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City Plaza Entrances during Phase 2

Dear Valued Customers. It’s the start of phase 2 and more entrance to city plaza are available.

If you are commuting via public transport. The entrance/exit available are as follows:
1) Entrance near Hong Leong Finance (Facing Geylang Road, Paya Lebar Quarter/PLQ)
2) Entrance near passenger lift (Facing Tanjong Katong Road, Kinex Mall/OneKM)
3) Entrance near cargo lift (Facing Guillemard Road)

If you are driving, car park entrance is locate at Guillemard Road.  Temperature taking will be done at the gantry of the carpark. You can now enter the plaza directly from level 4 or 5 carpark.


Our operating hours are back to usual: 
Monday – Friday: 11am-8pm
Saturday: 11am-3pm
Close on Sunday and Public Holidays

Address:  810 Geylang Road City Plaza #02-15 Singapore 409286

Nearest MRT: Paya Lebar MRT

Do feel free to contact us to arrange for an appointment.


Reopening safely.  We keeping our office clean and sanitized, let’s do our part.



Ways to save money on takeaway and delivery food

Have you ever looked at your bank account and wonder how you’ve spent all your money on food?

Me too.

To avoid getting overwhelmed by your monthly credit card bill, we have summarized some tips and tricks to save money during the Covid-19 period.


Tip #1: Finding deals on delivery apps (Eg. Collins’s Restaurant)

Currently, Collins is having a 20% discount for all takeaway orders direct from their store. They are also having a 50% off on orders ordered through Foodpanda, Grabfood and Deliveroo.

With all the additional charges from the third party sites, will it be cheaper to order direct from Collins or through the applications?

Changi Airport Terminal 3 Collins outlet:

  • Marina Square
  • Northpoint City
  • Cineleisure Orchard
  • Jubilee Square
  • Westgate
  • Funan
  • Paya Lebar Quarter (PLQ)
  • Nex


Tip #2: Getting a subscription plan. (Grab)

Grab enthusiasts rejoice! After the very unfortunate suspension of the All Access Plan and Commute Plan, Grab has come up with 2 new plans – Daily Value Plan and Food Plan.

The Daily Value Plan gives you 15% off your ride, through 25 vouchers (valid on selected rides). In addition, it gives you 5 food vouchers for free GrabFood delivery, with a minimum order of $12. The Daily Value Plan is great if you are a frequent user of both Grab and GrabFood.

Grab’s Food Plan is a cheaper alternative if you are stuck at home like most of us during this period of time. THis subscription plan gives you 50 food vouchers for free GrabFood delivery. The food voucher cannot be used in conjunction with other Grab promotions or Grab Rewards.

One thing to note is that the vouchers have to be purchased with Grabpay or GrabPay Credits


Tip #3: Buying Cash Vouchers – up to 15% off

If you are not a frequent user of delivery apps, and wish to get the best bang for your buck, you can consider purchasing cash vouchers insteads. These vouchers are available on platforms such as Shopee and Lazada and range from $10 onwards.

How it works is you essentially purchase a fixed-value voucher on one of the previously mentioned platforms at a discounted price and use it to offset purchases when you actually purchase the food.

How to sleep better

Since the coronavirus outbreak started, many countries go on lockdown and many people start to work from home since March or April, or even earlier. Some are have been complaining can’t sleep well. Even though Singapore has exited the “Circuit Breaker” and now we’re in phase one, many Singaporeans are still working from home and many still can’t sleep at night.

If you’re having sleeping problem as well, We will be giving you some tip and hopefully it will fix your body clock.


Do not consume caffeine at night

When caffeine is consumed late at night, caffeine will stimulates your nervous system and may stop your body from naturally relaxing at night. Therefore, drinking large amounts of coffee at night is not recommended.


  1. Exercise daily

Regular physical activity can promote better sleep, Include this in your daily routine. You may noticed that, the traffic is much lesser than usual due to circuit breaker, and it’s a good time for a jugging near your house, even you are staying in CBS area. You may consider to go to the nearest park as well.


  1. Naps

As most of us are working from home or on a staggered working hours, we may slowly form a habit of naps during the lock down. Long naps can affect your night sleep. If you choose to nap, limit yourself up to 1 hour and not too late in the day. However, If you take regular daytime naps and sleep well, you shouldn’t worry. The effects of napping depend on the individual.


  1. Put away your smart phones

Electronic devices keep your mind awake, it is advised to put away devices like smart phones and tablets at least one hour before bedtime. Even we don’t have to report to office in the next day as most of us are still working from home, but it’s still advisable to maintain the same bedtime.


