Singapore's Most Trusted Licensed Money Lender

24-hour licensed online money lender in Singapore. Fast loan approvals at low interest rates with no hidden fees. Apply easily online or with Singpass MyInfo.

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Money At Your Fingertips

Access the money you need quickly and securely, available online 24 hours a day

Step 1

Submit Application Form

It takes an estimated 5 minutes to complete or apply using Singpass.

Step 2

Get Application Result

Receive an in-principal approval within 25 minutes upon submission.

Step 3

Collect Your Money

Sign loan contract face-to-face and get your money on the spot.

The Top Licensed Money Lender in Singapore

1AP Capital is a recognised and licensed moneylender in Singapore, operational since 2019. We provide a wide array of lending services tailored to meet the needs of Singaporean residents, businesses, and foreign nationals seeking fast financial solutions.

Our mission is to deliver rapid access to cash for those facing financial hardships, ensuring they can manage challenging times with ease. Our loan process is streamlined and efficient, eliminating the hassle of prolonged applications and lengthy approval delays. At 1AP Capital, client satisfaction is our top priority, and our dedicated team ensures fast and smooth transactions with flexible repayment plans tailored to individual needs.

As a legally compliant entity, regulated by the Registry of Moneylenders under the Ministry of Law, 1AP Capital adheres strictly to the guidelines set by the Moneylenders Act and Rules. Our clients can always expect a lending experience characterised by fairness, transparency, and prompt service, backed by our experienced and approachable lending team.

Top Pick Credit Solutions Tailored To Your Needs

We understand that every loan should be tailored according to the individual's specific needs. We provide top-tier credit solutions designed to fit within your budget and goal set. Whether you're looking for a loan for emergency use, fund a business venture or finance home improvements, our specially tailored loan options are available for any purpose. Our advisors will discuss your requirements in detail and find you a loan that translates into financial success.

Reviews From Our Valued Customers

Here's what our customers say about 1AP Capital: View All

Personal Loan Calculator

Find out what your loan repayments could be

Minimum $500, Maximum $100,000
Maximum 36 months
Monthly Repayment


Total Interest
Total Repayment

The result from repayment calculator is for reference only. Actual result will be based on customer’s final loan amount, credit rating and other factors as assigned and considered by 1AP Capital.

Happy with the numbers?

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Loan Plans For You

You deserve the best when it comes to your finances

Loan Amount

$ 8,000

Monthly Repayment


This offer is calculated based on 36 months loan tenure. Please check with our officer for customised loan plan.

Loan Amount

$ 15,000

Monthly Repayment


This offer is calculated based on 36 months loan tenure. Please check with our officer for customised loan plan.

Loan Amount

$ 30,000

Monthly Repayment


This offer is calculated based on 36 months loan tenure. Please check with our officer for customised loan plan.

All the numbers are calculated based on a 24% APR. The Annual Percentage Rate (APR) can be adjusted according to your needs. An individualised APR will be presented at the end of your application. Max. APR is 48% in a principle reducing balance method. The min. period for repayment is 2 months (at least 61 days) and the maximum period for repayment is 36 months (3 years). The full loan repayment period is more than 60 days.

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Frequently Asked Questions

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