Unsecured loans up to $100,000 SGD

Secured loans up to $2,000,000 SGD.

Lending Bee® offers longer loan tenures up to 36 months for unsecured loans.

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Lending Bee® Legal & Licensed Money Lender Singapore

We lead the way for all your financial needs.
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For Everyone.

Lending Bee® gives back. A little goes a long way. During these unprecedented times, we believe that everyone has a part to play in combating COVID-19. Hence, Lending Bee will be providing 50 free masks for everyone who walks in. We hope to lend a helping hand to all in the community and we will get through this. Together, we can overcome COVID-19 and emerge victorious.

We Make A

Following MinLaw’s announcement of six new firms piloting alternative business models for money lending, we are pleased to announce that Lending Bee Pte Ltd (Licence No. 73/2020), a subsidiary company of Credit 21 Pte Ltd, has been awarded with this honour.

At Lending Bee, we are a licensed money lender committed to making a difference in the ways in which people access credit. Compared to traditional banks and other financial institutions, we’re constantly pushing boundaries. Presently, we’re running on an entirely new business model. We digitalise the lending processes whereby cost is kept to a minimum. This is so that you can enjoy the best rates from us. All while safeguarding your personal information. 

With Ease.

By taking up a loan with us, you’ll get access to friendlier and more attractive terms: A higher borrowing limit and longer loan tenure. This ensures that you’ll get access to the cash you need, without having to worry about monthly repayments. 

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Our Credit Solutions

Regardless of the financial knot you find yourself in, our credit solutions will bring you one step closer to achieving your financial dreams.

With Lending Bee’s personal loans, you’ll be able to cater for your personal expenses. So that you won’t have to dry up your emergency funds. Personal loans can be used for credit card consolidation, renovation and auto refinancing loans. 

A significant amount of capital is required to start up or expand your business. This is where business loans might come in handy as we offer forms of credit ranging from working capital loans to trade and receivables financing.

Lifestage Financing

Throughout the course of your life, there may be instances where you require additional financial help. Credit card bills, weddings or even the increase in expenses as your family grows. This is where a lifestage financing loan can help. 

When you’re all geared up and ready to see what the world has to offer, the last thing you want is to be weighed down by your finances. If you’re looking at alternative ways to fund your dream vacation, we’re here to help with a travel financing loan.

Don’t let your finances limit your opportunity for further education. From tertiary to local, private and overseas universities, we offer funding for various levels of education. Take that leap of faith with us today. 

During a medical emergency, we’ll provide you with the necessary funds so that you can focus on dealing with the emergency itself. Find out more about our medical financing loan.

Weddings are a joyous yet expensive affair. It is  undoubtedly going to be one of the major life things that you will spend on throughout the course of your life. Require additional financial aid? Learn how a wedding loan can help.

A bridging loan is a short-term loan to help bridge the financial gap between the sale of your old property and the purchase of your new home. Fretting over downpayment fees? Upgrading your house just got a whole lot easier.

Home loans, car loans, study loans, credit card payments – struggling with too many loans? A debt consolidation plan from a trusted licensed moneylender is all you need. Basically, your debts will be simplified into one for easier repayments and lower interest rates.

Our Process Is Simple – Just 3 Steps

Efficient and reliable, we help you make progress in life.

1. Easy Online Application

Register an account, use MyInfo to retrieve your particulars, submit application. Takes only 5 mins.


2. Receive Application Status

Outcome of your loan application with the max. loan amount and tenure will be provided via the app.


3. Fast Cash Disbursement

Head down to your selected Lending Bee® branch, sign the contract and get your money instantly.

1. Easy Online Application

Register an account, use MyInfo to retrieve your particulars, submit application. Takes only 5 mins.


2. Receive Application Status

Outcome of your loan application with the max. loan amount and tenure will be provided via the app.


3. Fast Cash Disbursement

Head down to your selected Lending Bee® branch, sign the contract and get your money instantly.

Why Sets Lending Bee Money Lender Apart?

As a legal and licensed money lender with the Ministry of Law, Lending Bee’s aim is to provide financial assistance and make loans accessible to everyone in Singapore. We offer personalized financial solutions at affordable rates. All within the shortest time possible.