  1. Pay attention to what you eat

Don’t eat too much food when it’s late or before you sleep. They overload your digestive system, which affects how well you sleep but also do not go to bed hungry.


  1. Wake up the same time everyday

Wake up at the same time every day, even on weekends or holiday. Waking up at the same time everyday will help you sleep better at night.


  1. Bedroom temperature

Bedroom temperature actually affect your sleep more than external noise. Around20°C seems to be a comfortable temperature for most people but it depends on your preferences and habits.


  1. Keep your room dark at night

Keeping your room as dark as possible when you’re going to sleep. Switch off all the lights, putting curtain to block lights outside your window. Blackout eye mask if your room is still bright.


  1. Schedule time for worrying.

Set aside 15 to 30 minutes a day to worry about things and unwind for the day.

Identify actionable issue and note down on the immediate next course of action. (i.e Financial issues, Family issues, Work-related issues, etc.)

Set a reminder for each action and be accountable for it.



Still having trouble sleeping?

Do not hesitate to consult a doctor or sleep profession.

Know more about safe-reopening

Phase 1: Safe-reopening

  • Safe work

  • Safe home and community

  • Safe school

  • Safe care


Safe work:

Business that will start to operate includes:

 – Essential business

– Most manufacturing and production facilities (semi-conductors and medical technology)

– Most businesses with employees working in offices and setting that do not require interactions with large groups of people (finance, insurance, IT , info services)


Same home and community:

– House visits: each household will be allowed to visit their relatives staying elsewhere. However, each household should limit such visits to only one per day, with not more than 2 people from the visiting household.

– Marriage solemnisations: involving up to 10 persons will be allowed to take place in-person again

-Place of worship: can re-open for private worships, with up to 5 members of the same household praying together at any one time

-Wakes and funerals: families can gather for wakes and funerals, with no more than 10 people at any one time


Safe school

-Pre-schools and early intervention centres: K1 and K2: 2 Jun, N1 and N2 8 Jun, Infant care and Playgroup: 10 Jun

-Primary and Secondary School: alternate between school and HBL, odd week: PRI 4,5,6 + SEC 1,2,4,5, even week: PRI 1,2,3,6 + SEC 3,4,5

-JC and MI: half of the students will return to school at any one time, with priority giant o JC2 and Pre-U 3 students

– Institutes of Higher learning: Poly – HBL; ITE, Autonomous Uni (SIT, SUTD) – rotate between online and on-campus lessons. Students will return primarily for practical and lab sessions. Students from other Autonomous Uni will have their vacations

-Special Education (SPED) schools: students’ return will be staggered from 2 June, all will be back in school by 8 June. All students and staff will need to wear masks or face shield. CCAs, enrichment activities and tuition will not resume. Student care centres will fully re-open on 2 June. Along with the re-opening of schools


Safe Care:

-Healthcare services: specialist outpatient services, medical procedures, community-based services and chronic disease management will resume, prioritised based on medical necessity and available capacity while maintaining safe distancing and precautionary measures. Preventive health services and complementary health services (TCM) will recommence

-Senior services: Current measures will remain. However, senior activity centres will gradually resume in a safe and controlled manner.

-Community-based centre services: for persons with disabilities will also gradually re-open, with safe distancing measures in place. Staff are also required to take necessary precautions, including wearing masks, maintaining good personal hygiene. Activities will be held in smaller groups, and persons who have medical conditions are encouraged to remain at home to receive home-based support.


Phase 2: Safe Transition – almost the whole economy will re-open, with safe measurements being in place.

-Retail, F&B and other services: Most businesses will be allowed to resume, with limitations such as group size and capacity in placed. Sports and other public facilities will be opened too

-Social interactions and family visits: Masks will remain compulsory, small-group gatherings of up to 5 people will be allowed. Households will be allowed to receive 5 visitors per day. To support seniors and their caregivers, more senior activities and programmes will resume with appropriate safe measures in place

-Schools: will fully from end-June, while Institutes of Higher Learning (IHLs) will gradually increase the number back on campus at any one time

-The government will be engaging with higher-risk activities, such as cultural venues, entertainment venues and large-scale events, on how and when they may resume safely.


Phase 3: Safe Nation – new normal fro Singapore until a vaccine or treatment is developed

-Higher-risk activities would have resumed, with gathering sizes limited in order to prevent large clusters

-Seniors would be able to resume day-to-day activities, while practicing safe distancing measures as well as avoiding peak period travel, crowded places and large groups.

