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Raffles Credit Pte Ltd is a licensed moneylender (License No. 55/2021) listed in the Registry of Moneylenders, under the Ministry of Law in Singapore.

Raffles Credit Blog

A collection of articles, stories, tips & tools designed
to keep your small business moving

Studio Condo (Singapore): Is Shoebox Apartment Living Worth It?

Studio Condo (Singapore): Is Shoebox Apartment Living Worth It?

Depending on the location, amenities, and other factors, rental rates for studio apartments may vary. On average, rates start at...
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2021 Review for Best Business Loan Interest Rate in Singapore

2021 Review for Best Business Loan Interest Rate in Singapore

Are you one of those businesses struggling to make ends meet due to the pandemic? You're not alone. Many small...
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Business Loan vs Personal Loan: Which is Better for Your Business?

Business Loan vs Personal Loan: Which is Better for Your Business?

When you're running a business, you'll likely encounter circumstances that require you to have some cash on hand. That may...
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UOB Gold Price: Daily Rates and How to Start Investing

UOB Gold Price: Daily Rates and How to Start Investing

Amidst the COVID-19 outbreak, we have all grown accustomed to expecting the unexpected, from the latest updates about the pandemic...
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What is the Benefit of Obtaining a Personal Loan Singapore?

What is the Benefit of Obtaining a Personal Loan Singapore?

The majority of Singaporeans think that taking a loan isn't a healthy thing, as far as their finances are concerned....
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What You Should Do In 2021 To Improve Your Finances

What You Should Do In 2021 To Improve Your Finances

If “saving more money” was on your 2020 to-do list, then you may well possibly still keep having it there...
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Illegal Money Lending: How They Trick You Into Believing Them

Illegal Money Lending: How They Trick You Into Believing Them

Due to the need to take loans to support the salaries that most Singaporeans earn, there has been an increase...
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Unlicensed Money Lender: Complete Guide To Distinguish Them

Unlicensed Money Lender: Complete Guide To Distinguish Them

The best thing about living in Singapore is having access to the best private and public services and facilities. However,...
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6 Things to Consider Before Getting Your First Personal Loans

6 Things to Consider Before Getting Your First Personal Loans

Taking a loan in Singapore is a normal occurrence, depending on your reason for taking that loan. There are any...
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Pros And Cons Of Payday Loan

Pros And Cons Of Payday Loan

Payday loans are unsecured, short-term loan type that attracts high-interest rates. This type of loan can be used to cover...
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What You Should Know About A Licensed Moneylender

What You Should Know About A Licensed Moneylender

A moneylender may be described as a person or group that is able to offer small types of personal loans...
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Pro And Cons Of Instant Cash Loan Singapore

Pro And Cons Of Instant Cash Loan Singapore

The financial industry is in itself very tough. Even with the money lending business that is present within it. Singapore’s...
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How To Obtain Fast Cash Loan in Singapore

How To Obtain Fast Cash Loan in Singapore

Ways To Get Quick Cash There are different ways to have quick cash, some of them are getting loans through...
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Best Payday Loan Singapore Right For You?

Best Payday Loan Singapore Right For You?

Living in Singapore, having cash emergencies is not unusual. You forgot about budgeting for this month’s rent. Maybe you need...
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Resale Vs BTO HDB Flat: 9 Factors to Consider Before Buying

Resale Vs BTO HDB Flat: 9 Factors to Consider Before Buying

First-time homeowners in Singapore usually resort to going for an HDB flat. It's almost a no-brainer. You can get quality...
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5 Things to Do Near Boon Keng, Singapore

5 Things to Do Near Boon Keng, Singapore

Situated in the planning area of Kallang, it’s the smallest subzone in the area. But if you’ve found yourself around...
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What Is Cryptocurrency: All You Need To Know

What Is Cryptocurrency: All You Need To Know

Introduction:   In the most basic definition, cryptocurrency is a digital currency protected through cryptography. With this technology, cryptocurrency is...
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5 Family-Friendly Places To Visit in River Valley For A Gastronomic Weekend Getaway

5 Family-Friendly Places To Visit in River Valley For A Gastronomic Weekend Getaway

There’s no doubt, traveling and exploring with the whole family can make the bond stronger. But did you know that...
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Best Food in Eunos under $10 and Where To Find Them

Best Food in Eunos under $10 and Where To Find Them

Also known as Geylang East, Eunos is a small residential neighborhood conveniently close to various transport hubs, schools, and several...
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5 Amazing Food Hubs to try in Commonwealth Singapore

