Official site of Lending Bee Pte. Ltd. | Licence No. 41/2026.
Official site of Lending Bee Pte. Ltd. | Licence No. 41/2026.
Find answers to common questions about borrowing with Lending Bee®.
You can apply for a loan with Lending Bee® online in just a few simple steps. Start by submitting your application through our website and providing the required information. Our team will review your application and contact you regarding the next steps.
If your application receives an in-principle approval, you will be required to visit one of our branches for identity verification and to review the loan contract. Once all requirements have been completed and the loan agreement has been signed, the approved loan amount can be disbursed.
Yes. Lending Bee® allows you to submit your loan application online from the comfort of your home. You can provide your personal details and supporting information through our online application form at any time.
However, under Singapore regulations, borrowers must still complete a face-to-face verification and sign the loan contract in person at a licensed money lender’s registered office before funds can be disbursed.
Yes. While you can begin the application process online, all borrowers are required to visit a Lending Bee® branch before the loan can be approved and disbursed.
During your visit, our staff will verify your identity, explain the loan terms and conditions, answer any questions you may have, and ensure that you fully understand your repayment obligations before signing the loan agreement.
During your branch appointment, a Lending Bee® loan officer will verify your identity and supporting documents, confirm the information submitted in your application and complete the required loan assessment.
If your application is approved, the loan officer will explain:
The terms will be explained in a language that you understand. You should ask questions about anything that is unclear and read the contract carefully before signing.
Visiting a branch does not require you to accept the loan. Funds will only be disbursed after the required checks have been completed and you have agreed to and signed the loan contract.
Before signing a loan contract, make sure you understand the full cost of the loan and can afford the required repayments.
You should check:
Do not sign the contract if any term is unclear. Ask the loan officer to explain it in a language that you understand, and ensure that you receive a copy of the signed loan contract.
The time required for approval depends on factors such as the completeness of your application, document verification, and assessment of your eligibility.
In many cases, applicants may receive an in-principle approval on the same day after submitting the necessary information. Our team aims to process applications as efficiently as possible while ensuring responsible lending practices.
If you have recently submitted a loan application and would like to check its status, you may contact Lending Bee® directly.
Our team will be able to provide an update on your application and advise if any additional information or documents are required.
Once your application has been approved, your identity has been verified, and the loan agreement has been signed, the approved loan amount may be disbursed on the same day.
The exact timing may vary depending on the complexity of the application, the completeness of the required documents, and the time of your branch appointment.
The documents required may vary depending on your residency status and employment situation. In general, you should prepare the following:
For Singapore Citizens and Permanent Residents (PRs):
For Foreigners:
Our loan consultants will advise you if any additional supporting documents are needed during the application process.
Yes. If you have multiple financing needs, you may discuss your situation with our loan consultants during the application process. Our team will assess your eligibility and recommend a suitable loan solution based on your financial circumstances and repayment ability.
All loan applications remain subject to Lending Bee®’s assessment criteria and Singapore’s borrowing regulations.
No. An in-principle approval is an initial assessment based on the information provided in your application. It is not a final loan approval or a guarantee that the requested amount will be granted.
Final approval is subject to identity and document verification, an assessment of your current financial circumstances and repayment ability, and compliance with Singapore’s licensed moneylending regulations.
Before any loan is disbursed, you must visit a Lending Bee® branch to complete the required face-to-face verification, review the loan terms and sign the loan contract.
Yes. Submitting an application or receiving an in-principle approval does not require you to accept the loan.
You may inform Lending Bee® that you do not wish to continue with the application at any time before you sign the loan contract and receive the loan.
Before accepting any loan, review the approved amount, amount disbursed, interest, applicable fees and repayment schedule carefully. Do not sign the contract if you do not understand or agree with its terms.
Yes. A low credit score or poor credit history does not automatically prevent you from applying for a loan with Lending Bee®.
Every application is assessed individually based on factors including:
However, submitting an application does not guarantee approval. Lending Bee® will review your overall financial circumstances and determine whether a suitable and manageable loan option is available.
Yes. You may submit an application even if you have an existing loan with Lending Bee®, a bank, another financial institution or another licensed moneylender.