What type of personal subsidy is given from government during Covid-19?

Due to the Covid-19 pandemic, many jobs are lost, wages cuts, and even some businesses are forced to shut down. The closure of these non-essential services are expected to cost roughly 10 billion dollars.

The circuit breaker measures was implemented by the government to combat Covid-19. These measurement have reflected a significant improvement as the number of affected cases per day are dwindling. After 2nd June 2020, businesses are gradually allowed to re-open over 3 phases, depending on the type of industry.

During these difficult times, you may have considered applying for financial assistance from banks or licensed moneylenders. Before approaching any bank or licensed moneylender, we would like to share with you of the list of assistance schemes that the Government is offering to individuals and households whose livelihoods have been severely affected by the COVID-19 pandemic.

Now let’s take a look at the various financial assistance schemes provided by the government.

If you are keen on applying for financial assistance with a banks or licensed moneylenders, please do contact the bank or licensed moneylender directly. In the first half year in 2020, the number of scams has been increased by 7% as compared to the first 6 months in the previous year. There has been several reports of unlicensed moneylending, where perpetrators disguise as licensed moneylenders to deceive victims into transiting funds to them.

Do take note that licensed moneylender do not advertise through WhatsApp or cold-calls. If you have received similar messages or calls, it is likely than an unlicensed moneylender has approached you.

For every loan taken up with a licensed moneylender, there must be an approved place of business where all loans are to be done face-to-face. In addition, licensed moneylenders are not allowed to impose any fees before granting any loans. For more information, please do not hesitate to contact us, or simply click the chat button on the right side, and start to chat with us ( if you are using mobile. If you are using laptop, please kindly log in to WhatsApp Web” )

Click here to know the list of licensed moneylenders.

Restaurants with huge discounts during the circuit breaker

Eating is definitely something which all Singaporeans like to do. However, due to significant rise in number of Covid-19 cases in Singapore, the government has decided to implement the circuit breaker measures. Hence, we would be unable to dine out. Fortunately, you do not need to fret as you can still take away your dishes and order delivery services.

Here are some restaurants offering huge discounts during the circuit breaker period so that you can save money and get some good food at the same time!


  • Peach Garden

Peach Garden is a Chinese Restaurant which offers a wide variety of food ranging from exquisite fusion to authentic Chinese food. The Chinese restaurant is famous for their Signature dishes such as Double-boiled Shark’s Bone Cartilage Soup, Roast Pork Cube, Baby Lobster Noodle and Chilled Black Glutinous Rice with Ice-Cream in Young Coconut. You can order via their e-shop and enjoy complimentary delivery for places within 1km of their sectors or when you spend at least an amount of $68. A la carte takeaway orders are also given a 30% discount by the restaurant.

More information, please click:

  • Birds of a Feather

Birds of a Feather serves Western dishes with a Sichuan twist. The restaurant is famous for their Spicy Good Slime Shine, a dish which serves smooth yam noodles with classic hot and spicy sauce, and fish out aromatic chunks of fried chicken from a pool of chillies in a dish that’s appropriately called Find The Chicken in the Chillies. Delivery fees starts at $10 for orders below $40 and $8 for orders above $50.

More information, please click:

  • Artemis Grill

The Artemis Grill famous for their Mediterranean dishes being cooked over a wood-fired grill. The restaurant provides a wide variety of food which is suitable for people with a gluten-free diet to Vegetarians. Smoke-kissed dishes of free-range chicken and tabbouleh and grilled rib-eye steak with chimichurri sauce is just some of the food that they serve. Use the promo code ‘ARTEMIS10’ at checkout to enjoy a exclusive 10% discount for new customers. Delivery fees is $8 but you can enjoy free of charge delivery if your food purchase is above the amount of $100 or your designated place of delivery is within 2km of the restaurant.

More information, please click:


  • The Blue Ginger

The Blue Ginger is a restaurant which serves Peranakan dishes. Kerabu Timbu, a spicy salad of chicken gizzards and cucumbers, babi pong tay, sotong keluak, and deep-fried eggplant are just some of the dishes being served at The Blue Ginger restaurant. A 20% discount on all a la carte takeaway orders at its Great World branch is being offered by the restaurant. Delivery fees are only at a cost of $5.

SMEs- Jobs Support Scheme and Enterprise Financing Scheme

Due to Covid-19, many businesses are facing difficulties.