5 Amazing Food Hubs to try in Commonwealth Singapore

Eating with friends and family is a great experience, but as we grow older, we deserve to have a moment...
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Where to Head to Wed: 8 Affordable Wedding Venues in Singapore Under S$4,000

Where to Head to Wed: 8 Affordable Wedding Venues in Singapore Under S$4,000

Marriage is a big decision. Under it are more big decisions, especially concerning your wedding day. One thing that is...
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5 Best Things To Do Near Yio Chu Kang

5 Best Things To Do Near Yio Chu Kang

Located in Northeast Singapore, Yio Chu Kang is a sub-urban district with relative proximity to many areas in Singapore. If...
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5 Fun Things You Can Do in Tiong Bahru

5 Fun Things You Can Do in Tiong Bahru

Tiong Bahru is Singapore's oldest residential area constructed way back in the 1920's. As a result, there has always been...
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5 Things to Do in Telok Blangah on Weekends

5 Things to Do in Telok Blangah on Weekends

Taking a weekend trip to tantalising Telok Blangah? Here are our top suggestions if you're looking for a nice, relaxing...
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5 Fun Things to Do in Changi, Singapore

5 Fun Things to Do in Changi, Singapore

Taking a trip to Changi but not sure what to do or what to start? In this article, we give you some suggestions for a grand time in Changi, Singapore!
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5 Things to Do in Bedok, Singapore

5 Things to Do in Bedok, Singapore

Curious what Bedok has to offer before your visit? We have just the thing. In this article we list out a few places and activities for you to check and visit!
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5 Exciting Family Things to Do in Yishun

5 Exciting Family Things to Do in Yishun

Unlike the largely metropolitan whole that is Singapore, the town of Yishun can be described as tame in comparison. If...
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5 Fun Things to Do in Choa Chu Kang, Singapore

5 Fun Things to Do in Choa Chu Kang, Singapore

Passing by Choa Chu Kang and wondering what you can do around the area for a little bit of fun? In this article we list a few of our suggestions for a good time in Choa Chu Kang!
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5 Things You Shouldn’t Miss When Visiting Buona Vista

5 Things You Shouldn’t Miss When Visiting Buona Vista

As studies reveal a high chance for online fatigue due to daily work which relies heavily on the internet due...
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The 5 Best Things to See and Do in Bukit Timah, Singapore

The 5 Best Things to See and Do in Bukit Timah, Singapore

Wondering what activities you can do and places you can visit in Bukit Timah, Singapore? You're in luck! We've listed them down for you in this article.
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5 Fun Things You Can Do in Chinatown Singapore

5 Fun Things You Can Do in Chinatown Singapore

Singapore's Chinatown is no doubt a place with much to offer, but all the options may leave you overwhelmed. Don't fret, we've cut them down to five for you!
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5 Fun Things to Do in Jalan Besar that can boost your mood instantly

5 Fun Things to Do in Jalan Besar that can boost your mood instantly

Burn Calories at Jalan Besar Stadium If you feel lazy, that’s exactly the perfect time to get moving. And working...
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Experience Geylang’s Rich Taste and Tradition in these 5 Fun Activities

Experience Geylang’s Rich Taste and Tradition in these 5 Fun Activities

Geylang is a busy city. Being a working-class community, it’s no surprise the place is crowded, vibrant, and lively 24/7....
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Top 5 Fun and Filling Things to Do in Little India Singapore

Top 5 Fun and Filling Things to Do in Little India Singapore

Are you up for a cultural adventure? Then you’re eyeing the right spot! Known for its colorful and lively vibe,...
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Singapore Motorcycle 101: How Much Will It Cost You and Where to Get the Best Deal?

Singapore Motorcycle 101: How Much Will It Cost You and Where to Get the Best Deal?

More people are riding their own motorcycle in Singapore. It's the perfect compromise between skipping public transport and owning a...
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How Much Do You Need to Save for a Wedding in Singapore This 2021?

How Much Do You Need to Save for a Wedding in Singapore This 2021?

There's a magic about weddings that a lot of us have been enamored by, even way back when we were...
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Top 5 Arts & Culture Spots to Visit in Rochor

Top 5 Arts & Culture Spots to Visit in Rochor

Being stuck at home for months due to lockdown protocols can be tiring and, in some instances, make us feel...
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5 Best Things to Do and Places to Explore Near Sengkang

5 Best Things to Do and Places to Explore Near Sengkang

Facing your phone and laptop’s screen every day can drain you and can affect your mental health negatively.  Luckily, there...
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5 Fun & Kid-Friendly Activities To Do in Punggol Singapore

5 Fun & Kid-Friendly Activities To Do in Punggol Singapore

Everyone had a hard time coping with the lifestyle changes brought about by the pandemic. The adjustments were hard enough...
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Start-Up Singapore: 13 Start-Ups to Watch (2021)

Start-Up Singapore: 13 Start-Ups to Watch (2021)

Anyone with a powerful idea for a business with a unique selling proposition can quickly find the funding and support...
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Personal Loan vs Renovation Loan: Which Is Best for Your Home Improvement?

