Frequently Asked Questions

General Information

Our Operating Hours are as follows

Monday to Friday
From 8.30am to 5.30pm

From 8.30am to 2.00pm

We are closed on Sunday and Public Holidays

Yes, Lian Fong Capital is a Licensed Money Lender (License Number: 120/2022) registered with the Minstry of Law.

Application Process

The documents required are as follows:

  • NRIC
  • 3 months payslip.
  • CPF Contribution for the past 12months

You can apply for loan through any of the following.
1) Submit interest through our website for our Loan Consultants to contact you,
2) Call us at 6468-3948 to schedule an appointment.
3) Visit us in person at 96 Jln Jurong Kechil Singapore 598599

You will then submit relevant documents for verification and approval in our office before you receive the money.


  • Singaporeans or Permanent Resident
  • Full-time Employment
  • Age 21 or above 

To safeguard your interest against fraudulence and as a regulatory requirement set out by the Minstry of Law, all loan applications will have to be made in-person.

For unsecured loans, please refer to the table below for the total maximum amount that you may borrow at any time across all moneylenders in Singapore:

Borrower’s annual incomeSingapore Citizens and Permanent ResidentsForeigners residing in Singapore
Less than $10,000
At least $10,000
and less than $20,000
At least $20,0006 times monthly income6 times monthly income

You should keep these key points in mind:

  • Before approaching a moneylender, consider other alternatives, such as the various financial assistance schemes offered by various Government agencies. You may contact the agencies to find out more about their schemes.

  • You are legally obliged to fulfil any loan contract you enter into with a licensed moneylender.

  • Consider whether you are able to abide by the contractual terms, bearing in mind your income and financial obligations. Borrow only what you need and are able to repay. Be mindful that if you are unable to meet the contractual terms, the late payment fees and interest payment will be a financial strain not just on yourself but also on your family.

  • The law requires moneylenders to explain the terms of a loan to you in a language you understand and to provide you with a copy of the loan contract. Make sure you fully understand the terms of the contract, in particular, the repayment schedule, the interest rate charged and the fees applicable.

  • Consider carefully before agreeing to any contractual term which allows a moneylender to lodge a caveat on the sale proceeds of your real estate property upon default of the loan repayment. When a caveat is lodged against your property, you will not be able to sell it without first repaying the moneylender in full. If the repayment is taken from the net proceeds from the sale of the property, it can wipe out all or a substantial portion of the proceeds.

All loans will have to be made in person at our office.
Lian Fong Capital will not ask for any pre-payment for processing of loans