However, having an existing loan does not guarantee that another loan will be approved. Lending Bee® will assess factors including:
Every application is assessed individually to ensure that any approved loan remains suitable and manageable based on your current financial circumstances.
The Moneylenders Credit Bureau, or MLCB, maintains information about borrowers’ loans and repayment records with licensed moneylenders in Singapore.
Before granting a loan, licensed moneylenders are required to obtain the applicant’s MLCB credit report. This helps the lender understand the applicant’s existing licensed moneylender loans, repayment record and overall borrowing commitments.
The report helps Lending Bee® assess whether the requested loan and repayments are suitable and manageable. Having an existing loan does not automatically mean that your application will be rejected, but it will be considered as part of the assessment.
You can learn more from the Registry of Moneylenders.
Yes. Lending Bee® provides foreigner loans for eligible foreign applicants working and residing in Singapore.
Applicants are generally required to hold a valid Work Permit, S Pass, Employment Pass, or other recognised pass, together with supporting documents such as proof of residence and income. Eligibility and loan approval are subject to assessment and verification.
There is no fixed minimum income requirement that applies to every applicant. Loan eligibility is assessed based on various factors, including your income level, employment status, existing financial commitments, and ability to repay the loan.
Our loan consultants will review your application and advise whether you meet the requirements for the loan you are applying for.
Yes. Self-employed individuals may apply for a personal loan with Lending Bee®.
Instead of traditional payslips, self-employed applicants may be asked to provide alternative documents to verify their income, such as bank statements, tax documents, business records, or other supporting evidence. Each application will be assessed based on the applicant’s financial circumstances and repayment ability.
Applicants must be at least 21 years old to apply for a loan with Lending Bee®.
In addition to meeting the minimum age requirement, applicants must satisfy Lending Bee®’s eligibility criteria and provide the necessary supporting documents during the application process.
Yes, you may submit another application if your financial circumstances or supporting information have changed.
However, submitting another application does not guarantee approval.
Before reapplying, consider whether there has been a meaningful change to factors such as:
Every application is assessed based on your circumstances and ability to repay at the time of review. Contact Lending Bee® if you are unsure whether you should submit another application.
Loan approval generally requires applicants to demonstrate a reliable source of income and the ability to meet repayment obligations.
If you are currently unemployed, you may still submit an enquiry to discuss your circumstances with our loan consultants. However, loan approval will depend on the assessment of your financial situation and supporting documentation provided.
The maximum amount you can borrow depends on your annual income and residency status.
For Singapore Citizens and Permanent Residents:
For Foreigners residing in Singapore:
The final approved loan amount will depend on your eligibility and financial circumstances.
Your borrowing limit is assessed based on Singapore’s licensed moneylending regulations and your individual financial circumstances.
Factors considered may include:
The amount you request is not necessarily the amount that can be approved. Lending Bee® may offer a lower amount if the requested amount exceeds the applicable borrowing limit or if a lower amount is considered more manageable based on your current financial circumstances.
You are not required to accept the amount offered. The approved principal, amount disbursed, interest, applicable fees and repayment schedule will be explained before you decide whether to sign the loan contract.
Under Singapore regulations, licensed money lenders may charge a maximum interest rate of 4% per month, regardless of the borrower’s income level.
Interest can only be charged on the outstanding principal amount of the loan and must be clearly stated in the loan contract before you sign the agreement.
Licensed money lenders in Singapore may only charge fees permitted under the law.
These include:
All fees and charges must be disclosed to you before you sign the loan agreement.
No. Under Singapore regulations, late interest may only be charged on the overdue amount that remains unpaid.
Licensed money lenders cannot apply late interest to portions of the loan that are not yet due for repayment.
Loan repayments are calculated based on factors such as the approved loan amount, repayment tenure, and applicable interest charges.
Before you sign the loan agreement, Lending Bee® will explain your repayment schedule, monthly instalment amount, and total repayment obligations so that you can make an informed decision.
To get an estimate of your monthly instalments, you can use our loan calculator before submitting your application.
Lending Bee® offers various repayment methods for your convenience. Available payment options may vary depending on your loan arrangement and branch location.
Our loan consultants will explain the available repayment channels and provide the necessary payment instructions when your loan is approved.
Yes. You may repay your Lending Bee® loan before the end of the agreed loan tenure, and there is no early-settlement penalty.
