1-Fund
Your Reliable Licensed Moneylender in Singapore
Searching for quick moneylenders or a trusted moneylender in Singapore? 1-Fund is your answer. Whether you need urgent funds for personal use, business needs, or debt consolidation, 1-Fund is a licensed moneylender in Singapore committed to helping you with quick and flexible financial solutions. As a reliable moneylender trusted by residents since 2010, we take pride in delivering professional service, fast approvals, and absolute transparency — with a human touch.
Get your moneylender loan approved in as little as 15 minutes and get your cash on the spot via PayNow, cash, or bank transfer. Our fast moneylender loans are hassle-free, transparent, and customised to your unique circumstances, with approval rates of up to 99%.
Need a financial boost?
Our licensed moneylender team is here to help — no judgment, no hidden terms.
Why Choose 1-Fund
Licensed Moneylender Services With Heart
15-minute approvals
As a trusted fast moneylender, we process applications and disburse funds in under 15 minutes — perfect for unexpected bills, medical emergencies, or last-minute needs.
Personalised loan packages
At 1-Fund, we do not believe in cookie-cutter loans. Every moneylender loan is tailored to your financial profile, whether you’re a salaried employee, freelancer, gig worker, or foreigner in Singapore.
Flexible repayment options
Loan repayments should complement your lifestyle, not complicate it. Whether you need a longer loan tenure or smaller monthly instalments, our reliable moneylender team will work it out with you.
Transparent terms and fees
All loan terms are disclosed upfront before you take any moneylender loan with us — no fine print, no hidden surprises. As a legalised moneylender in Singapore trusted by borrowers, we ensure maximum transparency in everything we do.
Returning customer perks
Return to 1-Fund as your go-to licensed moneylender in Singapore and unlock exclusive benefits like quicker approvals, higher loan limits, and greater repayment flexibility that work around your lifestyle.
Fully digitalised applications
Prefer to do things online? We’ve got your back. As a licensed online moneylender in Singapore, our digital loan application process is streamlined and secure with Singpass MyInfo integration. Apply anytime, anywhere for a moneylender loan in minutes!
Our Mission
We started 1-Fund with a simple goal: to make borrowing from licensed moneylenders easier, friendlier, and more supportive — because we know how tough it can be when you’re short on cash but big on responsibilities.
This is where 1-Fund, your trusted moneylender in Singapore, comes in.
With integrity, transparency, and compassion at the heart of everything we do, 1-Fund is more than just your typical authorised moneylender in Singapore — we’re your trusty financial partner through life’s ups and downs. Whatever your situation, we’re ready to listen and walk the journey with you.
Moneylender Loan Products From 1-Fund
Fast, Flexible, Legal
Moneylender Loan Products From
1-Fund
Fast, Flexible, Legal
Monthly Loans
Ideal for larger expenses like medical bills or tuition fees, these local moneylender loans allow you to pay fixed monthly instalments spread across a specific period, usually 6-12 months.
Payday Loans
Need a small cash boost before payday? Our quick moneylender service can help you bridge the gap — safe, almost instantaneous, and fuss-free.
Renovation Loans
Thinking of sprucing up your home or office space? Make your renovation plans a reality by taking a private moneylender loan with us.
Debt Consolidation Loans
Streamline your monthly repayments and reduce stress with our moneylender loan designed to combine multiple debts into one.
Business Loans
Need working capital or start-up funds for your next big project? Secure a moneylender loan from us and take your business to the next level.
Real Reviews from Real Borrowers
We’re not just licensed — we’re loved. Hear from our customers why 1-Fund is one of the top legalised moneylenders in Singapore and the go-to name for those seeking trustworthy local moneylenders.
Frequently Asked Questions
About Licensed Moneylenders in Singapore
1-Fund’s Services
How does 1-Fund customise moneylender loan packages to fit my personal needs?
At 1-Fund, we take time to understand your financial situation, income, goals, and borrowing needs before offering you a loan. Our legal moneylender team will assess your situation holistically — factoring in your ability to service the loan, credit standing, and preferred repayment schedule — then tailor a loan package that works for you. Speak to our loan officers today to find out more!
Is 1-Fund an online moneylender in Singapore?
