Privacy Policy

Please read these Terms and Conditions carefully. By accessing this web site and any other pages contained therein, you agree to be bound by the Terms and Conditions below. If you do not agree to the Terms and Conditions below, do not access this web site, or any pages thereof, or apply for a loan.

In respect of your application, your information which is received via email or via land line telephone/fax will be stored and processed by us. With the information which you have provided to us via our online loan application form, email, or application via telephone or fax or other means of communication, we may (at our discretion) use the information and/or documents which you have provided to us such as your name and ID number to conduct various due diligence checks with Credit Reference Companies, Fraud Prevention Authorities or other organisations which you have previously applied for a loan or have dealt with.

The purpose of these checks is to verify and ascertain your credit standing as well as to understand how you have managed your account(s) in the past. Information which we will consider include (but is not limited to) your transaction history with banks and financial institutions and may possibly extend to understanding your relationship with moneylenders or other institutions which have provided you with an unsecured loan previously.

We will use your information for research, assessment and analysis (including credit and/or behavior scoring, market and product analysis) for purposes of granting you a loan.

We undertake not to share and/or sell any of your information to third parties before your agreement to take up a loan from us. If you have agreed to take a loan from us, you must agree in writing to share your personal information to third parties, such as credit reference Company, fraud prevention authorities or other organisations before your loan is disbursed.

The contact number and email provided by you will be used as the primary means of communications between yourself and our company in respect of the loan which you have applied for. We will not sell, share or use your personal particulars for any marketing or any other purpose. Any information which you provide us will be kept strictly confidential. Telephone conversations may be recorded and/or monitored for quality purposes.

Credit Reference Company and Fraud Prevention Authorities

When a Credit Reference Company receive a search request from us and proceeds to conduct a search, a search footprint on your credit file that may be seen by other lenders, financial institutions or banks. The Credit Reference Company supplies both public and shared credit and fraud prevention information.

Information on your loan disbursed details and your personal informations will be sent to CRAs will be recorded by them. Where you borrow from us, we will give details of your accounts and how you manage it/them. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs, to perform similar checks and to trace your whereabouts and recover debts that you owe. Records of accounts remain on file after they are closed, whether settled by you or defaulted

We reserved the right to amend, add and delete the terms and conditions without prior inform and to share with more Credit Reference Companies, Fraud Prevention Authorities and other organisations for your Credit Reference, Personal details loan amount when you agreed to take up a loan from us with at your own discretion.

When you apply for a product or service you undertake that all the information you have given is true and complete. You confirm that you authorise us to obtain the following information:

a) Your background;
b) Credit reference authorities.

I undertake that in the event any information becomes inaccurate or misleading or changed in anyway whether before or after this application is approved or whilst the facility is outstanding. I shall promptly notify The Company of any such Changes and at the time of this application, I am not an undischarged bankrupt and there has been no statutory demand served on me/us nor legal proceedings commenced against me.

If false or inaccurate information is provided and fraud is identified, details will be passed to the relevant Fraud Prevention Authority. Law enforcement authorities may then access and use this information for their investigation.

Your Right to Personal Information
You have the right to know what personal information we hold about you and to whom it has been disclosed. Please write to confirming that you are making a request for your personal information. We do not charge you this fee.
If any information we hold is inaccurate, please inform us and we will make the necessary amendments and confirm to you have that these have been made.

You can request by email to opt out to store your data or delete your data after you had applied via online anytime by email us.

CYS Credit Pte Ltd aims to comply with requests for access to personal information as quickly as possible, but within 30 days and will reply you by email.

Our Email:

Loan Packages
Personal loan, Payday Loan, Foreigner Loan and Low income Loan are loan Packages designed and named by CYS Credit Pte Ltd with the intention of giving flexibility repayment, competitive interest and easy categorize for different customer needs.

Debt Recovery
We encourage customers to inform us if before their due date they got difficulty in paying the loan amount. Any loan amount in default or outstanding will be assigned to third party company such as debt collector company which is approved by Ministry of Moneylender to collect on behalf of CYS Credit Pte Ltd. We are not responsible of whatever and indemnify our company against all claims, suits, demands, damages, liabilities, costs or expenses arising in any way out of or in any way connected to our debt collector company action.
If you are not comfortable with the arrangement, we encourage you not to take up a loan with us.

The Intellectual Property Rights in this website and the materials on or accessible via it belong to CYS Credit Pte Ltd. This website and the materials on or accessible via it and the Intellectual Property Rights therein may not be copied, distributed, published, licensed, used or reproduced in any way unless is for the purposes of, accessing and using this website). and the Logo are trademarks which belong to CYS Credit Pte Ltd and they may not be used, copied or reproduced in any way without written consent from CYS Credit Pte Ltd

To know more about borrowing, please refer to 

Credit Reference Company refer to: Credit Bureau Singapore, Dun & Bradstreet (Singapore) Pte Ltd. Fraud Prevention Authorities refer to: The Police Force, CPIB or Government Authorities of Singapore. Other organisations refer to: Third parties such as,


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