Top Singapore Licensed Moneylender, Cash Loans
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Taking A Fast Cash Loan – Factors To Consider

It is important to have all the information you can gather when taking a Singapore fast cash loan so that you can make the right decision after weighing all your available options. The following are a few other factors to bear in mind in the process of sourcing for and eventually applying for a fast cash loan:
personal loan


There are many sources of credit, and where you go to will depend on your current circumstances. If you need a loan in the shortest time possible, your best option is to visit a moneylender. In deciding where to go, know that your lender will consider three things before giving you the loan and when deciding how much to give you: Character – this will be determined by your credit history record, and also a background check on you, Capacity – how much can your income afford you? This will also factor in all your other financial obligations since they will affect how much you can repay for the new loan that you’ll be taking, Credit – this is a plan on how you intend to repay your loan if you are given the amount, bearing in mind again all other expenses. If you are prepared with answers and plans for these, it will increase your chances of getting a favorable response.

personal loan


Can you sustain the payment of the loan plus interest? Can you sustain it for the entire time period you will be paying the loan? Is there another expense you haven’t accounted for that might hamper your ability to make your repayments? How have you dealt with that? Is there a promotion coming in your future? Will that include a raise? As a caveat, don’t take loans on future monies though. Even if you’re expecting a raise in a month or two, make your calculations as though the raise isn’t there, and then if it comes, you will have an easier time. And you can always adjust repayments upwards to finish repaying the loan faster.

personal loan


Particularly if you intend to secure your Singapore fast cash loan, consider the worst possible circumstance within the loan tenure period. If you’re using your car for instance as security and you don’t make repayments, how will that affect your life? If the alternative is too dire, consider going for an unsecured loan instead.


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AP Credit is one of the best money lenders in Singapore today.

  • Offers the Best Singapore Personal Loans
  • Provide you LOW INTEREST Fast Cash Loans
  • Loans up to 4 times your monthly income
  • Leading Licensed Moneylender approved by Ministry of Law
  • Call us today and know more from our friendly staff

Choosing AP Credit Moneylender For An Emergency Loan For Your Business

The decision on how to meet a financial obligation in the business that itself cannot pay for is an important one. There are many types of loans a business can get in the market, but the best thing to do is decide who you will turn to in case your business ever needs a Singapore emergency loan for any reason. You will want to compare as many different moneylenders as you can and the different packages they offer. The best time to do this is while your business is still in a good frame, to eliminate the desperation and rush that comes once a bad event has already happened. Conduct your research and have your bases all covered before you begin.
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The type of loan

There are many types of business financing options, whether for emergency situations or for other plans you have like expansion. If you want to purchase fixed assets for the business, a secured loan in the form of asset financing is best. Major projects can be financed by equity financing.
However, for emergency funding, a Singapore emergency loan is the best because it only takes a few hours to process, and it can be unsecured if you don’t have collateral. Also, you can negotiate repayment terms to suit the business’s income stream in various seasons of business.

personal loan

Cost of financing

Compare the various interest rates as well as penalties and fees to determine the full cost of financing. This is especially important with secured loans since you might lose the assets if the terms are too stringent. Consider the duration of the loan and try to make it as short as possible so that you can pay the least amount in interest. However, don’t make it so short that you will struggle to make repayments that are exceptionally large.

personal loan

Repayment flexibility

There are businesses that draw money all year round – restaurants for instance. However, most businesses tend to have high and low income periods. Because of that, you need to find a loan package that offers the flexibility of non-even installments, so that you can pay the bulk of the amount during the periods that have booming business. But like we said, try to make the repayment period as short as you can. A business is subject to more variables than a single individual, thus it’s important to ensure that you have all the bases accounted for.


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