Acredit review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Acredit suits Singapore borrowers who need a licensed direct lender and cash quickly. Borrowing runs from SGD 500 to SGD 500,000 over terms of 1 to 12, and the Registry of Moneylenders licence number is 69/2026. Compare carefully on early repayment, which is not free.

Key facts

Best for
Fast, licence-checked personal loans in Singapore
Loan amount
SGD 500 to SGD 500,000 (Source, checked September 26, 2026)
Term
1 to 12 months (Source, checked September 26, 2026)
Funding time
Same-day: approval within 24 hours, cash collected at branch in 15 minutes (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
Over 21 years old, Singapore Citizen, Permanent Resident or valid visa, annual income of at least S$10,000 (Source, checked September 26, 2026)
Loan types
Personal, Payday, Business, Debt-consolidation (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Accredit Pte Limited (Source, checked September 26, 2026)
Headquarters
Singapore (Source, checked September 26, 2026)
Support channels
Phone, Email (Source, checked September 26, 2026)
Features
Same-day funding
Official website
accreditloan.com

Pros and cons

Pros

  • Direct lender, so Accredit Pte Limited decides the terms itself rather than passing you on
  • Same-day funding: approval within a day and cash collected at a branch quickly
  • Works for borrowers with poor credit, per poor
  • Spans personal, payday and business, including personal, payday, business and debt consolidation

Cons

  • Free early repayment: no, so settling early carries a cost
  • Repayment terms are short at 1 to 12
  • Support runs on phone and email only, so chat is not among its support channels
Acredit

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Scored 8.7 / 10 by BorrowCue.

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Who it suits

  • Singapore citizens and permanent residents who need money the same day
  • Borrowers with a thin credit file who still want a licensed direct lender
  • People consolidating several debts into one payment

Who should look elsewhere

  • Anyone planning to clear the loan early without a fee
  • Borrowers wanting a long repayment period
  • People who need chat rather than the phone and email in phone and email

Safety and regulation

Acredit is a direct lender, so the money comes straight from the named company. It appears on the Registry of Moneylenders run by the Ministry of Law in Singapore under licence number 69/2026, which is the check worth making before you sign. You apply as an adult, and lending is limited to Singapore citizens, permanent residents and visa holders.

Who runs it

The lender is Accredit Pte Limited, based in Singapore, and it lends under its own name. Contact runs through phone and email, so a phone call or email reaches the same company that holds the Registry of Moneylenders licence number 69/2026. Applications go through branches, which is where same-day cash is collected.

How Acredit compares

Where Acredit is available

Available
Singapore
Licence in Singapore
Registry of Moneylenders (Ministry of Law, Singapore) (69/2026), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much can I borrow from Acredit?+

Loans run SGD 500 to SGD 500,000, so the size you can take is wide. Requests sit well above the site median of €876.96, and Acredit ranks high on loan amount among the brands listed. Approval still depends on the income requirement in the eligibility criteria.

How long do I have to repay?+

Terms run 1 to 12, which is shorter than most personal loans on the site, where the median term is 36 months. That shape suits a short, expensive gap rather than borrowing for years. A longer repayment would need another lender.

Can I repay the loan early without a fee?+

Free early repayment is no. If you expect to clear the balance once your income improves, this is the point to weigh first. Lenders that allow free early repayment are the more common pattern on the site.

How fast do I get the money?+

Same-day funding is offered, with approval within a day and cash collected at a branch in minutes. That is faster than the typical turnaround on the site. It suits an emergency bill you cannot postpone.

Is Acredit regulated in Singapore?+

Yes. It appears on the Registry of Moneylenders under the Ministry of Law in Singapore, with licence number 69/2026. Check that number against the registry before you sign, since a licensed lender is easier to trace than an intermediary.

Who can apply?+

Applicants must be adults, and either a Singapore citizen, permanent resident or holder of a valid visa. You also need an annual income above the stated minimum. Credit history matters less here, as poor is poor.

How do I contact them?+

Through phone and email, so phone and email are the routes. There is no chat or help centre listed, which matters if you prefer written support on a document. Branch visits are the route used for collecting same-day cash.

What can I use the loan for?+

Home improvement is the stated use case, alongside the wider personal, payday and business it offers. Personal, payday, business and debt consolidation lending are all available, so the same lender can handle a consolidation or a business need.

Sources

  • accreditloan.com checked September 26, 2026

    Backs: Credit needed, Legal entity, Lender type, Loan types, Licences

    “Even if you have a low credit score or existing loans, we may assess your application based on your current financial stability and repayment ability”

  • accreditloan.com/fast-cash-loans checked September 26, 2026

    Backs: Features, Funding time

    “Accredit provides fast cash loans in Singapore with same-day approval, flexible repayment terms, and low interest rates under 4%”

  • accreditloan.com/money-lender-tampines checked September 26, 2026

    Backs: Support channels

    “Telephone 6219 2662 (Yishun) 6226 2662 (Tampines) 6245 2662 (Hougang) 6261 2662 (Jurong); Email: General”

  • accreditloan.com/personal-loan checked September 26, 2026

    Backs: Loan amount, Eligibility, Free early repayment, Term, Use cases

    “We provide personal loans from S$500 to S$500,000”

  • accreditloan.com/terms-conditions checked September 26, 2026

    Backs: Headquarters

    “Accredit Moneylender is located at: 503 Tampines Central 1 #01-315, Singapore 520503”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Arrangement fee, Credit check, Representative example.

Acredit

Acredit

Fast, licence-checked personal loans in Singapore

8.7/10See alternatives

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