Please contact Lending Bee® to request your latest settlement amount before making payment. The settlement amount will be calculated based on your outstanding loan balance and any interest or permitted charges payable up to the settlement date.
Once full payment has been received, you may request confirmation that your loan has been fully settled and your account has been closed.
Depending on your loan arrangement, you may be able to make partial repayments towards your outstanding balance.
If you wish to make additional payments outside your scheduled instalments, please contact Lending Bee® for assistance. Our team can advise how the payment may affect your remaining loan balance and repayment schedule.
If you would like to check your outstanding balance or obtain information about your loan account, you may contact Lending Bee® directly.
You may also use the Lending Bee® loan app to manage your loan details and access useful account information more conveniently.
Our team will assist you with your enquiry and provide the relevant information regarding your loan status and repayment obligations.
Contact Lending Bee® as soon as possible if you expect difficulty making an upcoming repayment.
Early communication allows our loan officer to understand your situation, review your current financial circumstances and explain any options that may be available under your loan agreement.
When contacting us, be prepared to provide:
Any alternative repayment arrangement is subject to assessment and approval. A request does not guarantee that your repayment amount, payment date or loan tenure will be changed.
Continue following your existing repayment schedule unless Lending Bee® formally confirms a revised arrangement. Delaying repayment or communication may result in additional permitted charges and could affect your repayment record and future borrowing eligibility.
If you miss a repayment, additional charges may apply in accordance with your loan agreement and Singapore’s licensed moneylending regulations.
These may include:
A missed repayment may also be reflected in your repayment record with the Moneylenders Credit Bureau and could affect future loan assessments. If the overdue amount remains unpaid, recovery or legal action may be taken in accordance with the loan contract and applicable law.
Contact Lending Bee® as soon as possible if you have missed a repayment. Our loan officer will assess your situation and explain any options that may be available.
For more information, please refer to the Registry of Moneylenders’ guidance for borrowers.
Taking another loan to repay an existing loan may increase your total borrowing cost and make your financial situation more difficult to manage.
Before borrowing again, review:
If you are already struggling with your repayments, contact Lending Bee® before taking on another loan. Our loan officer can assess your situation and explain any options that may be available.
You may also consider obtaining independent financial or debt counselling before deciding whether to borrow again.
You can verify Lending Bee® by checking the latest official list of licensed moneylenders published by Singapore’s Registry of Moneylenders.
Confirm that the following information matches the official listing:
Always use the contact information shown on Lending Bee’s official website or the Registry’s official list. Licensed moneylenders will not send unsolicited loan offers through SMS, WhatsApp or social media.
View the official list of licensed moneylenders in Singapore.
Yes. Licensed money lenders in Singapore operate under regulations administered by the Ministry of Law.
These regulations govern matters such as borrowing limits, interest rates, fees, loan contracts, advertising practices, and debt collection activities. Borrowers should only deal with licensed money lenders to ensure they receive the protections provided under Singapore law.
Some common warning signs of loan scams include:
If an offer appears suspicious, borrowers should exercise caution and verify the lender’s credentials before proceeding.
No. Lending Bee® will never ask for your Singpass password, internet banking password, or one-time password (OTP).
You should never share confidential login credentials with anyone, as doing so may expose your personal information and financial accounts to unauthorised access.
No. Borrowers should be cautious of anyone claiming to represent a licensed money lender and requesting upfront fees before a loan is approved.
If you receive such a request, you should verify the identity of the person and contact Lending Bee® directly using our official contact channels.
If you receive a suspicious call, message, email or social media communication claiming to be from Lending Bee®, do not provide personal information, account credentials or payment.
Lending Bee® will never:
Stop communicating with the sender and contact Lending Bee® through our official contact details to verify whether the communication is genuine.
If you believe you have encountered a scam, retain screenshots and other evidence and report the matter to the relevant authorities.
Licensed money lenders in Singapore are subject to advertising restrictions.
Borrowers should be cautious of unsolicited loan advertisements received through SMS, messaging applications, or other unofficial channels. Always verify that you are dealing with a legitimate licensed money lender before responding to any loan offer.
Yes. Lending Bee® takes reasonable measures to protect the personal information provided during your loan enquiry and application.
