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Get Loans Easily By The Top Moneylenders

Moneylenders are very different from bank institutions; they offer small loans at high rate of interest. Money lenders play an important role in a life of a person who does not have access to banks or has a bad credit history. If you are a first time borrower, then you are at the right place. The top moneylenders of Singapore offers you cash within thirty minutes at low rate of interest.

Here is the list of top moneylenders of Singapore :

  1. Credit 21 – Credit 21 is among the one of the top moneylenders in Singapore which is licensed by the ministry of law. They ensure that the customer satisfaction is at the top by giving the best rate of interests to them. They have designed their packages in such a manner that it meets the need of the clients. It also has numerous online facilities for their clients. If you need money for school fees or to buy plots, you can always rely upon credit 21. As they provide loans at affordable prices.
  2. Horison – Horison is also one of the best moneylenders in Singapore. It is also licensed by the ministry of law. It is one of the most authentic and genuine moneylenders. They have fast and satisfactory solutions for your problems. They make sure their clients are able to meet their needs with the loans. Everyone faces monetary issues. Financial difficulties are common among human beings, a lot of times people do not have access to the cash, so horison supports clients who have an emergency. If you are in a need to borrow cash quickly always look up to horison to meet your needs.
  3. Katong credit – Katong credit is a licensed moneylender that has been gaining the trust of the clients since the past few years. It is the most genuine and recommended moneylender. It makes your accessibility easy, as they charge lower rate of interests and fast accountability. If you have poor credit you should avoid accessing loans in Singapore rather go for the top moneylenders in Singapore that keeps customer satisfaction on the top. They ensure that you receive the cash as fast as possible and the client is able to meet their needs. katong services are easily available online and its eligibility criteria is very easy for the clients.
  4. U Credit – U credit offers the loans at the affordable rates. It is one of the most trusted moneylenders in Singapore. They are easily available online and on a toll free number. If you have any query regarding the interest rates you can give a call on a toll free number. The specialist is available 24/7. They have answers to all your questions in fact they offer a great opportunity for their clients that is the clients are welcomed to compare the rate of interests. U credit offers the best plans for the customers. For u credit the customer satisfaction always comes first.
  5. Credit thirty3 – Credit thirty3 is also registered under the ministry of law. It is the most trusted moneylender and offers fast loan services. Credit thirty is best known for its online services as it is easily accessible and offers lower rate of interests. They make sure that they give their clients the best possible rate of interest for the loan. Their main focus is customer satisfaction. To achieve this they offer services that are convenient for their customers as it is the most trusted and genuine money lenders in Singapore. They keep their client’s information secure and to achieve this they follow the security measures to keep the identity safe.
  6. Credit master Pte ltd. – The credit master has been licensed by the ministry of law and is one of the most reputed money lenders in Singapore. It is known as one of the top money lenders from Singapore because the services offered by them are exceptional. They make sure their clients are able to meet their needs and access their loans at affordable prices. They are easily accessible and one can get in touch with credit master by calling on a toll free number which is available 24/7. The reliability of the credit master has made it genuine and authentic. They are known for their best services and fast accountability.
  7. E. investment Pte ltd. – the best known financial company in the Singapore is S.E. investment. It is one of the top companies which is based from the Singapore and registered by the ministry of law. Their main aim is to help the customers when they face any sought of financial emergency. They help people in different circumstances and support them financially. They offer many different types of financial loans as per the needs of the clients. They offer customer services that are friendly and flexible in nature. You can contact S.E. investment online or you can visit their website.
  8. AP credit licensed money lender – AP credit is known for its professional money lenders. It offers various types of loans such as educational loans, business loans or personal loans. They are known for their professional staff so whenever a client faces any problem or has an emergency, the specialist come to them with all the possible solutions. They have various loan packages for their customers according to their needs. They are fast and one of the most authentic and genuine money lenders. It is easily accessible and offers reasonable rate of interests.
  9. Credit matters Pte ltd. – Credit matters provide loans to Singapore residents or foreigners. It is a licensed money lending company approved by the ministry of law. They offer excellent services for their clients. Whenever the client is in the need of money or has an emergency he or she receives the money within a few hours. They aim at how to maximize the satisfaction of the customers by offering them personalized loans.
  10. Cash express – The ultimate solution for emergency is the cash express. It is best known for its fast services and quick response. It offers low rate of interests for their clients and is one of the top money lenders existing in Singapore. Their great services benefit many people. It is easily available online.