As a subsidiary of Credit 21 Pte Ltd, we are one of the top licensed moneylenders in Singapore. Out of 156 licensed money lenders, Lending Bee was one of the six selected by MinLaw to pilot alternate business models for money lending. As such, you can be assured that we are a reliable and licensed moneylender with a huge capital backing. Thus, we are able to provide you with a loan to suit your needs quickly.

With inflation and the high costs of living, many of us might experience financial difficulties. You might require additional cash to foot the bills, pay the rent or purchase necessities. To make matters worse, if you already have a bad credit record, it will be even tougher for you to get a loan.

How Can Lending Bee Money Lender Help?

As one of the top legal and licensed moneylenders in Singapore with more than 900 positive customer reviews, Lending Bee licensed money lender Singapore aims to help all our customers financially. Our team comprises experienced and professional financial consultants who are well versed in the moneylending industry. This is why we endeavor to listen and understand our customers’ concerns before suggesting the best financial plan. Rest assured that we do not reject customers with bad credit. This is in line with our goal to provide financial help and tailor a loan to suit everyone.

If you are looking for a fair, reliable, fast and transparent money lender, look no further! Being a subsidiary of Credit 21, we have a strong support and provides loans at lower interest rates. All while strictly adhering to the rules and requirements set by MinLaw.

By constantly reinventing ourselves, Lending Bee licensed money lender updates our knowledge and technology in order to provide the best financial services to all of our clients. To expedite our loan process, we have specially set up our own online loan application. This enables our professional staff to get back to you within hours. As we strive to become one of the best, we have pioneered an app for our clients to access their loan details. From there, they will be able to check on their loan status anytime, anywhere. Ultimately, ensuring that our financial services are fast and convenient is a priority for us.

Financial aid should be easily accessible and quick. We can help.

Require A Loan? Here's Why You Should Choose Lending Bee Licensed Money Lender

1. Quick and efficient service

At Lending Bee, we understand that some financial emergencies require immediate attention. Compared to banks, we have expedited our loan process through the use of our online application form. Therefore, it can be done within 5 minutes! Loans are also approved in principle within an hour or less by our financial advisors. Furthermore, all customers will also be given a special account, allowing them to check their loan status.

2. We are reliable

Out of 156 licensed moneylenders in Singapore, Lending Bee is proud to have been given the opportunity by MinLaw to pilot alternate business models for money lending. We adhere strictly to the rules and regulations set by MinLaw. In doing so, we ensure that the entire loan process is fair and transparent. This proves that that we are a licensed moneylender and we provide detailed contracts and receipts for all proceedings.

3. You don’t risk harming relationships

Borrowing cash from friends and family risk ruining precious relationships. On the other hand, taking a loan from banks might not be feasible due to the long approval time. If you urgently need cash, waiting for banks to reply doesn’t sound appealing at all. In such situations, Lending Bee is here as an alternative avenue of financial help.

4. Consolidate all your existing debts into one

If you are already taking multiple loans and have a bad credit rating, fret not! Wish to consolidate all of them into a single loan? As a licensed moneylender with larger financial backing, we offer debt consolidation plans. By consolidating all your loans into one, we help to make repayment clear and easy for you. We provide you with the funding to repay your debts and provide a new financial solution to you. Taking debt consolidation plans from a licensed moneylender will also help to improve your credit score.

5. Easy loan eligibility

Many a time, some licensed moneylenders and banks might reject customers with bad credit. However at Lending Bee, it does not matter if you have a bad credit report. As long as you have a salary or a proof of income, we can design a financial plan for you. Ultimately, we always strive to ensure that our customers get the loan that they seek for.

6. No cancellation penalty

In the event that you decide to reject our loan, rest assured that there are no penalties involved. You are free to take a loan with us again in the future. Some money lenders may charge a small penalty fee but we do not. We aim to make our loan services comfortable and flexible for our customers.

Trust our process and we aim to deliver the best to you.

Taking A Loan With A Licensed Money Lender: Rules And Regulations

Like all businesses in Singapore that are strictly governed by the Ministry, licensed moneylenders are no exception. All licensed moneylenders are expected to adhere to the loan guidelines set by the Ministry Of Law. To be able to differentiate between licensed and unlicensed moneylenders, below is a list of points that you have to take note:

1. The maximum interest rate moneylenders can charge is 4%

Regardless of your monthly income, the maximum interest rate that licensed moneylenders can charge monthly is capped at 4%. If you fail to repay your loan on time, you will only be charged with a maximum rate of late interest charge of 4% per month, for every month that repayment is not made.