Your information is used for purposes such as verifying your identity, assessing your application, administering your loan and meeting legal or regulatory requirements.
Lending Bee® does not disclose your loan information to your employer, family members or personal contacts. Information may be disclosed where required by law or regulation, including reporting relevant loan and repayment information to the Moneylenders Credit Bureau.
For more information about how your data is collected, used and protected, please refer to our Privacy Policy.
When you choose to apply using Singpass or MyInfo, Lending Bee® may receive the following information that you authorise for the purpose of processing and assessing your loan application:
You will be shown the requested information during the Singpass consent process before deciding whether to share it.
Lending Bee® will never ask for your Singpass password or one-time password. Information received through Singpass or MyInfo is used for identity verification, application assessment and compliance with applicable legal and regulatory requirements.
No. Lending Bee® does not contact your employer, family members, emergency contacts or personal references as part of its loan application assessment.
Your application and loan information are handled confidentially. Where verification is required, Lending Bee® will assess the information and supporting documents that you provide, together with information obtained through authorised and regulated sources.
Relevant loan and repayment information will be submitted to the Moneylenders Credit Bureau as required under Singapore’s licensed moneylending regulations.
If your loan application is unsuccessful, the information provided during your application will continue to be handled confidentially and securely.
You may contact Lending Bee® to request the deletion of your application information. Any request will be handled subject to applicable legal, regulatory and record-keeping requirements.
For more information or to submit a data-related request, please refer to our Privacy Policy.
Lending Bee® takes reasonable administrative, technical and security measures to protect applicants’ and borrowers’ personal information against unauthorised access, use, disclosure or loss.
Access to personal information is limited to authorised purposes, including application assessment, identity verification, loan administration, customer support and regulatory compliance.
You should never share your Singpass password, banking password or one-time password with anyone. Lending Bee® will never ask you to provide these passwords.
No. Lending Bee® does not mail loan documents or loan information to your residential address.
Your loan information is provided through Lending Bee’s approved digital, account or in-person communication channels. You will also receive a copy of your loan contract after signing it.
Please ensure that your contact details remain accurate so that you can receive important information about your application and loan account.
Lending Bee® does not share your loan information with your employer, family members or personal contacts.
Information may be submitted to the Moneylenders Credit Bureau or disclosed to regulators and authorities where required under Singapore law and licensed moneylending regulations.
The Moneylenders Credit Bureau maintains information about borrowers’ loans and repayment records with licensed moneylenders. You can learn more from the Registry of Moneylenders.
For more information about how Lending Bee® uses and discloses personal information, please refer to our Privacy Policy.
If your telephone number, residential address, email address, employer, employment status or other important personal information changes during your loan tenure, please contact Lending Bee® as soon as possible.
Our team will explain what information or supporting documents are required to update your account.
Keeping your details accurate helps ensure that you receive important information about your repayment schedule, loan account and any action you may need to take.
Once the full settlement amount has been received and there are no outstanding obligations, your loan account will be closed.
You should retain your repayment receipts, statements of account and any confirmation of full settlement for your records. You may contact Lending Bee® if you require confirmation that your loan has been fully repaid or need a copy of your repayment records.
Your completed loan and repayment information may continue to be maintained by the Moneylenders Credit Bureau in accordance with applicable requirements.
Yes. You will receive a copy of your loan agreement after signing it.
Keep the agreement for your records and check that it clearly states your approved loan amount, amount disbursed, repayment schedule, interest, applicable fees and other loan terms.
If you lose your copy or require another copy, you may contact Lending Bee® for assistance.
Lending Bee® has branches in Orchard, Yishun, Bedok and Jurong East.
You may state your preferred branch when submitting your application. However, the branch confirmed for your appointment may depend on your application and appointment availability.
Please attend the branch confirmed by our team. If you would like to request a different branch, contact Lending Bee® before your appointment so that our team can check whether the change can be accommodated.
View the contact details, addresses and operating hours for all Lending Bee® branches.
Appointments are recommended to help minimise waiting time and ensure that our loan consultants are available to assist you.
You may contact Lending Bee® before visiting to arrange a suitable appointment time.
All Lending Bee® branches operate during the following hours:
If you are planning to visit a branch, we recommend scheduling an appointment in advance to minimise waiting time and ensure our loan consultants are available to assist you.
