Flexible, Legal & Transparent Loans in Singapore
Loans We Provide — Sands Credit
At Sands Credit, we offer a wide range of Ministry of Law–approved loan solutions tailored to your financial needs. Whether you’re a salaried worker, business owner, or foreigner working in Singapore — our licensed moneylending services are fast, fair, and built around you.
Types of Loans — We Offer
All our loan products are compliant with MinLaw guidelines, with interest rates capped at 4% monthly and no hidden fees.
Ideal for day-to-day expenses, emergencies, or special life events.
Whether you’re dealing with a family emergency, school fees, or medical bills, our personal loan offers fast cash with flexible repayment plans.
Suitable for:
Salaried employees, Self-employed individuals, Permanent residents
Short-term relief to tide you over till your next salary.
Need a little help getting through the month? Our payday loans provide quick access to funds, typically repaid within a month.
Best for:
Employees with stable income, Unexpected mid-month
Capital support for small businesses and sole proprietors.
Running a business is tough. Our SME loan helps you cover operational costs, payroll, equipment, and more.
You’ll benefit from:
Fast approvals, Minimal paperwork, Flexible repayment plans
Unexpected healthcare shouldn’t be a burden.
Let us help with the medical costs of treatments, hospitalisation, or outpatient services. Our medical loan provides peace of mind when it matters most.
Finance your big day — without financial pressure.
We offer wedding loans that allow couples to plan dream weddings confidently, covering venue bookings, gowns, travel, and more.
Make memories now, pay later.
Whether it’s a well-deserved holiday or a last-minute trip, our travel loan lets you go further without upfront financial strain.
Renovation & Furniture Loan
Turn your house into a dream home. This loan makes it easy.
Our renovation loan helps you finance home improvement projects, including interior works, furniture upgrades, and essential repairs.
Simplify your finances with a single, lower- interest repayment plan.
Tired of managing multiple bills and credit cards? Our debt consolidation loan helps reduce financial stress and streamline payments.
Loans tailored for private-hire and gig drivers.
We understand the unique needs of drivers. This loan helps you manage car rental costs, maintenance, insurance, or fuel.
We welcome all legal foreign workers in Singapore.
If you’re holding a valid S Pass or Work Permit and need financial help, our foreigner loan is fast and fully regulated under Singapore law.
Temporary funding to cover short gaps — e.g., while waiting for a payout, CPF withdrawal, or sale proceeds.
Get the cash you need quickly, with flexible repayment options to help you stay financially stable during the wait.
Your goals, your way.
Whether it’s for a hobby, gift, or personal milestone — our lifestyle loan gives you the freedom to enjoy life on your terms.