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

View All Loans

Complete Your Loan
Application In 3 Steps

Fill up an application form

It takes an estimated 5 minutes to complete.

Receive application result and make appointment

Our loan officer will contact you within 24 hour upon form submission.

Sign agreement and get your cash

Confirm your loan contract and get your money without delay.

Apply Now

Frequently Asked Questions

We provide personal loans, education loans, credit card consolidation loans, car loans, renovation loans, business loans 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.
We do not need a guarantor in most cases.
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.
You can refer to MinLaw's List Of Licensed Moneylenders for verification.

Also, we are linked with Singpass's Myinfo which is maintained by the Singapore government.
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.
The maximum rate of interest they can charge is 4% per month.

For late repayment, the maximum rate of late interest is 4% for each overdue month.
1AP Capital welcomes everyone and we strive to create the best loan plan for all.

Regardless if you are employed or self-employed, you are eligible for a loan. As long as you are 18 years old and above, you may apply for a loan.
Yes, of course! 1AP Capital welcomes all! Even if you already have loan contracts with other licensed moneylenders, you can still get a loan with us.

Our professional loan officers can help you evaluate your financial health and recommend the best loan plan tailored for you.
Yes, you can still apply for a loan with 1AP Capital. We have bad credit loans available.

Not to worry, our professional loan officers will be able to help you. We will evaluate your financial health and advise you on the best loan plan.
At 1AP Capital, we offer our customers with flexible and comfortable loan repayment plans.

You can choose between: - Weekly - Biweekly - Payday - Monthly
1AP Capital, one of the most reliable licensed moneylenders in Singapore offers many different loan packages to meet the needs of our customers.

You can choose from: - Personal Loan - Fast Cash Loan - Business Loan - Urgent Cash Loan - Foreigner Loan - Holiday / Vacation Loan - Dental Loan - Renovation Loan - Education Loan - Wedding Loan - Furniture Loan - Car Loan - Medical Loan - Plastic / Cosmetic Surgery Loan - Grab Taxi Driver Loan
Yes. All you need to do is provide proof of your residence, indicating your name and address.
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.
We are located 5 minutes away from the Tanjong Pagar MRT.

Our address: 10 Anson Road, #01-38A, International Plaza, Singapore 079903.

Our opening hours: 11am – 8pm: Monday to Saturday 10am – 7pm: Sunday Closed on Public Holidays

Contact: +65 6533 5335

Enquiries: sales@apcredit.sg
1AP Capital has streamlined our loan application process. It takes only 5 minutes to apply for a loan with us. That's how fast it is!
On the spot! Once your loan has been approved, we are able to give you your cash on the spot. There is no waiting time.
Yes, you can.

Our professional loan officers will look at your financial health and advise you accordingly.
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.
View All FAQs