At Ares Capital, we understand that unexpected expenses can arise before your next paycheck. Our payday loan services are designed to provide quick, short-term financial assistance to Singapore Citizens and Permanent Residents facing urgent cash needs. Whether it’s unforeseen medical bills, urgent home repairs, or other immediate expenses, our network of licensed moneylenders offers a streamlined solution to bridge your financial gap.
Unlike personal loans, payday loans are typically repaid in full on your next payday, usually within 10 to 30 days. The loan is unsecured, meaning no collateral is required, and approval depends on your income and ability to repay.
Payday loans are best suited for employed individuals who face immediate, short-term cash flow issues. Typical use cases include:
If you can repay the loan on your next payday, this may be a suitable solution. If you need more time or a larger amount, our Personal Loan may offer a better fit with flexible repayment terms.
To apply for a payday loan, you should meet the following basic criteria:
We may also accept Employment Pass (EP) holders or self-employed applicants with sufficient documentation. Our advisors will guide you through any additional requirements.
Applying for a payday loan with Ares Capital is quick and stress-free:
Complete our online form with your basic personal and employment details.
Provide your NRIC and proof of income. We may use MyInfo for faster verification.
We evaluate your application and match you with a suitable licensed lender.
Your loan officer will explain the terms, including fees and the exact repayment amount.
After signing the agreement, funds are disbursed—usually within one business day.
We’ll guide you at every step and ensure the terms are clear and manageable before you accept the loan.
At Ares Capital, we take responsible lending seriously. We only offer payday loans that are realistic to repay in full within the agreed timeframe. Our team will not recommend a payday loan if it puts you at financial risk.
Ms. Lee, a 33-year-old office manager, needed S$800 for urgent dental surgery. She approached Ares Capital, and we arranged a payday loan with a 4% monthly interest. Her total repayment a month later was S$832, with no hidden fees or penalties. She resolved her emergency without dipping into long-term savings.
We also offer refinancing options. If your situation changes and you need more time, we may help convert your payday loan into a personal loan with an extended repayment plan.
Payday loans are just one of the short-term financing solutions we offer. Depending on your needs, you may also consider:
Longer repayment periods and higher loan amounts.
Ideal for home upgrades and structured payouts.
Simplify multiple payments into one manageable plan.
Our loan officers can help you choose the right product based on your current situation and repayment ability.
If you're facing an urgent financial need and want a fast, legal, and transparent solution, our payday loan service may be right for you. Contact Ares Capital through our website form, by phone, or visit our office at 140 Paya Lebar Road #09-13 AZ @ Paya Lebar Singapore 409015. We're open Monday to Friday, 9 am to 5 pm.
We’re here to provide short-term relief, responsibly and clearly—so you can stay on track without stress.
Established in 2019, Ares Capital is a strategic boutique advisory firm specialising in mortgage and SME financing in Singapore. Backed by experienced former bankers and an extensive lender network, we provide structured approvals, competitive rates, and trusted long-term financial guidance.
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