Personal Loan vs Renovation Loan: Which Is Best for Your Home Improvement?

Performing a home renovation project is by no means a small or inexpensive task. However, with proper planning and forethought, homeowners...
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Best Home Insurance Singapore This 2021

Best Home Insurance Singapore This 2021

Every home is special, and truthfully, they're irreplaceable. Whether you're a property owner or tenant, your residence gives you comfort...
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10 Reasons to Borrow from Licensed Private Money Lenders in Singapore

10 Reasons to Borrow from Licensed Private Money Lenders in Singapore

Deciding which money lenders in Singapore are best suited to your borrowing needs can be difficult. This is especially true...
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10 Red Flags to Detect Illegal Money Lenders in Singapore

10 Red Flags to Detect Illegal Money Lenders in Singapore

If there's a group of people widely feared in Singapore, they are the ah longs. Unlicensed money lenders or loan...
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No High Credit Score Required: Best Loan Rate in 2021

No High Credit Score Required: Best Loan Rate in 2021

Most individuals turn to banks or moneylenders for financial assistance. For some, they need it for debt consolidation, or renovation...
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Best Moneylender in Singapore 2021

Best Moneylender in Singapore 2021

There may be a hundred reasons that could make one person apply for a loan. It can be for the...
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Best Personal Loan Interest Rates 2021

Best Personal Loan Interest Rates 2021

If you need a money loan Singapore, you won't need to look too far. Online, you'll find a great number...
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Best Endowment Savings Plans In Singapore 2021

Best Endowment Savings Plans In Singapore 2021

In life, you will never know what will happen or what your financial circumstances will look like. To prepare for...
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14 Doable Ways to Earn Passive Income in Singapore (2021)

14 Doable Ways to Earn Passive Income in Singapore (2021)

Passive income Singapore is an income acquired from a small partnership, rental property or other earnings when the person earning...
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The Role of the Registry of Moneylenders

The Role of the Registry of Moneylenders

The Registry of Moneylenders (RoM) oversees the registration and regulation of moneylenders in Singapore. It determines who should be among...
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Which Is the Best Balance Transfer Rate in Singapore

Which Is the Best Balance Transfer Rate in Singapore

It’s a given that paying off debt is difficult. What’s worse is keeping track of a bunch of them, considering...
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Average Cost of HDB Renovation in Singapore

Average Cost of HDB Renovation in Singapore

While there are plenty of things one can consider doing while currently in quarantine, some people have been rather keen...
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Which Home Renovation Loan Is the Best in Singapore

Which Home Renovation Loan Is the Best in Singapore

As time passes, change is inevitable. Apparently, this has been much easier to be noticed given the impacts of the...
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Singapore Government Tips On Managing Debts

Singapore Government Tips On Managing Debts

It is always advised by banks, lenders, and literally anyone that people as borrowers should only avail of deals that...
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Where Can I Find 12 Months Loan Lenders Singapore?

Where Can I Find 12 Months Loan Lenders Singapore?

In this age, especially in these times of crisis, securing a loan is very important to people--especially for those in...
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Guide on Singapore’s Moneylenders Act

Guide on Singapore’s Moneylenders Act

The Moneylenders Act is a government regulation under the Ministry of Law in Singapore that aims to protect the interest...
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Can Foreigners Borrow Money in Singapore?

Can Foreigners Borrow Money in Singapore?

A lot of foreigners who visit and live in Singapore usually ask this question relatively often, especially when it comes...
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How to Apply for Legal Loans in Singapore

How to Apply for Legal Loans in Singapore

When in need of loan to finance personal, family or even business emergencies, remember to borrow solely from licensed moneylenders...
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Emergency Fund: How Much You Need & 3 Ways To Get Started

Emergency Fund: How Much You Need & 3 Ways To Get Started

Singapore is one of the world’s top savers. World Bank data shows that Singapore saves 54.5% of its Gross Domestic...
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HDB Loan Eligibility: Guide to Buying Your First HDB

HDB Loan Eligibility: Guide to Buying Your First HDB

If you are someone who is eagerly eyeing to purchase an HDB apartment unit, but is anxious about it because...
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Loan Guarantor Role and Responsibilities

Loan Guarantor Role and Responsibilities

Borrowing money could always be risky. Once we fail to meet our deadline or comply with the bills we have...
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10 Golden Rules on How to Save Money When Building a House

10 Golden Rules on How to Save Money When Building a House

Most people dream of owning their own home at some point in their lives. You, too, may desire to do...
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COE Renewal: Bank Loan or In-House Loan?