Yes! While we operate from a registered physical address, we’re also a licensed moneylender online. With Singpass MyInfo integration and digital verification, applying for a loan with a licensed moneylender online like 1-Fund is quick, secure, and convenient.
What’s more, you can expect to hear back from our loan officers within 5-10 minutes of submitting your loan application online, making us one of the top licensed moneylenders online. That said, keep in mind that an in-person meeting at our physical premises is still required for loan contract signing (per MinLaw’s regulations) before loan disbursement.
What makes 1-Fund different from other licensed moneylenders in Singapore?
We’re not just your typical legalised moneylender in Singapore — we genuinely care about making borrowing simple, stress-free, and personal. From flexible loan packages and competitive rates to quick approvals and compassionate support, we treat every customer like a valued partner, not just another transaction.
As an online moneylender in Singapore, we also offer hassle-free online application processes. This is why many of our clients consider us among the most reliable moneylenders in Singapore and choose us again and again.
Do licensed moneylenders like 1-Fund offer special perks for returning customers
Absolutely. As a reliable moneylender in Singapore that customers return to, we offer quicker approvals, potential access to higher borrowing limits, and more flexible repayment options as exclusive perks for repeat customers — especially if you’ve built a good repayment record with us.
Where is your moneylender office located, and what are your opening hours?
1-Fund is a local moneylender located in Upper Bukit Timah and is open for business from 11am to 7.30pm, Monday to Saturday. Our office is conveniently nestled in Beauty World Centre.
Trust & Security
How can I be sure that you are a trustworthy and licensed moneylender in Singapore?
The Ministry of Law authorises and regulates all licensed moneylenders in Singapore, and 1-Fund is one such lender that has been recognised and licensed. You may verify on MinLaw’s official list of registered lenders. As a legitimate moneylender, we uphold complete transparency and fairness in our loan terms, allowing you to borrow with confidence and peace of mind.
If you ever encounter unfair practices, borrowers can also refer to MinLaw’s guidelines on filing a complaint against a moneylender for added protection.
I'm concerned about privacy. How does a legal moneylender like 1-Fund protect my personal information?
We understand that privacy is paramount when it comes to taking loans from a moneylender — rest assured that we treat every client’s information with care and confidentiality. Our office setup is designed for discreet consultations, and our legal moneylender team is trained to uphold your privacy at every step of the loan process.
What makes your private moneylender team qualified to help me with my financial needs?
With over a decade of experience in the lending industry, we’ve established ourselves as one of the most reliable moneylenders in Singapore. Whether you’re a first-time borrower or returning customer, we offer thoughtful, professional advice and tailor solutions to fit your unique circumstances.
Loan Eligibility
Who is eligible to apply for a loan from a licensed moneylender in Singapore?
If you’re 18 or older and have a consistent source of income, you’re eligible to apply for a loan from a moneylender. Note that some licensed moneylenders need borrowers to be at least 21-years-old.
Do all legal moneylenders in Singapore offer loans to foreigners?
While we can’t speak for the rest, 1-Fund is a registered moneylender in Singapore that offers loans to foreigners who can demonstrate repayment ability.
Is a minimum income required when borrowing from a licensed moneylender like 1-Fund?
There is no minimum income requirement when borrowing from a licensed moneylender like 1-Fund — we work with clients of all income levels as long as they can produce proof of stable income and demonstrate their ability to meet repayment obligations.
Are there situations where a registered moneylender in Singapore cannot provide a loan?
Yes, there are circumstances where your loan may not be approved by a registered moneylender like 1-Fund, such as if you’re unemployed without income or a discharged bankrupt.
It’s also important to understand that it is not possible to get a loan with no credit score check in Singapore, as all licensed moneylenders are required to assess a borrower’s financial background before approving any loan.
Application & Approval Process
What is the loan application process with a legalised moneylender in Singapore like?
Applying for loans from a moneylender is straightforward — you can either head to our physical office or send in your application online speedily using Singpass MyInfo or our simple online form. You can expect to hear back from us within 10 minutes of sending in your application online, making us one of the top instant moneylenders in Singapore.
What documents should I prepare for my loan application with an authorised moneylender in Singapore?
To borrow from a legitimate moneylender in Singapore, you’ll need a valid ID and income proof, such as your payslips and CPF contribution history. Additional documents may be requested based on your profile.
