Apply for a Loan with
BST Credit

After you submit the form, BST Credit will review your application details and contact you for the next step if more information or documents are needed.

If your application can proceed, our officer will explain the loan amount, repayment schedule, interest and fees before you sign the loan contract.

If you have already submitted your application through Singpass, you do not need to submit the same details again through this form.

However, if you need to update your contact details, preferred loan amount or loan type, you may submit the form again or contact BST Credit directly for assistance.

If you have submitted your application but have not received a message or call, please check that your contact number was entered correctly and that your phone can receive calls or WhatsApp messages.

You may also contact BST Credit directly during operating hours to check on your application status.

Yes. For licensed moneylender loans in Singapore, borrowers must complete identity verification and contract signing before the loan is granted.

At BST Credit, approved borrowers visit our office to review the loan amount, repayment schedule, interest and fees before disbursement.

The documents required may depend on your income, residency status, employment type and loan type.

• NRIC or valid work pass
• Proof of income, such as payslips, CPF statements or bank statements
• Proof of address, if required
• Other supporting documents requested during application review

After you applied online, BST Credit can usually provide an in-principle update within 15 to 30 minutes during operating hours.

If your loan is approved, disbursement can be completed after you visit our licensed office for identity verification, contract review and signing. Approved funds are disbursed after the loan contract is finalised.

Applications submitted outside operating hours or on public holidays will be reviewed when our office reopens.

The amount you can borrow depends on your income, residency status, existing commitments and repayment ability. For unsecured loans, Singapore’s licensed moneylender borrowing limits are:

• Singapore Citizens and PRs earning less than S$10,000 a year: up to S$3,000
• Foreigners earning less than S$10,000 a year: up to S$500
• Borrowers earning S$10,000 to below S$20,000 a year: up to S$3,000
• Borrowers earning at least S$20,000 a year: up to 6 times monthly income

These are legal maximum limits, not guaranteed approval amounts. BST Credit will review your documents and repayment ability before offering a suitable loan amount.

No upfront fee should be paid before your loan is approved and disbursed.

Be careful if anyone asks you to transfer money first for “processing”, “unlocking”, “insurance” or “admin” before you receive the loan. BST Credit will explain any permitted fees clearly before you sign.

No. BST Credit’s personal loans are unsecured, so you do not need to pledge assets such as your home, car or other property.

A guarantor is not usually required for a standard personal loan application. Your application will be assessed based on factors such as your income, documents, existing commitments and repayment ability.

Yes. BST Credit handles loan applications and personal information with confidentiality.

Your details are used for loan enquiry, application review, verification, compliance and service-related purposes. We do not share your personal information with third parties without proper consent, unless required for legal, regulatory or operational reasons.

You should also avoid sharing your Singpass password, OTP, banking password or login details with anyone.