Credit Culture

Since our founding in 2016, Credit Culture has been transforming personal lending in Singapore. We specialize in digital, SingPass-authenticated personal loans that are fast, affordable, and transparent. We pride ourselves on a streamlined, 24/7 online experience with rates capped at 1% per month, no hidden fees, and instant disbursement upon verification. As the first fintech moneylender piloted by the Ministry of Law, we’re determined to drive down the cost of credit and expand financial inclusion – from lower-income segments to mainstream borrowers. Our technology-powered model enables us to offer convenience, clarity, and speed, reshaping how loans are delivered and experienced in the country.