The first thing you should consider before going to the money lender is its reputation. Above mentioned are some of the top money lenders in Singapore which will help you to make the right decisions as the reputation of the money lender plays a very important role.

Top 10 Personal Loan Money Lenders in Singapore

Many-a-times, it happens that you have the ambition and the passion to create something new, something different, to do something different from the league. You have the idea but to do not have the resources to implement it. It can be very difficult to convince the investors. And even when you convince the investors, they will obviously ask for equity in your project. They will want a share in all the profits. It can be helpful as they will share the losses with you as well. But the easier way out of the situation is to ask for money from the money lenders. In Singapore, a lot of money lenders are available in the market. In this article, we will be discussing the ones ruling the market i.e. Top 10 Personal Loan Money Lenders in Singapore.

Before deciding on which money lenders to opt for, you need to ensure that they are licensed. Check which money lenders provide minimum interest rates and the services provided by the money lenders is of premium quality. Frauds are always there in the market. So you need to be very careful about deciding which money lender to opt for. The list of companies enlisted below are licensed.

AP Credit Money

It is team of professionals which offer all types of loan i.e. personal loan, business loan, educational loans and all. The structure of the loan can be tailored as per the needs of the customer. Modifying the minute details is always an option. They are well known for their reliable and fast service. To contact the firm, you can call at 6533-5335.

Kairon Services

The company resides in the peninsular plaza in Singapore. They are one of the most renowned money lenders in Singapore. They provide loans for enterprises, residents and expatriates. They are conventional lenders, have been in the field for a long time now. You can contact the firm at +65 62621813.

GM Creditz

The loan provided by GM Creditz is a more flexible loan. They adjust the structure of the loan as per the requirements of the customer. The loan is credited to the customer in cash. The loan company has been rated as 4/5 by nearly every customer. The reviews state the company is reliable and trustworthy.

Credit Master

These are one of the most esteemed money lenders in Singapore. The company is known for 100% customer satisfaction and out of the financial solutions. The financial products supplied by the company are different from the league and have been majorly accepted by the people. Fast and affordable loans are offered by Credit Master. You can contact the Credit Master at 6748-1338.


Horison offers financial solutions to its customer which are majorly accepted and respected. They have been helping their customers with financial aids. They try their best to understand the needs of the customers and helping them overcome financial troubles. Debt consolidation is offered by the company. The company believes in speedy performance. You can contact Horison at 6844-2902.

Katong Credit

Katong Credit has been dealing with different types of people. The company has been offering financial aid to everyone. The interest rates offered by company are comparatively very less than the interest rates offered by the bank. The company will provide with quick cash. The eligibility criterion of the company is easy to pass. The company also provides foreign loans. You can contact the company at 6291-2210.

Singa Credit PTE LTD

The company was earlier known by the title Yong Seng Credit. It has been offering financial aid and solutions since 1992. The company is known for its honesty and premium quality service. It even provides financial aid on short notices as well. The loans are offered to people from all walks of life. The loans offered by the company are foreigner loans, bridging loan, personal loan and finally payday loan. You will notice that every customer has rated the company with at least 4/5 stars. You can contact the company at 6694-6166.

Quick Credit PTE LTD

The company is headquartered in IMM building in Singapore. The company has been providing financial aids since 2002. Individual needs of the customers are taken into consideration. With inflation, needs of every individual are increasing. And to deal with them , the earning member of the family has to work hard but sometimes you can opt for financial help offered by money lenders like Quick Credit Pte Ltd. It doesn’t matter for what purpose you need money for, be it for wedding or a family vacation, the company will provide you financial help. The company known for its reliability and efficiency. You can contact the company at 6899-6188.

U Credit

This company is known for its affordable loans. They are one of the most trusted money lenders in Singapore. The interest rate on the loan is decided as per the income and current financial conditions of the customer. They are so much confident with their service that they will help you compare their interest rates with other money lenders to make the final decision. They offer foreigner loans as well. Personal loan, education loan and business loans are offered by U Credit. You can contact U Credit at 6337-1768.

