loan, which do not exceed 10% of the principal amount of the loan; AND
– Legal costs assigned by the court for a successful debt collection action by the lender.
What should I pay attention to if I guarantee a loan?
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Do not borrow from unlicensed Singapore moneylenders. Check the list of approved lenders to confirm that the lender is licensed in Singapore. Click here for a list of approved lenders. Even if lenders are licensed, you should be careful if they:
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