1. How can I apply?

A) Please apply online or walk in to our office.

2. What are the documents require to bring?

A) Singaporean/Permanent Residents

Original IC, Minimum 3 months CPF Contribution statement, Latest 3 months payslip.

Alternatively you can come to our office to print out the require documents with your Singpass.

B) Foreigners

Original Valid Employment Pass, Original Passport, Tenancy Agreement for your residence, PUB Bill or Handphone Bill, Appointment Letter from your Company, Latest 3 Months Payslip, Bank Statement in which your employer banks in your salary.

3. What if I cannot go within the operation hours?

A) Call us to arrange and we will serve you.

4. How do I know whether my loan is approved?

A) We will call you once your loan is approval.

5. Can I request to know the reason if my loan is disapproved?

A) We will not disclose any information due to our company policy

6. Do you still give out loan if my credit is not perfect?

A) We customise loan package for personal which credit is not so perfect.

7. If I am not comfortable to give out some of my details, what other option do I have?

A) You can come to our office and print out your document and we will process it.

8. If my loan is approved, can I reject it?

A) Yes you may reject the loan if you had not come down to sign the Document.

9. Can I reloan after i paid off my loan?

A) Yes,we will grant you another loan provided you are eligible at time of application subject torule and regulations of moneylender acts.

10. Do You have document processing fee?

A) No, We do not have document processing fee.

11. Can I call the company if I have some unusual question?

A) Yes, but as we mentioned, we are cutting cost to provide low interest program to ourcustomer, so please bare with us if the waiting period is longer than usually.

12. Can I reloan if i already had an existing loan?

A) Yes, just give us a call and we will help you to process the applicationLoan Approved In Principal does not constitute a guarantee in your loan amount, number of installments and interests offered. CYS Credit Pte Ltd reserves the right to amend, change the loan amount, number of installments and interest offered to the borrowers at it sole discretion and will inform the borrower on the amendments and changes before the loan contract is signed. The borrower had no obligation to take up the loan if the loan package offered is not satisfied by the borrower