Official site of Lending Bee Pte. Ltd. | Licence No. 41/2026.
Official site of Lending Bee Pte. Ltd. | Licence No. 41/2026.

Licensed Money Lender in Singapore

Fast, Regulated Loan Solutions with Transparent Terms.

Since 2018, Lending Bee® has provided transparent and regulated loan solutions under the Ministry of Law. Selected as 1 of 6 licensed moneylenders in Singapore for the MinLaw pilot scheme.

  • Fast loan approval via Singpass
  • Manage your loan via our app
  • 4 branches across Singapore
  • 9,000+ verified 5-star reviews

Apply Now
App store Google play

Trusted Licensed Money Lender in Singapore

Lending Bee® is a Ministry of Law licensed money lender in Singapore, providing transparent and regulated loan solutions you can trust. Listed on the Singapore Registry of Moneylenders and a certified member of the Singapore FinTech Association (SFA), we operate under strict regulatory standards with clear terms and responsible lending practices.

You can also manage your repayments more conveniently with the Lending Bee® loan app, where borrowers in Singapore can check their loan balance, track instalments, and stay organised after loan approval.

Featured Across Singapore Media Platforms

Channel NewsAsia media coverage of Lending Bee Singapore AsiaOne media coverage of Lending Bee Singapore Vulcan Post Singapore feature on Lending Bee Asia News Network coverage of Lending Bee Singapore

View our latest media coverage on digital lending and cybersecurity.

Personal Loan Repayment Calculator

Use the Lending Bee calculator to estimate your monthly personal loan repayments before you apply.

$
$100 $100,000
20 Months
1 Month 36 Months
Principal
Interest

Disclaimer: Results are estimates for illustration only. Actual loan terms, interest rates, and approval are subject to individual assessment and Ministry of Law regulations.

Loan Types Available at Lending Bee®

Choose from a range of regulated loan options designed to meet different financial needs in Singapore.

Personal Loans

Personal Loans

Flexible funding for daily expenses, emergencies, or debt consolidation with our personal loan in Singapore.

Explore Personal Loan

Instant Fast Cash Loans

Instant Fast Cash Loans

Get fast access to cash for urgent needs with same-day approval and quick disbursement.

Apply for Fast Cash

Foreigner Loans

Foreigner Loans

Loan solutions for foreigners working in Singapore with valid passes, designed to meet your financial needs.

Explore Foreigner Loan

Debt Consolidation Plans

Debt Consolidation Plans

Combine multiple debts into one manageable repayment with structured and regulated loan terms.

Start Debt Consolidation

Bridging Loans

Bridging Loans

Short-term financing to support your property purchase while waiting for sale proceeds.

Learn About Bridging Loan

Illustration showing how to speed up a regulated loan approval using Singpass at Lending Bee Singapore.

Ready to Get Your Loan Approved?

Apply with Lending Bee® for a fast and regulated loan process with transparent terms.

Apply Loan Now

Why Borrowers Choose Lending Bee®

We provide a higher standard of professional, regulated, and transparent personal loan solutions in Singapore.

Lower rates & higher limits

Benefit from more competitive interest rates and higher borrowing limits than standard lenders.

9,000+ Verified 5-Star Reviews

Trusted by thousands of borrowers across our four Singapore branches, with consistently high ratings for service and reliability.

Regulated by the Ministry of Law

Operate with confidence knowing Lending Bee is licensed and regulated under the Ministry of Law, with transparent loan terms and clear fee structures.

Fast Approval with Singpass

Apply quickly through secure Singpass integration and receive an outcome on your loan application in as little as 30 minutes.

Clear Repayment Terms

Understand your repayment schedule upfront with no hidden fees, ensuring a transparent and manageable borrowing experience.

Inclusive Financial Solutions

We provide accessible credit for all individuals, including lower-income groups and foreigners.

Real Reviews from Our Borrowers

Borrow with confidence from a MinLaw-authorised moneylending pilot firm. Lending Bee® is proud to be a licensed moneylender with over 9,000 positive Google reviews across our four branches in Singapore.


Explore All 9,000+ Reviews

How To Receive Your Loan In 3 Simple Steps

Apply securely using Singpass and receive your loan quickly with a simple and transparent process.

Apply Online with Singpass

Submit your application in minutes through our mobile app or website using secure Singpass integration for fast data retrieval.

Receive Instant In-principle Approval

Get an outcome on your application, including your eligible loan amount and repayment terms, in as little as 30 minutes.

