You can take out a personal loan even with an unfavourable credit score. You may have trouble qualifying for a traditional bank loan, where poor credit indicates a high-risk loan candidate. However, licensed moneylenders in Singapore are more lenient with applicants’ credit history.    At Quick Loan, for example, our requirements for loan applications are minimal and straightforward. If you need cash urgently, legitimate licensed moneylenders like us are an excellent alternative to banks.  We’ll help you find a loan that works best for your unique situation, such as funds for big-ticket items like education.