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A personal loan is a small loan where a licensed moneylender like Aero Credit does not require you to provide security for your loan. A small loan is a quick and reasonable choice when you need to pay for something in Singapore urgently or when you are facing an unexpected spike in your expenses.

It is usual for people to suddenly run into cash-flow issues, both in the business environment and in the personal sphere. At Aero Credit, a reputable and licensed moneylender here for you, we are ready to provide personal loans which might help you navigate such emergencies promptly, safely and economically.

As experienced loan providers, we understand that situations like these are common:

you need to prepare extra cash for festivals or vacations

you need to set aside cash for domestic bills – e.g., hospital bills, phone bills, rental, monthly installments on home payments

you need emergency cash to settle some unexpected or pressing expenses

That’s where our personal credit loans in Singapore come in.

If you are facing one of these types of situations or some similar cash-flow issue, we invite you to share your issue with us and allow us to see if we can assist you to solve your issue.

Since a short-term personal loan is an unsecured loan, we might require you to have a regular income and a good credit rating to provide you the loan.

Anyone ordinarily resident in Singapore may apply for personal loans as long as you have a regular income from employment or you own a business in the country and you are at least 21 years old.

Singapore citizens, Singapore permanent residents and holders of any work-related pass are all welcome to apply for a personal loan.


Small and Medium Enterprises (SMEs) form the heart of Singapore’s economy. Statistics show that SMEs have generated 50% of Singapore’s growth in gross value added in the past five years.

But, in 2017, 42% of Singapore’s SMEs reported that they are affected by increasing costs, which includes labour costs and other operating costs. Undoubtedly, SMEs need clear cash-flow for their business, for instance, to pay suppliers while waiting for funds from customers, to pay wages to employees, etc.

If your business is in need of some loans to get started, look no further than Aero Credit, a reputable moneylender in Singapore.

Whether your company is a startup business, SME, or a mature, expanding business, we at Aero Credit are available to provide various types of business loans to help your operating business in Singapore to overcome temporary setbacks in raising cash or to meet a new or sudden business need.

It is hardly unusual for a business to need extra cash and finding a new line of credit from a commercial bank is neither easy nor fast. Businesses are always looking to strengthen their revenue streams or find profitable avenues for more income. And we, at Aero Credit, are open to assisting business owners with loans if their credit history is good and their ideas and plans for their future appear to be credible and well thought out. We provide short-term business loans for companies in Singapore to help you reach your goals.

As a business loan is bigger and carries a high level of risk, it might need to be secured by collateral or a credible guarantor. You can depend on our licensed moneylenders in Singapore to provide a seamless and stress-free experience.


A payday loan is a loan that you could use to help you manage some need that cannot wait at all. This type of loan is expected to be fully repaid on your next payday upon receiving your next salary or paycheck.

For salaried employees or those who are expecting to be paid soon for completed work, a monthly instalment payday loan is an attractive option when you require a small amount of money to manage an unexpected or urgent need for cash. Putting off or delaying the pressing requirement until the next payday might not be an available choice.

The only option then would be to find a source of funds for a monthly instalment personal loan in Singapore. Going to a licensed moneylender in Singapore might be a good option if you are confident of being able to meet the repayment requirements on your next payday.

Typically, a licensed moneylender like Aero Credit takes only a short while to check if your employment terms and credit rating make you eligible for payday loans in Singapore. We are able to provide instant payday loans for individuals in Singapore who need cash on an urgent basis.

Whatever concerns you have about getting payday loans, you can count on our team in Singapore to address them.


Bridging loans are loans in Singapore with a short repayment duration that assists you to bridge the gap between disposing off an asset (like a house or property or goods) and acquiring another asset.

You might be expecting to conclude a sale of an asset and use the proceeds to buy another asset. However, your funds might not be ready or available when the date to buy the asset comes up. In such a scenario, you need money to buy the asset rightaway while waiting for your own source of funds to make the money available to you. This is where a monthly instalment loan from our moneylending office in Singapore can help.

In such situations, Aero Credit provides a bridging loan to help you cover that waiting period or cash-interval. As a licensed moneylender in Singapore, we aim to help lighten the load. This type of property bridging loan is also useful in small business environments in Singapore to bridge the settlement period between accounts that are payable and accounts that are receivable.

To obtain bridging loans at our company in Singapore, we will usually require you to persuade us that you have funds incoming or on temporary hold as we can then be assured that you will be able to repay on time and in full. We might also ask you to show us how you plan to manage the repayments if the expected source of funds does not turn out to be as reliable as you thought.


A consolidation loan allows you to better manage your existing loans by allowing you to consolidate your currently outstanding loans into a single loan with Aero Credit.

For instance, let us assume that you have taken three loans from three separate lenders and that those three loans are still open. Rather than be bothered thrice a month to keep track of the different loans and make different payments to different entities at different places, it would be far easier for you to obtain a loan from Aero Credit to close your three scattered loan accounts and then service only this one loan from us.

This type of consolidation could be used to close credit card outstandings or other dues where a repayment is due periodically. Servicing a single loan from Aero Credit would bring you much relief from having to manage an irregularly spaced repayment schedule and juggle different rates, tenures and locations.

We at Aero Credit would be happy to assist you to check if you are eligible for a consolidation loan. Typically, what we would need to determine your eligibility is persuasive information that you have the means or the regular income to support the repayment of the consolidation loan.

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.