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Acredit review

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

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Our verdict

Acredit lends in Singapore for fast cash rather than long borrowing, with terms of 1 to 12 and approval within a day. It suits adults in Singapore with a minimum income and a poor credit profile who need money today.

Key facts

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

Facts checked September 26, 2026, 5 sources

Pros and cons

Pros

  • Same-day funding is a listed feature (same day funding), with approval within a day and cash collected at a branch in minutes.
  • Loan amounts run SGD 500 to SGD 500,000, so a small emergency sum and a larger project cost are both in scope.
  • It appears on the Registry of Moneylenders run by Singapore's Ministry of Law under licence 69/2026.
  • Loan types cover personal, payday and business, with home improvement a stated use for the money.

Cons

  • Free early repayment: no, so a borrower who plans to settle the balance sooner than the term runs has no fee-free route.
  • Terms run 1 to 12, which means a larger sum has to clear quickly.
  • Support runs on phone and email, with no live chat or app messaging listed.
Acredit

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Scored 8.7 / 10 by SumCue.

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Who it suits

  • Adults in Singapore with a minimum annual income, including citizens, permanent residents and holders of a valid visa.
  • Borrowers holding a poor credit profile who would be turned away elsewhere.
  • Anyone who needs cash handed over in person at a branch the same day.

Who should look elsewhere

  • Cashspace, for a borrower who wants to borrow in Philippine pesos rather than in SGD 500 to SGD 500,000.
  • Creduma ES, for euro borrowing that starts at a much higher floor, from €12,000.
  • Sofkredit, for a euro loan that runs to €12,000 to €300,000 over longer terms than 1 to 12.

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, and for how long?+

Loans run SGD 500 to SGD 500,000 in Singapore dollars across personal, payday and business lending, and the term runs 1 to 12. Home improvement is a stated use for the money. It is a direct lender (direct lender) rather than a broker, so the terms you accept are the terms you hold.

Who can apply for an Acredit loan?+

Applicants must be adults who are Singapore citizens, permanent residents or hold a valid visa, and who earn a minimum annual income. The company is based in Singapore (SG) and lends in that single market only, so applicants elsewhere cannot be served.

How quickly can I get money from Acredit?+

Same-day funding is a listed feature (same day funding). The stated timing is approval within a day of applying, with cash collected at a branch in minutes once a decision is made. Collection is in person at the branch rather than a transfer to an account, so plan the visit accordingly.

Is Acredit regulated in Singapore?+

Acredit is listed on the Registry of Moneylenders run by Singapore's Ministry of Law under licence 69/2026, and operates in Singapore (SG). It is a direct lender, so the loan agreement is with the company you apply to.

Can I repay an Acredit loan early without a charge?+

Free early repayment: no. That is marked as a no on the personal loan, so there is no fee-free early settlement route. Borrowers who expect to clear a balance sooner than 1 to 12 should read the repayment terms before signing.

What credit history do I need for an Acredit loan?+

Acredit targets a poor credit profile, so a weak credit file sits in scope rather than ruling an application out. Eligibility turns on age, Singapore residency and a minimum annual income. Applicants should expect their file to be looked at during the assessment.

How do I get in touch with Acredit?+

Support runs on phone and email, so phone and email are the listed routes to reach them. The legal entity behind the lending is Accredit Pte Limited, and the branch network is where the fast cash product is collected, so a visit can handle both.

How does an Acredit loan compare with a peso or euro loan?+

Acredit lends in Singapore dollars with amounts of SGD 500 to SGD 500,000 and terms of 1 to 12. Cashspace works in Philippine pesos from PHP 500 to PHP 25,000, while Creduma ES and Sofkredit lend in euros from from €12,000 and up to €12,000 to €300,000. The currencies and markets differ, so the figures do not line up.

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

Short-term cash in Singapore with same-day approval and collection at a branch.

8.7/10See alternatives