COE Renewal: Bank Loan or In-House Loan?

It's a significant puzzle that every Singaporean dreaming to own a car must answer: should I go for a COE...
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Your Guide to Getting the Best Short-Term Loans in Singapore

Your Guide to Getting the Best Short-Term Loans in Singapore

When you want to take out a loan for your business and you need it immediately, you can get a...
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Secured vs Unsecured Loan: What’s The Difference?

Secured vs Unsecured Loan: What’s The Difference?

Singapore has an excellent selection of personal bank loans you can use for any purpose. However, Singapore bank personal loans...
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Advantages of Using a Licensed Money Lender vs Bank in Singapore

Advantages of Using a Licensed Money Lender vs Bank in Singapore

Singapore is one of the world's most expensive countries. Any Singaporean knows that banks have stringent requirements for borrowers in...
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Maid Runaway Singapore: What To Do If They Borrow Money From Loan Shark

Maid Runaway Singapore: What To Do If They Borrow Money From Loan Shark

Moneylending is a legitimate business in Singapore with an illegal twist to it. Loan sharks parade around as moneylenders, offering...
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Let’s Go for Cashless Payment Singapore!

Let’s Go for Cashless Payment Singapore!

Why Cashless? Paying coins and paper money makes a transaction feel much more genuine. However, modern conveniences have made it...
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What Are the Student Loans Options in Singapore?

What Are the Student Loans Options in Singapore?

A good education is essential for anyone competing in Singapore and the world's tight ship of highly-qualified professionals. Furthermore, it...
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4 Tips on How to Build Your Credit Score in Singapore

4 Tips on How to Build Your Credit Score in Singapore

What is a credit score? When the coronavirus pandemic halted global businesses and normal activities, countries were in a race...
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Wedding Loan in Singapore: Here is All You Need To Know

Wedding Loan in Singapore: Here is All You Need To Know

Wedding ceremonies are beautiful and mark the start of a new journey with someone else. For most people, especially ladies,...
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Is Licensed Money Lender Advertisement Permitted in Singapore?

Is Licensed Money Lender Advertisement Permitted in Singapore?

Are you tired of coming across the same old money lending advertisements? Are they scamming your mobile phone all the...
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Loan Shark Harassment: How to deal with it and how to avoid it?

Loan Shark Harassment: How to deal with it and how to avoid it?

It is not surprising that we hear frightening stories from victims who had fallen into loan sharks' trap throughout the...
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Credit Card Cash Advance : Things You Should Be Careful

Credit Card Cash Advance : Things You Should Be Careful

What Is Cash Advance?  Cash advance is the process of obtaining cash through the use of a credit card. The...
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The Lowest Interest Personal Loan in Singapore

The Lowest Interest Personal Loan in Singapore

Personal loans Singapore banks and financial institutions offer are convenient for buyers who need a considerable amount of cash in...
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How to Check Credit Bureau Report Singapore for Loan Application

How to Check Credit Bureau Report Singapore for Loan Application

A credit report is generated by the Credit Bureau Singapore. This report gives a summary of credit acquisition as well...
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Death of A Sole Breadwinner: How to Manage the Financial

Death of A Sole Breadwinner: How to Manage the Financial

The loss of a family member is not easy for anyone. In most cases, many people often find themselves unprepared...
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13 Personal Loan Mistakes to Avoid Before Applying

13 Personal Loan Mistakes to Avoid Before Applying

There are a lot of different reasons why people apply for cash loans, without knowing they are making mistakes that...
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5 Ways to Get Rid of Your Credit Card Debt Singapore

5 Ways to Get Rid of Your Credit Card Debt Singapore

Credit cards have become an integral part of our modern life. It provides an easy and convenient way of purchasing...
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A Guide to Start up Business Loan Singapore

A Guide to Start up Business Loan Singapore

Singapore gives businesses of every size the perfect opportunity to make partnerships and establish their brands. However, starting up a...
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Getting A Motorcycle Loan Singapore

Getting A Motorcycle Loan Singapore

Are you planning to buy a motorcycle but don’t know where to start? You need to do proper research for...
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How Authorised Money Lender Singapore Help you Cope with Financial Crisis

How Authorised Money Lender Singapore Help you Cope with Financial Crisis

Moneylending has become an important industry in Singapore. It has helped millions of people across generations with their financial needs....
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How can SME Loan in Singapore support SMEs amid economic downturn

How can SME Loan in Singapore support SMEs amid economic downturn

Singapore's Circuit Breaker has saved many lives, but it has left economic scars that the small and medium enterprises(SMEs) felt...
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Should You Trust An Online Moneylender Review?

