Licensed Moneylender in Bedok, Singapore
Fong Chin Capital is a licensed moneylender in Bedok, Singapore. Explore our loan services, application requirements, fees and repayment options.
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REVIEWS
Fong Chin Capital - trusted since 2009
WE RESPECT YOUR TRUST & HONOUR STRICT CONFIDENTIALITY
Our commitment to be 100% compliant to the Licensed Money Lending act and adhering strictly to PDPA regulations means your information remains absolutely private and confidential. All our staffs sign a pledge & undertaking to ensure that our client’s is treated with utmost care and respect.
Quick loans for occasions we may not have expected.
Many of us comes from humble backgrounds. Financial independence is a journey. Some achieve it sooner than later. At some points in our lives, we may encounter situations that warrant a little help financially. Feel free to talk to us about your needs.
Whatever Life Brings, We’re Here to Help.
Life doesn’t always happen according to plan. An unexpected expense, a delayed payment or an important opportunity can sometimes create a temporary gap in your finances.
Whatever the situation, our friendly team at Fong Chin Capital is here to listen, understand your needs and help you find a suitable short-term solution. Fong Chin Capital is a trusted money lender in Bedok offering personal loans since 2009.
When payday is still a little way off
An important bill or expense has arrived, but your salary or expected funds haven’t. Sometimes, all you need is a little help to bridge the gap.
Let us help you through.
When an unexpected expense comes up
Car repairs, urgent household expenses and other surprises rarely arrive at a convenient time.
For those moments you didn’t plan for, talk to us.
When health needs come first
Medical and healthcare expenses can arise without warning. When they do, your attention should be on yourself and your loved ones — not just the immediate cash flow.
We’re here when you need some temporary financial breathing room.
When an opportunity to learn comes along
A course, professional qualification or skills upgrade can be an important investment in your future. If timing is the only thing standing in the way, speak with us.
Don’t let a temporary cash-flow gap hold back your next step.
When life reaches an important milestone
A marriage, a new baby, graduation or another important family occasion can bring additional expenses alongside the happiness.
When you need a little extra support, we’re here to help.
When too many repayments become difficult to manage
Managing several repayment commitments can become complicated. Where appropriate, consolidating eligible debts may make your repayment obligations easier to understand and manage.
Speak with us and let’s look at your options together.
100% Compliant
Fong Chin Capital is a licensed money lender and complies fully with the money lender license regulations stipulated by IPTO and the MoneyLenders Act 2008.
Key Rules & Limits for Licensed Moneylenders
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Interest Rate Cap: Maximum 4% per month, regardless of income or credit profile.
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Upfront Fee Cap: Maximum 10% of the principal loan amount.
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Late Fee Cap: Maximum S$60 per month for each late payment.
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Late Interest Cap: Maximum 4% per month on the overdue amount.
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Total Cost Cap: Total charges (interest, late fees, administrative fees) can never exceed the original principal.
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Face-to-Face Verification: Lenders cannot conduct fully online transactions. Borrowers must complete a physical, in-person identity verification at the lender's approved place of business.
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Fong Chin Capital Pte Ltd: Licensed Moneylender | Singapore. Licence No: 104/2026
Fast & Easy Application
We keep things simple, transparent and hassle-free. Our friendly team will guide you through every step.
Simple. Transparent. Friendly.
That’s how borrowing should be.
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1. Tell Us What You Need
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2. Let Us Work It Out
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3. Receive Your Funds
STEP 1:
Let us know how much you need and provide the required information and supporting documents. We’ll guide you through what’s needed.
Your privacy matters to us. All personal information is handled securely and in accordance with applicable data protection and regulatory requirements.
STEP 2:
Our team will review your application and assess an appropriate loan amount based on your circumstances and applicable lending limits.
We’ll explain the terms and repayment clearly, so you know exactly what you’re committing to before making a decision.
STEP 3:
Once your application is approved, the required checks are completed and your loan agreement is signed, your funds can be disbursed promptly.
