Why Choose Us?

AR Credits Licensed Money Lender is at the forefront of the money lender industry in Singapore. Beating the competition with never seen before interest rates coupled with the most flexible repayment plans.

Our Credit Solutions

We all know that life can throw unforeseen hurdles and emergency at you when you least expected it. Regardless of the financial knot you find yourself in, our credit solutions ensure that you can get the financial help whenever possible and the quickest possible.

What Makes Us Different?


As a licensed and legal moneylender with the Ministry of Law (MinLaw), AR Credits strive to provide the finest loan financing within the shortest time period possible. 

Out of 158 licensed money lenders, we take pride to be chosen by the Ministry of Law to kickstart alternate loan models for money lending. With that being said, you can be confident that only your interests are what matters most to us.

Adhering strictly with Moneylenders Act and Rules, making sure that you are in safe hands, all credible licensed money lenders will be sure to ask you for proof of proper identification. We will never ask for any usernames or passwords and everything is signed in person – never over the phone.

What Can We Help You With?

Being one of the most trusted licensed moneylenders in Singapore, AR Credits licensed money lender goal is to aid all our clients financially. Our passionate team of financial consultants who are well-trained in the money lenders industry strive to deliver the best possible cash loan solutions by understanding and tailor-made to your unique needs.

No matter what your financial predicament is, whether you need to pay for your vehicle installment with our personal loan or just looking for a quick payday loan to overcome your short term needs,

AR Credits moneylender is the name you can trust, with our proven track record with efficiency and transparency. We have managed to bring us an unmatched status of being highly reliable in the money lender industry in Singapore.

Loan Requirements

Photocopy of NRIC (front and back)

Latest payslips (3 months)

Proof of billing

ACRA for Businesses

Valid work permit for Foreigners

Advisory Note

The Ministry of Law Singapore has implemented strict rules and regulations with Licensed Moneylenders. To complete the loan process from Licensed Moneylenders, you are required send via emails or through online application in their website.

If you ever receive any loan offers via WhatsApp or SMS or Facebook or Random Social platform from any person claiming to be from AR Credits and request to meet at other locations or willing to direct transfer money to your account without meeting you in person or your consent.

Please do not send any money, ignore them and do file a report asap to the following options as they are unlicensed/illegal money lenders aka loan sharks:

1. To provide Police information on loansharking activities, members of the public can call the Police Hotline at 1800-255-0000 or to dial ‘999’ if urgent assistance is required.

2. Alternatively, persons who may not want to approach the Police directly may call the National Crime Prevention Council’s (NCPC) ‘X Ah Long’ Hotline at 1800-924-5664 (1800-X-AH-LONG) (9am to 5pm from Mondays to Friday) to provide the information which will be channelled to Police to assist us with our investigations. All information will be kept strictly confidential.