SE Investment Pte Ltd

And this is the last entry in our list of Top 10 personal loan Money lenders in Singapore. The loans are offered by SE Investment Pte Ltd are for permanent residents of the country as well as for the foreigners. The interest rates put forward by the company are acceptable. Repayment plans can be tailored as per the customer’s requirements. Premium quality service is offered by SE Investment Pte Ltd. Free quotations and financial solutions are offered by SE Investment Pte Ltd. You can contact at 6222-5855.

These are the major money lenders in Singapore. With this, we come to the end of the list of Top 10 Personal loan money lenders in Singapore. Before choosing any money lender, make sure that they are licensed.

Zero Based Budgeting

ZBB (zero based budgeting) can be explained as a rigorous process of budgeting and requires every expense to be justified even if it has been occurring for several years. It involves the re-evaluation of every factor of the cash flow statement and justifying every expense incurred by the department.

Therefore, ZBB is a method of budgeting in which all the expenses of a particular new period is calculated on the basis of actual expenses that are expected to incur rather than on incremental basis which includes increased expenses that incurred in previous years at a fixed rate. Within this budgeting method, every activity should be justified and every cost that generates revenue for the company should be explained.

ZBB (zero based budgeting) is a contrasting method to that of traditional budgeting practices which aim at the incremental change from current expenses and assumes that no balance will be carried forward or that no expenses are pre-committed. Literally speaking, zero-based budgeting is a method with zero prior basis and focus on identifying a task and then recording expenses irrespective of the current structure of expenditure.

Steps Involved In Zero-Based Budgeting

  • Identifying a task
  • Finding means to accomplish the task.
  • Evaluating all available solutions and evaluating sources of funds.
  • Setting priorities and budgeting numbers.

How ZBB (Zero Based Budgeting) Is Different From Traditional Budgeting Practices

Bases for Budgeting

Zero-based budgeting is a budgeting practice in which the current year’s budget is prepared with zero bases or from scratch. Traditional or incremental budgeting method requires preparing current year’s budget by making some changes in the previous year’s budget. The changes take place in the form of adding in or reducing expenses to the previous year’s budget.

Resource Allocation

In zero-based budgeting, budget preparation takes place by allocating maximum resources to activities that offer maximum benefit to the business. On the other side, incremental budgeting is undertaken without giving any priority to activities that are crucial for business and the previous year’s budget is adjusted by considering inflation rate.

Wasteful Expenses

As ZBB (zero based budgeting) is prepared from the scratch, any allocation of resources to activities will be based upon cost benefit analysis and risk reward ratio. In this way, any wasteful expense is avoided. In case of incremental budgeting, wasteful expenses are a part of the budget. The inefficiencies that are present in the processes are ignored and only the increment in cost becomes a part of the budget.


Through zero-based budgeting, innovation can be promoted in the business. Since the budgets are prepared from the scratch, it gives business leaders new ideas to innovate for reducing their operational cost so that the allocation of resources can be justified. Traditional budgeting methods lead companies to have a conservative thought. Because the budgets are nearly same every year, chances of innovating in the business are very low. Zero-based budgeting has a very dynamic nature.


Business managers require having special knowledge and skills for preparing zero-based budgets. A well-qualified and professional person has the ability to prepare this budget. Conversely, traditional budgeting methods are easy and can be prepared easily by managers. They do not have the requirement of any special training or knowledge and any department can make the budget.

Advantages of ZBB (zero based budgeting)

  • Efficiency: Zero-based budgeting allows for efficient allocation of resources as historical numbers are ignored and actual figures are considered.
  • Accuracy: As against regular methods which bring in minor changes in previous year’s budget, ZBBB calls for every department to consider every item in the cash flow statement and then compute its operational costs. This also gives an opportunity for cost reduction and provides an understanding of incurred costs as against desired performance.
  • Reduction in wasteful activities: ZBB (zero based budgeting) looks for identifying opportunities and a more cost-effective manner of making things done by eliminating every unproductive or wasteful activity.
  • Budget inflation: As every item requires justification zero-based budgeting overcomes the weakness of budget inflation in incremental budgeting.