Introduction: When Urgency Meets Inaccessibility

The festive season is a time of celebration — but it can also bring unexpected expenses. From Christmas shopping and travel plans to New Year festivities and year-end bills, your wallet might feel the strain.
Unfortunately, most banks and licensed moneylenders in Singapore are closed during Christmas and New Year’s public holidays, leaving many wondering where to turn for urgent cash assistance.

Here’s how to find a licensed moneylender open during Christmas and New Year, and what you should know before applying.

1. Why Borrowers Seek Loans During the Festive Period

The end of the year often comes with higher spending — gift exchanges, family gatherings, festive meals, and travel plans. In some cases, borrowers also need funds for overdue bills, school fees, or business cash flow before the new year begins.
An emergency loan from a licensed moneylender can help bridge these temporary gaps without resorting to unsafe, unlicensed sources.

2. Are Licensed Moneylenders Open During Christmas or New Year?

Most licensed moneylenders in Singapore close on public holidays, including Christmas Day (25 December) and New Year’s Day (1 January).
However, a handful of reputable moneylenders understand that financial emergencies can happen anytime — and therefore remain open on selected public holidays or offer extended hours during the festive week.

Trillion Credit is one such professional licensed moneylender. We are regulated by the Ministry of Law (MinLaw) and operate under strict lending rules, ensuring all transactions are legal, transparent, and safe.

3. How to Find a Licensed Moneylender Open During the Holidays

If you’re looking for a moneylender open during Christmas or New Year, here’s what you can do:

• Check Online Listings: Look for moneylenders that specifically advertise extended hours or public holiday availability.
• Search on Google: Use search terms like “licensed moneylender open during Christmas Singapore” or “loan available on New Year public holiday”.
• Visit Their Websites or Social Media Pages: Many licensed moneylenders update their festive schedules online.
• Contact Ahead: If possible, call to confirm operating hours before visiting the branch.

4. What Loans Are Available During the Festive Season?

Even during this festive season, we offer:
Personal Loans: For festive expenses, travel, or bills.
Emergency Cash Loans: For urgent, same-day disbursement.
Debt Consolidation Loans: To manage multiple repayments before the new year.

You can apply with just your NRIC, proof of income, and proof of address, and receive approval within minutes.

5. Tips for Responsible Borrowing During the Holidays

The joy of the festive season shouldn’t lead to long-term financial stress. Before taking a loan, consider:

• Borrow only what you need, not what you want.
• Understand the repayment schedule clearly.
• Avoid borrowing from multiple sources at once.
• Always verify that the moneylender is listed on the Registry of Moneylenders (MinLaw).

Final Thoughts

Finding a licensed moneylender open during Christmas and New Year in Singapore can be a lifesaver when you’re short on funds during the festive rush. Choose a reputable lender like Trillion Credit who operates legally and offers clear terms — so you can enjoy the holidays with peace of mind.

📞 Need urgent financial help this Christmas or New Year?

Look no further! We’re one of the few licensed moneylenders in Singapore open on public holidays, including the festive season. Apply today for a fast, safe, and same-day loan approval — and start the new year on the right foot.

Walk into our branch or apply online anytime.
We’re here to provide fast, transparent, and legal cash loans.

📱 Call us at 65090111
📝 Or apply now at https://trillioncredit.com.sg/apply-for-loan/