Complete Verification & Receive Funds

Visit any of our branches for identity verification and contract signing, then receive your loan disbursement promptly.

Apply Now

FAQs About Money Lending Services in Singapore

Here are answers to some of the questions our clients ask most often. We hope you find what you need here.

Why choose Lending Bee® as a licensed moneylender in Singapore?

Lending Bee® is a premier money lender in Singapore and is 1 of only 6 firms hand-picked for the Ministry of Law’s New Business Model (NBM) Pilot Scheme.

  • Government-Vetted: Selected from 38 applicants for elite regulatory compliance and S$1 million capital stability.
  • Advanced Technology: We utilise Singpass MyInfo and a proprietary mobile app for faster, secure, and paperless loan processing.
  • Elite Authority: Our Pilot status allows us to offer more flexible credit solutions and higher borrowing limits than standard shops.

What are the benefits of using the Lending Bee® mobile app for loan management?

Our Lending Bee® personal loan app is a key part of our Pilot Scheme status, designed to provide a transparent and efficient borrowing experience.

  • Instant Management: View your loan balance, check application status, and retrieve account statements in seconds.
  • Smart Reminders: Set automated repayment notifications to manage your budget and avoid late fees.
  • Exclusive Rewards: Earn points for timely repayments, redeemable for NTUC vouchers and lower interest rates.

What is the difference between a bank and a licensed moneylender in Singapore?

While banks are suitable for large, long-term debt, a money lender in Singapore offers superior speed and flexibility for urgent, short-term needs.

  • Approval Speed: We offer 30-minute approvals, whereas banks can take 1–2 weeks.
  • Credit Flexibility: We evaluate each applicant’s current ability to repay, welcoming those with poor credit who may be rejected by banks.
  • Loan Tenure: Our terms are designed for shorter, manageable cycles (up to 35 months), helping you stay debt-free faster.

For faster approval and simpler requirements, you can consider applying for a personal loan in Singapore through a licensed moneylender.

How much can I borrow from a licensed moneylender in Singapore?

The maximum loan amount for unsecured loans in Singapore is regulated by the Ministry of Law and depends on your annual income:

Borrower’s annual incomeSingapore Citizens and Permanent ResidentsForeigners residing in Singapore
Less than S$10,000S$3,000S$500
At least S$10,000 and less than S$20,000S$3,000S$3,000
At least S$20,000Up to 6 × your monthly incomeUp to 6 × your monthly income

Reference: Ministry of Law (Registry of Moneylenders), Singapore. These limits apply across all licensed moneylenders combined, not per individual lender.

If you are looking to manage multiple debts, you may also consider a debt consolidation plan in Singapore to simplify your repayments.

What are the eligibility criteria for a personal loan?

To apply for a loan from a licensed moneylender in Singapore, you must meet the following basic requirements:

  • Age: At least 21 years old.
  • Residency: Available to Singaporeans, Permanent Residents (PRs), and Foreigners with valid work passes (e.g. Work Permit, S Pass, Employment Pass).
  • Proof of Income: Having supporting documents such as payslips or bank statements

Approval is subject to the lender’s assessment and your ability to repay the loan.

If you meet the basic requirements, you can proceed with our personal loan application for a faster assessment.

What documents are needed to apply for a personal loan in Singapore?

The required documents may vary depending on your profile:

For Singaporeans / PRs:

  • NRIC (identity verification)
  • Proof of income (CPF statement or bank statements)

For Foreigners:

  • Valid work pass (Work Permit / S Pass / Employment Pass)
  • Proof of residence (e.g. utility bill or tenancy agreement)
  • Proof of income (payslips or bank statements)

If you apply using Singpass, some information can be retrieved automatically, allowing you to complete your online loan application more quickly with a simplified verification process.

What are the legal interest rates and fees for licensed moneylenders in Singapore?

Licensed moneylenders in Singapore must follow strict caps set by the Ministry of Law:

  • Interest Rate: Up to 4% per month on the outstanding principal.
  • Late Interest: Up to 4% per month on the overdue amount only.
  • Late Fee: Up to S$60 per month.
  • Administrative Fee: Up to 10% of the principal (charged once upon loan approval).

The total cost of the loan (excluding principal) cannot exceed 100% of the loan amount.

Can I apply for a loan with a bad credit score?

Yes, some licensed moneylenders in Singapore may consider applicants with lower credit scores.

