There are personal expenses that can’t wait till your next salary.

We provide short-term, unsecured quick cash loans that help you cover your phone bills, rent, and other living expenses.

Why borrow a PayDay Loan with KST Credit?

Zero Impact on Credit Score

Banks put you through stringent financial background checks to get a loan approval.

At KST Credit, no trauma, no drama, and it’s hassle free!

We are a licensed Moneylender

KST Credit is a legal and licensed Moneylender registered with the Ministry of Law in Singapore.

Our loans are aligned with best practices in the industry, and our policies help borrowers handle loans responsibly.

Get Cash Fast

Banks and other financial institutions may take days to process and disburse your loan.

At KST Credit, you can obtain a payday loan over the counter within 30 minutes


Citizenship: Singaporean, Permanent Residents & Foreigners

Age: 21 – 65

Employment Status: Full-time or Self-employed

Documents needed:

  • NRIC/FIN/Passport
  • Official company payslip –  3 Month minimum
  • Official CPF Statement containing a record of contribution – 3 months minimum
  • Latest Income Tax assessment record

Other benchmarks considered:

  • Employment stability
  • Fixed pay schedule
  • Job position and job description officially documented in an appointment letter

Citizenship: Singaporean, Permanent Residents & Foreigners

Age: 21 – 65

Employment Status: Full-time or Self-employed

Minimum requirements:

  • Your current line of work should be a sales role, such as Business Development, Client Services or related
  • Agents involved in insurance and real estate are welcome to apply
  • You are part of a legitimate company
  • Your commission reflects the company’s sustainable marketing model

Foreigner requirements:

  • CPF Statement with at least 3 months of contributions from your current employer
  • Latest income tax assessment

You are eligible if you are a business owner who may or may not be part of the following:

  • A sole proprietorship, or Limited Liability Partnership (LLP)
  • A private limited company
  • A corporation

Foreign nationals applying for the loan under this type of employment need to provide identification from their home country as well as their latest income tax assessment.

KST Credit Pte Ltd reserves the right to request for other documentary materials and proofs of income on a case-by-case basis.

When will I receive my loan after application?

Upon successful application, you will receive your payday loan within 24 hours based on the day of application.

How long is the repayment period?

Within 30 Days from the contract.