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Notes to Borrowers: Smart Money Pages aims to be a No.1 business directory in Singapore. We hope you can enjoy all the available services and goods listed here. We make sure that all advertisers featured in our web directory are evaluated and chosen carefully, particularly those that are already licensed by government authorities in the country. Although not all companies or financial institutions are featured in our directory, we make sure that you understand our policies well. This will enable you to know exactly what your options are, so you can also make the best decision.You need to understand ahead of time if there are additional fees involved upon the approval of your loan. It also helps if you ask about other issues such as penalty fee or late interest, as well as the method used in calculating and charging these fees.You should also be aware of the company’s guidelines and renewal policies, particularly if you have a plan of renewing your facilities in the institution. Most importantly, ask how default or delayed payment can impact your credit scores. At Smart Money Pages, we advise all borrowers to be prudent when they submit their loan application. After all, it is never practical to over-commit on a loan that you may not even be able to repay, specifically with short term loans involving a high interest rate. For more information, please visit IPTO website – Guide to Borrowing from Licensed Moneylenders here.