Approval depends on:

  • Your current income
  • Existing financial commitments
  • Ability to repay the loan

Each application is assessed individually, and approval is not guaranteed.

If you have past credit challenges, you may consider exploring a tailored bad credit loan in Singapore that fits your current situation.

How fast is the loan application and disbursement process in Singapore?

The loan process with a licensed moneylender in Singapore is typically fast and straightforward:

  • Application: Completed online in a few minutes.
  • Approval: In-principle approval may be provided within 30 minutes.
  • Disbursement: Funds are released after in-person verification and contract signing.

If you require urgent funds, you may explore our instant fast cash loan for quicker access.

Where are Lending Bee®’s branches located in Singapore?

We operate four strategic branches across the island, all conveniently located near major MRT stations to facilitate your mandatory face-to-face verification.

  • Orchard: Located at Far East Plaza (near Orchard MRT).
  • Yishun: Located at Yishun Central 1 (near Yishun MRT).
  • Bedok: Located at Bedok North Street 1 (near Bedok MRT).
  • Jurong East: Located at Jurong Gateway Road (near Jurong East MRT).

All branches are open Monday to Saturday (11:00 am – 8:00 pm) and Sunday (10:00 am – 6:00 pm), and are closed on public holidays.

Visit any of our branches for assistance and in-person verification. You can explore all locations on our
👉 licensed money lender locations in Singapore.

Why do I need to visit your branch to get my loan?

Under the Moneylenders Act, it is a legal requirement to have a face-to-face meeting at the lender’s registered office.

  • Security: This prevents identity theft and ensures your personal data remains secure.
  • Legal Compliance: Our officers must explain the contract terms in a language you understand before you sign.

What are the repayment options and how can I track my loan?

Lending Bee® provides structured repayment options designed to help you manage your loan clearly and consistently.

  • Monthly Instalments: Repay your loan through fixed monthly instalments aligned with your income cycle.
  • Digital Payment Modes: Make repayments conveniently via bank transfer or PayNow through your preferred banking platform.
  • Loan Tracking via Mobile App: Use the Lending Bee® mobile app to check your remaining balance, view repayment history, and receive reminders for upcoming payments.

You can also use our loan repayment calculator to estimate your monthly instalments before applying.

Are there any penalties for early loan settlement?

No. Lending Bee® does not charge penalties for early repayment.

  • Pro-rated Interest: You only pay interest for the time you actually use the funds.
  • Cost Savings: Settling early helps you save on total interest costs and rebuild your credit faster.

How do I verify if a licensed moneylender in Singapore is legitimate?

To verify whether a moneylender is licensed in Singapore:

  • Check the official Registry of Moneylenders on the Ministry of Law website.
  • Confirm the company name and licence number match the listing.
  • Ensure the loan is processed at a registered business address.

Licensed moneylenders will not contact you through unsolicited SMS, WhatsApp, or social media.

You can also read our guide on how to identify loan scams in Singapore to better protect yourself.

Discover More: Licensed Moneylending & Financial Guides

Equip yourself with the latest insights on regulated money lending in Singapore. Our expert-led financial guides help you navigate personal credit, debt management, and legal borrowing with absolute confidence.

Loan consultant explaining the fast cash disbursement process to a borrower at a licensed moneylender in Singapore

How Fast Can a Licensed Moneylender Get Me Cash?

Borrower viewing online reviews while researching whether licensed moneylender reviews in Singapore are trustworthy

Are Online Moneylender Reviews in Singapore Trustworthy?

Comparison between using a loan comparison site and applying directly to a licensed moneylender in Singapore

Loan Comparison Site or Direct Moneylender: Which Is Better?

Borrower receiving same-day loan approval from a licensed moneylender in Singapore

Same-Day Loan Approval in Singapore: How It Works

How-Much-Can-I-Borrow-From-A-Licensed-Moneylender-In-Singapore-Lending-Bee-

How Much Can I Borrow From A Licensed Moneylender In Singapore?

Loan officer explaining the licensing process for licensed moneylenders in Singapore during a borrower consultation

How Do Money Lenders Get Licensed in Singapore?

Borrow with Confidence from a Leading Money Lender in Singapore Since 2018

Lending Bee is a Ministry of Law-licensed money lender in Singapore, providing transparent and responsible loan solutions for over 8 years. Apply with clarity and confidence.

Apply For Loan
Lending Bee