Cash advance Loan
101/2026
MinLaw licence number — check it on the registry
Your paydate
Repayment timed to when your salary lands
Automatic
Deducted by GIRO — nothing to remember
Rating 4.9
From 624 Google reviews — pull live from GBP
What you are applying for
A short advance, repaid on the date your salary arrives
A cash advance loan lets you get some cash on a rainy day and pay it back on your next payday. It is the smallest product we offer and the shortest, and for most of our regular customers it is the only one they ever need.
Repayments are usually arranged by GIRO. You tell us your paydate, we set the deduction to match it, and the money comes out automatically once the salary is in. Nothing to diarise, and no charge triggered by a date you forgot.
That is the real saving. Most of the money people lose on short borrowing is not interest — it is the additional charges that stack up when a payment date slips past unnoticed.
A cash advance is designed to be cleared in one cycle. If you find yourself rolling it into the next month, call us. A longer personal loan on a proper schedule will almost always cost you less.
At a glance
Security required
None
Fee to apply
None
repayment
One deduction on your paydate
Method
GIRO, bank transfer or at the office
Interest cap (by law)
4% / month
Early settlement penalty
none
Fee caps are set by the Moneylenders Act and apply to every licensed lender in Singapore. Anyone quoting you more is breaking the law.
Read this first
Three things to weigh before applying for emergency funds
01
You nominate the paydate
Not us. Whether your salary lands on the 25th, the last working day or weekly, the deduction is set to follow it rather than a calendar date that suits the lender.
02
GIRO does the rest
Once the mandate is set up, the repayment comes out of your nominated account automatically. If you would rather transfer manually or pay at the office, both work — but GIRO is what removes the risk.
01
Settling early costs nothing
There is no penalty for clearing the advance ahead of your paydate. Licensed moneylenders are not permitted to charge one, so paying early simply saves you interest.
why borrowers choose us
The smallest product we offer, and the one we are strictest about
What borrowers tell us made the difference, in their words more than ours.
Timed to your salary
The repayment lands after payday, not before it. That one detail is why most of our advances clear without a single reminder.
Fast cash when it counts
Banks usually take one to two weeks. We can often approve within the hour and disburse the same day, which matters when the deadline is tomorrow.
Responsible lending
We only lend what you can afford to repay. Sometimes that means offering less than you asked for, or telling you a loan is not the right answer.
Flexible repayment terms
If your paydate changes or your employer shifts the cycle, tell us and we move the deduction. That conversation costs nothing.
Flexible repayment terms
If your paydate changes or your employer shifts the cycle, tell us and we move the deduction. That conversation costs nothing.
A licensed lender, verifiable
Licence No. 101/2026, listed on the Ministry of Law registry, with a landline and a shopfront you can walk into.
Borrowing every month?
That is a sign the product is wrong, not that you need a bigger advance. Call and we will talk through the alternative.
three steps
How to apply for a cash advance
step one
Apply online or walk in
Fill in the form here, or come to the Jurong East office. Either takes about five minutes.
step two
Speak to a loan officer
We call you back, usually within the hour during opening hours, and tell you exactly what to bring.
step three
Sign and collect
Identity and income verified, contract signed, money the same day by cash or cheque.
One point worth being clear about
Singapore law requires every licensed moneylender to verify your identity face to face at their approved place of business before releasing any money. A loan approved and paid out entirely online is not permitted here. If someone offers you that, they are not licensed.
Frequently Asked Questions?
Cannot see your question? Call 6292 0119 during opening hours and ask a loan officer directly.
What is a cash advance loan?
A cash advance loan is a short-term loan that provides quick access to funds to help cover urgent or unexpected expenses. It can be used to manage temporary cash flow needs until your next income is received.
Who can apply for a cash advance loan?
Singapore Citizens, Permanent Residents, and eligible foreigners who meet the lending requirements can apply. All applications are assessed based on eligibility, income, and repayment ability.
What documents are required to apply for a cash advance loan?
Applicants are generally required to provide valid identification, proof of income, proof of residence, and any additional documents requested during the application process to verify eligibility.
What can I use a cash advance loan for?
A cash advance loan can be used for emergency expenses, unexpected bills, household costs, vehicle repairs, medical expenses, or other short-term financial needs.
How do repayments work for a cash advance loan?
Repayments are arranged via GIRO — you indicate your payday, and the amount is automatically deducted, so you don’t need to remember the due date.
Apply Now
Fill in the form or call 6292 0119. Free consultation, no obligation, and a straight answer either way.