In order to support SMEs to get through this challenging period and to retain their workers, government has announced the Jobs Support Scheme (JJS) and Enterprise Financing Scheme, includes:



  • Government’s risk share increase to 90% for Enterprise Financing Scheme Trade Loan, Working Capital Loan and Temporary Bridging Loan Programme.


  • Banks are offering Temporary Bridging Loan Programme, with maximum loan quantum of $5million, and SME Working Capital Loan with maximum loan quantum of S$1 million. SMEs can apply through banks’ website.



  • At least 25% wages subsidised for a further eight months, depending on the sector.


  • The first payout will be on April 2020, the second payout will be on July 2020 and the third payout will be on October 2020.


  • Employers will receive levy of $750 for each work permit or S pass Holder , which will be paid out on 21 April 2020.


  • Waiver of monthly Foreigner Worker Levy due in April 2020


  • 1 month rental waiver for office, commercial and agriculture tenants of government agencies.


For more information, please click here.


Should I take personal loan from licensed moneylender?

If this is your first time to consider to take a personal loan from a licensed moneylender, then this article is worth to take a look.

We all understand that licensed moneylender is not the first choice to source funds, as banks are providing much lower interest rate, and the loan amount that bank will be approved is higher. Of course, all applications are subject to bank credit assessment department approval and the applicant’s personal income cap.



What’s happen if the personal loan application has been rejected by bank?

Or the loan application has exceeded the income cap?

Or the processing time is too long?

So now, its time to consider a personal loan from a licensed moneylender.

Before you taken a personal loan from a legal moneylender, what should you consider?


1: Repayment abilities

No matter you are taking a loan from bank or legal moneylender, before taken a loan, you should think twice about the repayment abilities.


2: Only take the amount that you need

You may have a high income and you may qualify for a high amount, however we will always advice you to take the amount that you really need.


3: Only take from licensed moneylenders

All licensed moneylender are governed by Ministry of Law, and you can check the list of licensed moneylender from the website.

A licensed moneylender will require you to present yourself at the place of business. The lender is required by law to verify who you are, whether you are eligible to borrow money and whether you qualify for the loan amount you want.

If someone calls or texts or emails you offering a loan or offering to arrange for you a loan of any kind, you can be absolutely certain that it is an unlicensed moneylender – also known as a loan-shark or an Ah Long.

If you receive such offers, do not reply. Instead, notify the Singapore Police Force through i-Witness or call the X-Ah Long hotline at 1800-924-5664 to make an anonymous report.

If someone calls you claiming to be from a Licensed Moneylender, please do check the Licensed Moneylenders List under the Ministry of Law, and verify that the contact number actually belongs to the Licensed Moneylender.


4: Check interest rate and all charges

All moneylenders are permitted to impose only the following costs, charges and expenses for an unsecured Personal Loan:

  1. A fee not exceeding 10% of the principal of the loan amount granted.
  2. A fee not exceeding $60 per month for late repayment
  3. Interest rate of no more than 4% per month
  4. Late Interest of no more than 4% per month
  5. Legal costs ordered by the court for a successful claim by the moneylender for the recovery of the loan.

In Aero Credit, we are offering 3.92% interest per month, if you need for information, give us a call or simply click the blue button, and chat with us.


5: Remember to make payment on time

Like banks and all finance companies, late charges applies when the payment is late or amount not in full as per contract repayment schedule, its advisable to make payment on time in order to avoid additional late charges and it can help to maintain a good credit record as well.

If you would like to know more about Personal Loan from Aero Credit, click here to the FAQ. Alternatively, you may direct call us @ 6256 6319 or click the blue icon on the right bottom to start chatting with our loan officer.



4 Tips to avoid being rejected when applying for a person loan.

First of all, you need to know and understand the importance and use of the credit report. Whether you are applying for a credit card, a personal loan, a car loan or a property loan from any finance or lending company, the credit report plays an important role as an assessment tool for the lender. As such, it does affect the result of your application. Most lenders will need to assess your credit worthiness before making a decision.

A good repayment history will help when applying for any loans. And it’s easy to purchase and monitor your own credit report. You can purchase the report from the Credit Bureau Singapore website.

What should you do when you apply for loans?

1: Declare and prove monthly income accurately

Lenders will need to check and verify the income of the applicant, and it is advisable to declare what you really earn to ensure you are taking a loan affordable for you.

2: Maintain good repayment record

It is essential to maintain a good repayment record. It is quite similar to building up your own reputation.

