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Responsible Borrowing

Responsible Borrowing

KST Credit is a licensed moneylender registered with the Insolvency & Public Trustee’s Office. (License No. 90/2023)


If you are considering to apply for a personal loan, you should approach a licensed Moneylender approved by the Ministry of Law, and registered with the Insolvency & Public Trustee’s Office.


It is important to only borrow what you can repay.

You should consider these before applying for a loan from a licensed Moneylender:

  • Never borrow to pay off another debt

  • If you are unable to fulfill the contractual terms, the late payment and interest fees will be a financial strain not just on yourself, but also on your family

  • Make sure you fully understand the terms of the contract, in particular, the repayment schedule, the interest rate charged, and fees applicable.

How do I know if a Moneylender is licensed?

You can check the list of moneylenders on the Registry of Moneylenders’ website.


As a Licensed Moneylender, KST Credit is regulated under the Ministry of Law.  Our policies are aligned with the latest laws that protect you as a borrower.


How much can I borrow?

Depending on your income, there are limits on how much you can borrow, and how much interest you can be charged.


For more information, you can browse our Terms of Use to find out more.

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