Q. What exactly is a payday advance?

A payday advance is a small unsecured loan which is designed to meet your financial needs until your next payday. Essentially, you are making out a check for the advance amount, plus a fee, and this check will not be deposited by us until your next pay day. A personal payday advance is a great way to get the money you need without waiting until pay day.

Q. What is the maximum loan amount I can apply for?

For secured loans, you can obtain a loan of any amount. For unsecured loans, you can obtain:

  • Up to $3,000, if your annual income is less than $20,000;
  • Up to 2 months’ income, if your annual income is $20,000 or more but less than $30,000.
  • Up to 4 months’ income, if your annual income is $30,000 or more but less than $120,000.
  • Up to 10 times your income; if your annual income is $120,000 or more.

Note: The final approved loan amount is based on individual eligibility and a case by case basis.

Q. How long do I have to wait for approval?

Generally, if all documents are in order, the approval decision for payday advances takes about 15-20 minutes. The money from your payday advance will be directly deposited into your bank account immediately.

Q. Is there any obligation when I come in to apply for a loan?

You are under no obligation whatsoever when you stop in to apply for a loan. We will offer you our agreement for you to accept or deny.

Q. I have a bad credit history, can I still apply and get approved for a loan?

Factors such as income, direct deposit of your pay, past payday loan history and place of residence, may affect the approval of your payday advance. Your bad credit history will not affect our decision to finance you. Although this is determined on a case by case basis, we will do our best to customize a loan plan that suit your needs and your ability to pay.

Q. What do I need to bring to apply for the loan?

For Singaporean / Permanent Residents:

  • Identity Card
  • Proof of Residence (Recent Bill or Letter addressed to you.)
  • Remember your Singpass Password
  • Proof of Employment: (a) For Salaried Employed: Staff Pass or Recent Payslip (b) For Self­Employed: Notice of Assessment for the past 2 years
*Singpass password is to be keyed in at our office to show us your income for the past twelve months. No member of our staff will take or keep your password.

For E­Pass/S­Pass Holder:

  • Identity Card / Passport
  • Proof of Employment (Staff Pass, Company Pass, Recent Payslips & Employment Letter)
  • Proof of Residence (Tendancy Agreement)
  • Your E­PASS

Q. How do I pay back the money I borrowed on a cash advance loan?

Repayment of the payday advance will normally be deducted directly from your bank account on the due date of the loan, but you can always send us a money order or certified check if you choose. Money Order or Cashier's Check Payments must be received by your payday advance due date to ensure proper payment.

Q. What if I want to prepay my payday cash advance?

You may prepay your payday advance with us at any time prior to the maturity date without penalty. Funds must be received by the business day before your online cash advance due date to ensure payment in full by the contract maturity date. There is no rebate for early payment.

Q. What is the cost of a payday advance?

The cost of a payday advance from Super Cash is outlined on our Rates page. Please click the Rates tab for full details.

Q. Is my application secure?

Yes, absolutely. The safety and security of your personal information is very important to us and we utilize 128 bit SSL (Secure Sockets Layer) encryption to protect your sensitive information.

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