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About Us

EMVERTEX CREDIT is a Licensed Moneylender providing reliable financial solutions with more than a decade of experience and a commitment towards responsible lending practices.

Vision

To be Singapore’s leading and trusted financial partner in personal and business needs.

Mission

  • Providing accessible, flexible loan solutions tailored to unique financial needs.
  • Delivering transparent and exceptional customer support.
  • Continuously enhance our services through innovation.

Our Goal

To built long-lasting partnerships by empowering individuals and businesses through transparent and flexible loan system that makes every process faster and secure.
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ISO 27001:

Your Security is Our Priority

We are proud to be ISO 27001 certified, the international standard for managing information security. This demonstrates our unwavering commitment to protecting your personal and financial data.

Discover the Best Solutions for

Your Financial Needs

Business Loan

Our Business Loans provide entrepreneurs and companies with the funds to start, grow, or sustain their businesses.

These loans offer leverage for needs such as equipment purchases, facility expansion, hiring, or maintaining cash flow during slow periods. With flexible options like Term Loans, Working Capital Loans, and lines of credit, you can select the best solution to suit your needs.

Our competitive interest rates and structured repayment plans allow you to invest in long-term growth without immediate financial strain.

Business Loan

Personal Loan

Our Personal Loan offers a practical solution for financial stability, helping you manage various needs, from consolidating high-interest debts like credit card balances into a single payment, to covering unexpected emergencies.
With manageable repayment terms and no collateral required, our Personal Loan is available to a wide range of borrowers, providing flexibility to cover daily expenses or large purchases without dipping into your savings.
Personal Loan

Vacation Loan

Our Vacation Loan helps you fund your dream trips without straining your savings or disrupting your cash flow.
Whether it’s a quick getaway, an international adventure, or a long-awaited family gathering, our Vacation Loan provides upfront funds to cover travel, accommodations, and related expenses.
We offer affordable monthly payments, allowing you to manage your budget comfortably while enjoying your well-deserved vacation. With no collateral required, our Vacation Loan provides flexibility and peace of mind, letting you explore the world without financial worries.
Vacation Loan

Education Loan

Our Education Loan provides students with financial support to pursue higher education without the burden of upfront costs.
Whether for local or international studies, this loan covers tuition fees, books, accommodation, and other learning expenses. With low interest rates and flexible repayment plans, students can focus on their studies and begin repayments after graduation or upon securing employment.
Education Loan

Renovation Loan

Our Renovation Loan is designed to help homeowners upgrade their property without dipping into savings. Whether it’s remodeling rooms or making essential repairs, the Renovation Loan provides the necessary funds to transform your property.
With manageable, flexible repayment options and lower interest rates, you can confidently take on larger projects to turn your house into the home you’ve always dreamed of.
Renovation Loan

Wedding Loan

Our Wedding Loan provides financial support for couples to plan and host their dream wedding without compromising their vision.
Covering major expenses like venues, catering, photography, and honeymoon, our Wedding Loan offers fixed monthly installments and competitive interest rates, making it easier to manage costs and reduce financial strain during your special time.
Wedding Loan

Payday Loan

Our Payday Loan offers short-term financial support to help you bridge the gap between paychecks.
It provides quick access to small amounts of cash for immediate expenses, such as medical bills, utilities, or unexpected repairs. With repayment due on your next payday, this loan is a convenient solution to manage financial shortfalls while avoiding late fees or overdraft charges.
Payday Loan
Foreigner Loan
Our Foreigner Loan is designed to address the unique financial needs of expatriates in Singapore.
It offers quick, accessible funding with fast approval, especially for those who may face challenges securing loans from traditional financial institutions. This loan provides financial support for relocation expenses, emergencies, or personal needs, all with flexible terms and competitive interest rates.
Foreigner Loan

More than a Decades of Satisfied Clients

Here’s what our clients feel about us

We take pride in providing reliable financial solutions and exceptional services, with more than a decade of experience. Our commitment is to continue delivering these high standards.
If you’re considering a quick and responsible cash loan for the first time, we invite you to visit our branch or connect with our friendly agents, who will gladly guide you through every step and help you find the best financial solutions for your needs.
At EMVERTEX CREDIT, your satisfaction is our priority, and we look forward to empowering your financial journey!
Ri FardayRi Farday
03:45 28 Aug 24
Have been with them for so long and with them is stress free on the repayment mode.. Very well recommended..
Very efficient and friendly staff
josephine limjosephine lim
05:49 08 Jun 24
Fast and smooth loan process. Hassle free. Customer service with good attitude.
wira mohamadwira mohamad
05:08 08 Jun 24
EMVertex Credit provides renovation loan to customers. They are fast and efficient. Well done!
ice 888ice 888
08:08 07 May 24
Fast and efficient loan approval. Recommend to take loan from Emvertex Credit.
Sharon TaySharon Tay
05:08 06 Mar 24
Case was handled well by Mr Terrence, he will give good advice on my loan and work the best for my situation. Can approach them if need help! Thanks
Mark BoloMark Bolo
10:03 13 Dec 22
Cristina & Selene has been vey helpful with my plight and listened carefully. Dont let their serious demeanor affect you, they are really very nice people and will definitely help out with their customer's woes! Will definitely recommend and would like to extend my thanks to both of them. Cheers!
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Empower your Financial Journey in 3 Easy Steps.

Quick account setup and submit your application.

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01

Apply via our website

Submit your loan application fast and easy through our website.

02

Receive our call

We will get in touch to verify the application and discuss the best lending plans for you.

03

Get your funds

Once verified and approved you will receive the fund in no time.

Your Financial Empowerment, Always Within Reach

Reach out for more details

Frequently Asked Questions

Got more questions? EMVERTEX support is here to help.

What is a licensed moneylender?
A licensed moneylender is an individual or business entity that has been approved by Singapore’s Ministry of Law to provide loans under a set of strict regulations of Moneylender Act. Borrowing from a licensed moneylender in Singapore ensure that you are protected by this law.
Can foreigners apply for loans?
Absolutely, foreigners living and working in Singapore are eligible to apply for Foreigner Loan with Singapore’s licensed moneylenders by providing valid Work Permit and Proof of Income.
What is the loan agreement, and what should it include?

A loan agreement is a legal contract between you and the moneylender. It should clearly state:
– Loan Amount
– Interest Rates and Fees
– Repayment Schedule and Plans
– Any Penalties for Late or Missed Payments

Please ensure to carefully read and understand any loan agreement before signing.

What Types of Loans Can I Apply with a Licensed Moneylender?

EMVERTEX CREDIT offer various types of loans such as Personal Loans, Business Loans, Payday Loans, Foreigner Loans, and a handful of other loan types. Each type of loan will have a specific eligibility requirements and terms that you can find out in more details on our Loan pages,