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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.

Licensed Money Lender Personal Loan River Valley

Signboard with River Valley

River Valley is a planning area within the Central area of Singapore. On its southern point, it borders the Singapore river thus providing its residents with some access to waterfront living and all that comes with it.


If you are looking for a high-end property with lots of great eating amenities to raise a family in, then River Valley is the place to be. The area is also popular with expatriates, which makes it a melting point of different cultures.


Other attractions within River Valley include shopping malls, entertainment centers, good educational institutions, and easy access to the Central Business District. You can enjoy them if you have the funds to do so.


But what if you need to pay bills in a hurry before your salary comes in?

What is a Payday Loan?

payday loan is a loan that is pegged on your monthly income. It is the kind of loan that you borrow if you have bills to pay and no money in hand to pay them with.


Payday loans are usually short-term loans meant for financial emergencies. The loans tend to be the equivalent of your monthly income or less.

The Advantages of Taking a Payday Loan

Not every situation calls for a payday loan. But there are benefits of taking a payday loan when the need arises. These benefits include the following:


  • Payday loans are much easier to get. There is no need for collateral. The main requirement for these loans is proof that you have a job and an income that can be used to pay it off.
  • A payday loan is an excellent source of funds when you have a financial emergency. Most moneylenders will advance it to you within a day, thus enabling you to pay looming bills with minimal hassles very quickly.
  • Payday loans mostly factor in your earning ability rather than your credit history. This enables you to access funds that you need even if your credit history is bad. For this reason, payday loans are also an excellent option if you have a steady income and are looking to raise your credit score.
  • A payday loan can be used for anything. Its purpose is not limited. Whether you want to pay for that extra bill for your upcoming wedding, or you need to use it to take care of a medical emergency, that’s up to you.

How to Get a Payday Loan From Us?

Are you looking to get the best payday loan in Singapore to cater for your looming expenses right now? Then Raffles Credit can help you. Here’s how you can get this kind of loan from us:


  • Ensure that you are eligible for the loan. First, you must be over 18 years old. You must also show proof of citizenship or residency and income. Depending on your immigration status, you can either show us your bank statement or at least 3 months’ payslip and an employment letter. Other requirements can be found on our website.
  • Click on our online application form and include all the details that we require. We will let you know in 30 minutes whether you have the preliminary approval.
  • Upon confirmation, we will ask you to come to our office for verification of your identity. This is in accordance with the guidelines provided by the Ministry of Law of Singapore.
  • We will then customize your payday loan plan and give you the loan agreement to sign.
  • Your much-needed cash will be given to you as soon as all the paperwork is done.


If you are looking for a licensed moneylender in River Valley to give you a payday loan, Raffles Cred is here for you. And we have 5-star ratings and hundreds of positive reviews on Google and Loan Advisor as proof of how great our services are. We will help take care of your financial needs today. Call us today at +65 6235 1788.

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