Golden Credit

What Golden Credit does

Golden Credit (S) Pte. Ltd. operates as a licensed moneylender in Singapore under license number 51/2015 issued by the Ministry of Law's Registry of Moneylenders. Founded in 2010, the company offers a menu of 15 loan products spanning personal loans, short-term and payday loans, emergency loans, business loans, foreigner loans, and purpose-specific loans for weddings, holidays, renovations, vehicle maintenance, moving expenses, angel-investment financing, credit preservation, debt consolidation, and miscellaneous needs. The underlying platform is a direct-to-consumer lending operation delivered through a single physical office at People's Park Centre (101 Upper Cross Street, #01-05F) in Singapore's Chinatown district, supplemented by an online application form, a phone inquiry line (+65 62241300), and an email channel ([email protected]); there is no mobile app, API, or proprietary technology stack disclosed.

The business model is interest-based unsecured consumer and SME lending, with statutory interest capped at 4% per month under Singapore regulation and marketed as competitive within that legal ceiling. Golden Credit serves three primary segments: Singapore citizens and permanent residents, foreign workers on valid Employment Pass or S-Pass, and Singapore SMEs; the company explicitly markets speed (30-minute to 24-hour approval), transparency (no hidden fees, no prepayment penalty), and accessibility to borrowers with weak credit or limited income as its principal differentiators. Loan tenor, ticket size, and underwriting criteria are not publicly disclosed; pricing is determined per applicant based on loan amount, tenure, and borrower profile. The company is privately held with no evidence of external institutional shareholders, venture or private-equity funding, M&A activity, partnerships, or auditor-disclosed financial statements in the source data, and ownership structure is a documented data gap.

Name

Golden Credit

Legal name

Golden Credit (S) Pte. Ltd.

Website

https://goldencredit.com.sg

Company type

Private

Founded year

2010

Operating status

Operating

Short description

Golden Credit (S) Pte. Ltd. is a Singapore-licensed moneylender (license 51/2015) operating since 2010, offering 15 unsecured personal, payday, business, and purpose-specific loans to consumers, SMEs, and foreign workers via a direct-to-consumer, multi-channel distribution model.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Sales Financing (52222)

SIC

Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Refund Anticipation Loans (RAL) & Tax Advance Credit (FSAKAMAH)

Keywords

• Licensed moneylending
• Personal loans
• Payday loans
• Debt consolidation
• Business loans

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Loan Interest Revenue: Golden Credit generates revenue through interest charged on various types of loans including personal loans, short-term/payday loans, business loans, debt consolidation loans, and other specialized loans. Interest rates are competitive and within the legal cap of 4% per month as regulated by the Ministry of Law.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

Golden Credit (S) Pte. Ltd. is a Singapore-licensed moneylender that provides a suite of 15 loan products to individuals and SMEs, including personal loans, payday/short-term loans, emergency loans, foreigner loans, business loans, and debt consolidation. Loans are disbursed with rapid approval (within 30 minutes to 24 hours) at interest rates capped at 4% per month under Singapore's Ministry of Law regulations.

Product overview

Golden Credit (S) Pte Ltd is a licensed money lender in Singapore offering a comprehensive suite of 15 loan products. The portfolio includes personal loans, short-term/payday loans, business loans, and specialized loans (renovation, wedding, holiday, vehicle maintenance, moving expenses, angel investor, credit preservation, debt consolidation, and foreigner loans). Services are available to Singapore citizens, permanent residents, and foreigners with valid work passes. The company positions itself as a quick-approval lender with transparent terms and low interest rates, targeting individuals and SMEs facing financial emergencies or seeking personal/business financing.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Loan

Quantifiable outcome

• 50,000+ customers served
• +2 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators5 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• AEON Credit Service Asia: Singapore-listed consumer finance company providing personal loans, hire-purchase, and shariah-compliant financing. Overlaps with Golden Credit on personal/short-term lending to mass-market and sub-prime consumers in Singapore and Malaysia.
• CRS Credit (Credit 21 / CashHouse): Singapore licensed moneylender offering personal, payday, and business loans. Directly comparable in licensing, product set, and target customer profile.
• MoneyMax Group: Singapore-listed (SGX) licensed moneylender offering personal, payday, and business loans. Closest comparable to Golden Credit as both are Ministry-of-Law-licensed lenders operating physical branches plus online channels in the same Singapore market.
• Cash Mart (1st Credit): Long-standing Singapore licensed moneylender with multiple branches and a similar product mix (payday, personal, business loans). Comparable in target customer, regulatory standing, and product breadth to Golden Credit.
• IFS Capital Group: Singapore-based non-bank financial institution providing SME and consumer financing. Comparable in serving SME borrowing needs that traditional banks underserve, overlapping with Golden Credit's Business Loan product.

Broad incumbents

• OCBC Bank: Major Singapore incumbent bank with personal loan and SME products serving the same end-borrower pool as Golden Credit, although typically stricter on credit profile and slower on approval.
• Hong Leong Finance: Singapore-listed finance company offering personal loans, deposits, and hire purchase. Represents the broader deposit-taking finance-company segment that competes with licensed moneylenders for the same consumer credit demand.
• DBS Bank Singapore: Singapore's largest bank offering cashline, personal loans, and SME financing at regulated prime rates. Competes with Golden Credit for the same consumer and SME borrowing needs but from a deposit-funded, prime credit position.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Golden Credit