A licensed money lender in Bedok, a few minutes from the MRT, at Block 210 New Upper Changi Road, unit #01-723. The firm says it has been licensed since 2010 and quotes a 90% approval rate. Customers mention fast approval, repayment terms of 12 months, and debt consolidation to bring down a monthly repayment. Staff are described as polite and patient, and reviewers say the requirements were explained clearly. According to the website, unsecured loans can go up to six times monthly income, and poor credit history is not a bar. To apply, you bring the past two years' Notice of Assessment, three months of income proof such as bank deposits or computerised payslips, and proof of address, such as a tenancy agreement or utility bill. You then meet the loan officer at the Bedok office, sign the contract, and receive the funds on the spot in cash or by PayNow. Within a kilometre there are six other mortgage broker listings. Of the six with ten or more reviews, none rates higher than this one. On Line Credit, Tradition Credit and UK Credit, all 0.1 to 0.2 km away, also rate 5.0, with 1,244, 1,341 and 3,966 reviews.