2. Cost of borrowing

The total cost of borrowing from a licensed moneylender should not exceed your principal loan amount. Meaning that your interest rate charges, late payment fees and administrative charges should never exceed your total principal loan amount.

3. Rules to late repayment

If you fail to make timely repayments, the maximum fee that licensed moneylenders can charge is $60 for each month of repayment. However, this cannot be charged to repayments that have already been made.

4. Discern between licensed and unlicensed moneylenders

The last thing you would want is to find yourself taking a loan from an unlicensed moneylender. Hence, it is important to note of the following. When it comes to advertising, licensed moneylenders are only permitted to advertise through 3 channels:

  • Business or consumer directories (print/online media)
  • Websites belonging to the moneylender
  • Advertisements placed within or on the exterior of the moneylender’s business premises

In addition, if you receive flyers, unsolicited calls, messages or any other forms of advertisement, these would most likely either be from licensed moneylenders acting in violation of the laws or unlicensed moneylenders.

5 Things To Know Before Applying For A Loan With A Licensed Money Lender

When applying for your first loan, it is important to look around for a loan that will suit you best. It is important to note that there are different loan options designed for people with different requirements and circumstances. Here are some considerations to ensure that you not only get the best loan from a licensed money lender, but to also make certain that you are applying for a loan under the best terms.

1. Available Options

There are different types of loans in the market, so it is important you go for the one that best suits your situation. At Lending Bee licensed money lender, we offer a variety of loans tailored specifically to suit your needs.

These include personal loans, wedding loans, debt consolidation plans, education loans, home loans and business loans, among other things.

2. Applicable Fees

Other than interest rates, it is important to consider other applicable fees when taking your first loan. Go through the fine print of your loan agreement to see if there are hidden fees. Be on the lookout for such fees as:

  • Administration fees
  • Origination fees
  • Processing fees
  • Appraisal fees
  • Early exit/redemption fees
  • Early repayment fees
  • Insurance fees
  • Withdrawal fees
  • Underwriting fees
  • Credit report fees

With all these fees in mind, you’ll be glad to know that Lending Bee only charges you an application fee that is 10% of your total loan amount. For recurring customers with good repayment history, this application fee will be lowered to 8% of your total loan amount.

3. Repayment Amount

This is an important consideration – you do not want to end up with a loan that you will struggle to repay. Failure to make loan repayments is bad for your credit score, which will ruin your chances of getting future loans.

This is why you should always watch your spending and not overspend. Doing so will result in you having a larger repayment amount, which is something that we all wish to avoid.

4. Repayment Period

Consider the time you have to repay the loan. You do not want to be stuck with a loan for 10 years as this will leave you financially stagnant. At Lending Bee, we have customizable loan tenures of to 36 months. This ensures that you’ll have enough time for repayment, all without putting a strain on your finances.

5. Current Financial Situation

This is an important yet often overlooked consideration. Consider your current financial situation. While taking a loan might help you financially, do you have the means to make timely repayments?

It would not make sense for you to take a loan only to struggle with repayments thereafter.

Get a loan tailored to suit your needs. Speak to us today.

Frequently Asked Questions

How do I apply, and how fast can I receive the money?

In the comfort of your home or office, from application to obtaining the maximum loan amount and loan tenure, our brand new 3-step flow via our online / mobile application will see you from start to finish. If you are satisfied with the terms, just simply set an appointment at your preferred branch, sign the contract and the money will be passed to you in cash or cheque on the spot.

Alternatively, you can also head down to any of our branches and speak directly to our friendly loan officers, whom you will be able to consult on your loan application.

I don’t have a fixed income. Can I still get a loan?

If you are an entrepreneur, taxi driver or is simply paid based on commission, do not worry. Lending Bee offers loans to you as well. All we need is your last two income tax returns so that we can calculate an average monthly earning amount which will help us determine the loan amount you qualify for.  

I have taken loans with other banks before and I have a poor credit score. Can I still get a loan?

Banks often turn away customers with poor credit scores. At Lending Bee, we do not reject you immediately because of a low credit score.

We will always evaluate each case individually and try to understand the applicant’s situation. If we find that your current financial situation has improved, we will still provide a loan to you. Unlike most banks and lending companies, Lending Bee aims to help as many people as possible.

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With Us, You Can.

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