1AP Capital - Your Most Trusted Licensed Money Lender
Reliable and professional financial company, registered under Ministry of Law.
Your privacy is assured, 100%.
We promise no hidden costs. All terms and conditions will be thoroughly explained.
Low interest rate and administration fees.
5 Minutes to apply. Quick processing, fast approval, same-day disbursement.
Choose A Loan That Meets Your Needs
Renovation Loans
Instead of tapping into your savings, getting a renovation loan will help you ease your financial burden while building your dream home.
Education Loans
Invest in your future by getting the right diploma or degree. Education is the key to gaining success in life. Let our education loan lend you a hand.
Personal Loans
We appreciate that getting financing from your bank is not easy and our personal loan packages provide a timely alternative. These unsecured loans are ideal for people who are caught in a financial pinch.
Fast Cash Loans
Our fast cash loans are one of the best alternative to traditional financial services because they are easily accessible and requirements are less stringent. With our streamlined process, you get your cash quickly.
Business Loans
Singapore’s small and medium businesses are the heart of the country’s economy. We have designed a business loan package that will help businesses expand and optimize their operations. Our SMEs loans are easily accessible and highly customized to meet your company’s needs.
Wedding Loans
With a personalised wedding loans with 1AP Capital, you will be able to have the wedding of your dreams. This can cover the cost for wedding photography, hotel bookings, banquet fees, gown rentals and more.
You can choose to repay your loan installments through ATM Transfers, ATM Deposits, Bank Deposits, or Internet Transfer to any of our local bank accounts. Alternatively, you can also do your loan repayments in cash or through cheques at our office.
Yes, of course! You will always be welcomed at 1AP Capital.
Our experienced loan consultants will take pleasure in providing you with a structured loan plan based on your financial capacity. It is important that you provide an accurate account of your financial status so that we can assist you in the best possible way.
You can apply for a loan with us online, or via Myinfo at any time of the day. You can apply from your phone, tablet or laptop.
Unlike banks, you do not have to physically be at the venue to apply for a loan.
Also, banks usually close around 4.30pm to 6pm, making it tough for working adults to make a trip there. With our online application form, you won't face this issue.
Yes, you can apply for a loan via Myinfo.
1AP Capital has synced our system with Myinfo and will be able to retrieve the necessary information for loan applications.
Rest assured that we will only do it with your consent. Connecting to Myinfo, a government portal further proves the reliable of our company.
For Singaporean applicants, please prepare your:
- NRIC / Proof of identity
- CPF / Bank statements / Income Proof
For foreigners, please prepare your:
- Work permit / S Pass / E Pass
- Address / Proof of residence / phone bills / utility bills
- Bank statements / Income proof
For Singaporeans and Permanent Residents (PRs):
- If your annual income is less than $20,000, you can borrow up to $3,000.
- If your annual income is $20,000 and above, you can borrow up to 6 times of your monthly income.
For foreigners:
- If your annual income is less than $10,000, you may borrow up to $500.
- If your annual income is at least $10,000, but less than $20,000, you may borrow up to $3,000.
- If your annual income is at least $20,000, you can borrow up to 6 times of your monthly income.
Legal moneylenders such as 1AP Capital abide by the rules set by the Ministry of Law.
- Licensed moneylenders are not allowed to charge a fee exceeding $60 for each month of late repayment.
- Licensed moneylenders should not charge a fee exceeding 10% of the principal loan amount.
1AP Capital (49/2023) is a licensed moneylender with the Ministry of Law.
Our physical shop is located at 10 Anson Road, #01-38A, International Plaza, Singapore 079903.
We can be contacted via our landline at +65 6533 5335.
We will always explain the loan procedure and loan contract clearly. We will also request for borrowers to head down to our shop for a face-to-face verification.
Most importantly, we will never ask borrowers to make any payment for their loan to be approved. If the other party asks for money before you get your loan, they are loan scams.
Banks in Singapore often cater to larger loans with longer loan terms. Also, they require a longer processing time due to the bank's hierarchy system and red tape.
For licensed moneylenders such as 1AP Capital, we minimise the documents needed for the loan application. We will only request for your identity and income proof. Our application process is also hassle-free and can be made online.
Late loan repayments may cause you to incur extra charges and affect your credit score. We at 1AP Capital will do our best to help you.
If you face difficulties repaying your loan, please speak to us. We will definitely lend a listening ear and try to ease your financial burden. 1AP Capital is a flexible and understanding licensed moneylender in Singapore.
There are various reasons for loan rejections. It could be because of a poor credit score or that you've reached your borrowing limit. Your borrowing limit is dependant on your income.
1AP Capital has a high 4.6 Star Google Rating. We are one of the most reliable and honest licensed moneylenders in Singapore.
Our loan application can be completed within 5 minutes and our staff will contact you within 24 hours. We also have large capital and is able to disburse your loan on the spot.
We are also conveniently located near Tanjong Pagar MRT.
Firstly, ensure that you are requested to make a trip to the shop to get your loan. If they choose to transfer you the money without a face-to-face verifications, they are illegal lenders / loan sharks.
Secondly, ensure that they present you with a loan contract. They should explain all of the print on the loan contract clearly.
Thirdly, the licensed moneylender should only be advertising via their physical shops and on their own website. If they reached out to you via SMSes, WhatsApp messages or Emails, they are loan scams.
Lastly, a licensed moneylender will never request for money to get your loan approved. The fees for the loan will be deducted from the principal loan amount.