Should You Trust An Online Moneylender Review?

The reviews of moneylenders are useful for first-timer borrowers as well as those individuals who are in search of a...
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Pros And Cons Of Debt Consolidation Plan In Singapore

Pros And Cons Of Debt Consolidation Plan In Singapore

Multiple loans are pooled together into one large debt, and in a pile of unresolved debts?  You may wish to...
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Applying For An Urgent Loan In Singapore? Here’s What You Need To Know

Applying For An Urgent Loan In Singapore? Here’s What You Need To Know

Emergencies can happen to anyone and at any time. It may be important for you to consider where you can...
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A Guide On Dealing With Debt Collector

A Guide On Dealing With Debt Collector

When the bills accumulated become too large to be repaid on time, or if you've neglected your repayments badly, there...
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What Is Total Debt Servicing Ratio (TDSR) And Why You Should Care

What Is Total Debt Servicing Ratio (TDSR) And Why You Should Care

What does the TDSR do?Total Debt Servicing Ratio, also known as TDSR, is a system for the government of Singapore...
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Guide About a Study Loan Singapore For More Work Qualifications

Guide About a Study Loan Singapore For More Work Qualifications

You have graduated from college, obtained a degree, and now, you’re working on your dream job. However, it is undeniable...
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All You Need to Know About Credit Bureau Singapore

All You Need to Know About Credit Bureau Singapore

If you've read all the steps required when taking out a home loan, car loan or even a renovation loan,...
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All About Getting a Car Loan in Singapore

All About Getting a Car Loan in Singapore

Despite Singapore having excellent public transportation services, some people will always want to settle with a car of their own....
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Personal Loan for the Unemployed in Singapore

Personal Loan for the Unemployed in Singapore

In today’s world, it is either you work for a company or you yourself provide job opportunities for other people....
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Singapore’s Finest and Cheapest Online Grocery Shopping Singapore

Singapore’s Finest and Cheapest Online Grocery Shopping Singapore

Food is something that everyone needs in our daily lives and most of the time, people do their groceries to...
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Is it Possible to Make Investment In Singapore for Small Income?

Is it Possible to Make Investment In Singapore for Small Income?

Money is usually an instrument for investment. A way to increase the value of an asset in return is by...
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The 4 Different Types of Loan You Can Apply In Singapore

The 4 Different Types of Loan You Can Apply In Singapore

Today, financial woes have become a very common occurrence for most people. Unless you belong to the less than 1%...
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What are The Interest Rate a Moneylenders Can Charge?

What are The Interest Rate a Moneylenders Can Charge?

Licensed moneylenders are said to charge higher interests. This is as they get compared to banks. Of importance is to...
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What are the Proper Ways to Manage Your Finance?

What are the Proper Ways to Manage Your Finance?

Taking out a personal loan can be a scary for some individuals. Regardless of the interest being charged, both high...
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4 Ways To Be Debt Free From Spiralling Loans and Bankcrupt

4 Ways To Be Debt Free From Spiralling Loans and Bankcrupt

It is not uncommon to take loans in Singapore. It has become a way of life. Despite the fact that...
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Differences Between Payday Loans Vs Credit Card Cash Advance Singapore

Differences Between Payday Loans Vs Credit Card Cash Advance Singapore

In Singapore when you are researching and making a comparison between payday loans and credit card cash advances, you will...
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What is a Loan Guarantor and How Can I Protect Myself?

What is a Loan Guarantor and How Can I Protect Myself? Licensed moneylenders are in the business of lending money...
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New Money Lending Guidelines: Will It Cost You More On Loans?

New Money Lending Guidelines: Will It Cost You More On Loans?

The moneylending scene in Singapore has been fraught with cases of fraud and cheating, with moneylenders charging unsuspecting customers heavy...
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What To Do If You Meet An Unlicensed Money Lender?

Did you know that the government has provision for you to file a case against an errant licensed moneylender? The...
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What Should I Do After Being Granted a Loan?

What Should I Do After Being Granted a Loan?

Getting a loan in Singapore is a pretty straightforward process if you go through the right channels. Lending institutions include...
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