How can I improve my chances of getting my loan approved by a private moneylender in Singapore?
While private moneylenders in Singapore generally have higher loan approval rates than traditional banks, there are pointers you can take note of to boost your chances of approval:
Ensure that your credit report is accurate and updated — a good credit history can enhance your chances of being approved for a loan
Demonstrate proof of a stable income and repayment ability by providing payslips or employment contracts
Ensure that you submit complete and accurate documentation, including your identification and salary documents, to minimise delays in the verification process
Apply for a realistic loan amount that’s manageable based on your financial situation
Maintain honest and open communication with your loan officer, such as being upfront about your loan purpose and providing additional documents or clarification as requested
How quickly can I receive the funds after my loan application with a fast moneylender in Singapore?
At 1-Fund, we pride ourselves on being one of the best instant moneylenders in Singapore. You can expect to receive your loan in as little as 15 minutes upon approval and in-person verification, making us the go-to name for people seeking instant moneylenders.
What are my loan payout options from a trusted moneylender in Singapore?
Upon the approval of your moneylender loan, you can choose to receive your funds via PayNow, bank transfer, or in cash — whichever is most convenient for you.
How long does it take to get a response to my query from a licensed moneylender online?
As an online moneylender in Singapore known for being a quick moneylender, we strive to respond to online queries within 5 to 10 minutes. Whether you’re looking for quick moneylenders, fast moneylenders, or instant moneylenders, we’re here to find you a solution in as little time as possible.
What is your loan approval rate compared to other reliable moneylenders in Singapore?
Our loan approval rate stands at 99% — one of the highest among trusted moneylenders in Singapore.
Loan Details
What types of loans do you offer as a private moneylender in Singapore?
We offer several moneylender loan types catered to meet specific needs, including payday loans, renovation loans, debt consolidation loans, and monthly loans.
Monthly Loans
Payday Loans
Renovation Loans
Debt Consolidation Loans
Business Loans
Do loans from authorised moneylenders in Singapore require any form of collateral?
No. Our private moneylender loans are unsecured, which means that there’s no need to pledge your valuables as collateral when you borrow from us.
What is the average loan tenure period offered by licensed moneylenders in Singapore?
Licensed moneylenders in Singapore, like 1-Fund, typically offer repayment periods of 3 to 12 months. If you’d like to better understand how these repayment periods work, the best loan tenure for yourself, what short-term borrowing involves, and whether it suits your financial situation, you can also read our short-term loan guide.
Is there a minimum loan sum when borrowing from licensed moneylenders in Singapore?
Nope, there is no minimum loan sum when borrowing from licensed moneylenders in Singapore — feel free to only borrow what you need.
Rates, Fees & Repayment
What interest rate can a licensed moneylender in Singapore charge?
Under MinLaw’s regulations, licensed moneylenders in Singapore are permitted to charge no more than 4% per month in interest. If you’d like a clearer breakdown of the interest rates that a moneylender can charge, it’s important to understand how these caps are structured. At 1-Fund, we offer rates as low as 0%, up to 3.92% per month.
What loan processing fees can I expect from a legal moneylender in Singapore?
We charge processing fees not exceeding 10% of the principal loan amount in compliance with MinLaw’s regulations for legal moneylenders in Singapore.
Can I pay off my loans from a moneylender earlier than the agreed tenure without penalty?
Yes, absolutely! We do not impose early repayment penalties for our licensed moneylender loans.
Can my repayment plan with a licensed moneylender be adjusted?
We understand that life happens — if you need more flexibility or are in difficult spot, don’t hesitate to contact our friendly licensed moneylender team about restructuring your repayment plan.
What are the late repayment fees that legitimate moneylenders in Singapore can impose?
At 1-Fund, late payment incurs a $60 flat fee and late interest charges of up to 3.92% on the overdue amount for every month of late repayment.
What should I do if I’m unable to make repayment to a private moneylender in Singapore?
If you’re struggling to keep up with your repayments, let us know early. Our licensed moneylender team is understanding and may offer deferment or restructuring of your repayment plan, as long as you provide valid reasons.
What repayment methods are accepted by legal moneylenders in Singapore?
We currently accept repayments through cash, PayNow, or bank transfers. To make things even more convenient, we’ll soon be adding AXS and GIRO as additional payment options.