3: Avoid applying for multiple loans

People usually look for multiple loans when they don’t get the loan amount from a single lender or they will take a new personal loan when they still have an existing loan. It is advisable to avoid applying for multiple personal loans in order to avoid putting yourself into a debt trap.

4: Avoid changing jobs too often

When you go to a job interview, an employer will prefer to see that you have been loyal to a company rather than someone who has constantly been changing jobs. This theory applies when you want to apply for a personal loan.


If you wish to reach Aero Credit for more information, you can contact us during office hours.

Licensed moneylender & unlicensed moneylender- differences

How do you tell apart a licensed moneylender from an unlicensed one?

The first point to note is that a licensed moneylender will never send you an unsolicited message or contact you to offer you a loan.

If someone calls or texts or emails you offering a loan or offering to arrange for you a loan of any kind, you can be absolutely certain that it is an unlicensed moneylender – also known as a loan-shark or an Ah Long.

If you receive such offers, do not reply. Instead, notify the Singapore Police Force through i-Witness or call the X-Ah Long hotline at 1800-924-5664 to make an anonymous report.

If someone calls you claiming to be from a Licensed Moneylender, please do check the Licensed Moneylenders List under the Ministry of Law, and verify that the contact number actually belongs to the Licensed Moneylender.


Here are a few other clear pointers to go by:

  • A licensed moneylender is a registered, legally incorporated and identifiable private limited company.
  • An unlicensed moneylender is an individual (or a group of people acting with a common purpose) with no registered or confirmable identity.


  • A licensed moneylender operates openly from a fixed commercial address with known contact information.
  • An unlicensed moneylender operates from the shadows using constantly changing contact information and without a reliable business address.


  • A licensed moneylender is lawfully authorized to carry on the business of lending money to both individuals and businesses.
  • An unlicensed moneylender’s operations are deemed to be illegal, criminal activity and are prosecutable and punishable offences.


  • A licensed moneylender will require you to present yourself at the place of business. The lender is required by law to verify who you are, whether you are eligible to borrow money and whether you qualify for the loan amount you want.
  • An unlicensed moneylender conducts all transactions anonymously and remotely so that you remain unaware of who they are, where they are and how they operate.


  • A licensed moneylender will tell you clearly the terms and conditions of the loan, including the interest rate and how much you will need to repay and when your repayments will be due. The details will be set out in a clearly worded contract, a copy of which will be provided to you.
  • An unlicensed moneylender will have no documentation or legally agreed terms and conditions but will use spurious claims and ambiguous promises to lure you into an illegal transaction.


  • A licensed moneylender advertises only on its own website, within its place of business or in general consumer or business directories.
  • An unlicensed moneylender will use flyers, notes, calls, text messages, emails and even marketing agents to persuade you to take a loan.


  • A licensed moneylender will never call, text or email you to ask for your personal information such as your NRIC, work and home addresses or your bank details.
  • An unlicensed moneylender will call you and ask for your personal data, which might be misused later for criminal activity or to assist the commission of other crimes.


  • A licensed moneylender is limited by law to charging a monthly interest rate not exceeding 4% and is also required to let you know about any fees or charges tied to the loan.
  • An unlicensed moneylender’s interest rates and charges are limited only by greed and your willingness to be a victim. Threats, harassment and intimidation are the tools they rely on to extort unconscionable amounts from you once you fall for the promises of easy money.


A licensed moneylender is listed by Singapore’s Ministry of Law.The Moneylenders List (maintained on the ministry’s website) provides the names, business addresses, licence numbers, office telephone numbers and website addresses of all the moneylenders who currently hold a valid moneylender’s license.

Aero Credit is a moneylender licensed by Singapore’s Registrar of Moneylenders. We are one of Singapore’s most reputable and capable moneylenders. We are staffed and managed by experienced professionals who insist on providing the highest possible levels of courtesy, flexibility, confidentiality and service.

Aero Credit is conveniently and discreetly located within City Plaza near Paya Lebar MRT.

Contact us today about to find out more about our loan packages and how we can help. Alternatively, you may click the right bottom “Whatsapp” icon and chat with us.


List of Licensed Moneylender, Click here.

Online Enquiry

Very often, it is only when you reach the bank or meet a lender that you are told your credit rating is not good enough for a loan. That can be immensely frustrating when your need for additional cash or extra funds is urgent. Use our Online Enquiry service to find out if you are eligible for a loan — it is easy, and it is fast.