Estimate your repayments easily
We’ve helped thousands of customers across Singapore get the financing they need — and we’re here to help you too. Below are answers to some of the most commonly asked questions.
Simply fill in our Apply Now form or call/WhatsApp us directly. We’ll get in touch, assess your needs, and schedule an in-person appointment. If approved, you’ll receive your loan on the spot at our office — often within 30 minutes.
At minimum, we’ll need your full name, NRIC/work pass, monthly income, and contact details. You’ll also need to bring supporting documents during your in-person visit. See full list in our Apply Now section.
No. All our loans are unsecured, meaning you don’t need to pledge your home, car, or assets. Approval is based on your income, repayment ability, and creditworthiness.
Most borrowers receive funds within the same day, as long as all documents are in order and the loan is approved. We offer fast cash loans in Bishan — without the waiting time of banks.
We offer a wide range, including:
• Personal Loans
• Payday Loans
• Debt Consolidation
• Renovation Loans
• Wedding & Travel Loans
• Foreigner Loans
• Private Hire Driver Loans (Grab/GoJek/Taxi)
• Medical & Education Loans
And more — Explore all loans here And more — Explore all loans here
Yes. Many borrowers use our debt consolidation loans to manage multiple repayments more efficiently and avoid high interest from banks or credit cards.
Loan amounts depend on your monthly income but generally range from $500 to $20,000 or more. Speak to our advisors for a tailored recommendation.
Yes. We are fully licensed and regulated by the Ministry of Law, Singapore. You can verify our license on the official MinLaw registry.
Banks may take weeks to process and often reject applicants with lower credit scores or shorter employment history. As a licensed moneylender in Bishan, Sands Credit offers:
• Same-day approval
• No collateral required
• Simplified documents
• More flexible repayment options
• A friendly, human touch — not a rigid institution
Avoid illegal moneylenders at all costs. They often use intimidation, harassment, and predatory interest rates. Always verify a lender’s license on the MinLaw website before borrowing. Sands Credit is safe, legal, and ethical.
We’ll set a fixed repayment schedule with a clear due date each month. You'll know exactly what to pay — no compound interest, no guesswork.
Yes, absolutely! We welcome early repayment or lump-sum settlements to help you save on total interest. Speak to our team to calculate the adjusted amount.
Always contact us early — we may be able to offer a restructured payment plan. Ignoring your repayments will lead to late fees and potential legal action, so it’s best to stay in communication.
A loan in good standing may actually help build your credit. However, missed or late payments may affect your credit rating. Responsible borrowing helps you in the long run.
100% yes. Your information is stored securely and used only for processing your application. We do not share your details with third parties.
Definitely! Visit us at Block 513 Bishan Street 13 #01-514 Singapore 570513 Block 513 Bishan Street 13 #01-514 Singapore 570513 — just minutes from Bishan MRT. You’re welcome during business hours, or you can book an appointment book an appointment .
Tel: 6225 0268 6225 0268
Email: hello@sandscredit.com.sg hello@sandscredit.com.sg
Address: Block 513 Bishan Street 13 #01-514 Singapore 570513 Block 513 Bishan Street 13 #01-514 Singapore 570513
Or click here to contact us online Or click here to contact us online
Can’t find what you’re looking for? — we’re happy to help with anything, no obligations.