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Contracts Act 1872 (Chapter 53): Primary legislation governing contract formation, validity requirements, and rights/obligations of contracting parties in Singapore. Essential for ensuring the credit agreement meets basic contractual requirements.

Moneylenders Act (Chapter 188): While not directly applicable to unregulated credit, important to understand its scope to ensure the agreement doesn't inadvertently fall within regulated lending activities and maintains proper exemption status.

Banking Act (Chapter 19): Relevant for ensuring the credit arrangement doesn't constitute unauthorized banking activity under Singapore law. Helps define boundaries of permissible lending activities.

Consumer Protection (Fair Trading) Act: Provides framework for fair trading principles that may apply even in unregulated credit agreements. Ensures consumer protection standards are maintained.

Personal Data Protection Act 2012: Governs the collection, use, and disclosure of personal data in Singapore. Relevant when collecting borrower's personal information as part of the credit agreement.

Civil Law Act (Chapter 43): Contains provisions regarding interest rates and enforcement mechanisms in Singapore. Important for structuring interest charges and enforcement terms in the credit agreement.