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Small Cash LoansEZ Loan’s bad debt loans are designed to help individuals manage and overcome challenging financial situations, offering a fresh start toward a debt-free future. With our quick 20-minute approval, EZ Loan provides immediate funds for individuals struggling with bad credit, enabling them to handle pressing expenses or consolidate debts efficiently. Bad debt loans offer a flexible solution for those who may not qualify for traditional financing due to their credit history. As a licensed moneylender, EZ Loan ensures safe, transparent loan terms, making it easier for borrowers to regain financial stability with a manageable repayment plan. EZ Loan’s supportive team understands the unique challenges of bad debt, so we structure each loan to provide the assistance you need. We aim to offer financial relief that fits your situation, empowering you to take control of your finances confidently. Our team's understanding and support will help alleviate the stress often associated with financial difficulties.
How much do you want to borrow?
$1,000
$1,000
$100,000
Term (months)
6 months
1 mths
36 mths
Updated 8 August 2026
A bad debt loan is an unsecured loan for individuals with poor credit. Unlike conventional bank loans, bad debt loans are accessible even to those with low credit scores, making them a practical option for individuals looking to consolidate debt or address urgent financial needs. With fixed monthly instalments, bad debt loans empower borrowers to manage repayments predictably, providing a clear path toward financial recovery. These loans offer a way to handle expenses while gradually rebuilding credit, instilling a sense of control and confidence in your financial journey.
Start Your Application
Find out how much your repayments and interest rate could be with our calculator.
How much do you want to borrow?
$1,000
$1,000
$100,000
Term (months)
6 months
1 mths
36 mths
Interest % (Monthly)
Total Payment
Monthly Installment
Total Interest
LAST UPDATE
08 Aug 2026
Application Submitted in last 30 days
5321
Processing Time average
11 minutes
As a licensed money lender under the Registry of Moneylenders, we comply fully with the Moneylenders Act. This means you can trust that your funds come from a secure and reputable source.
Before offering a loan, we take the time to understand your unique financial situation. Our experienced team will clearly explain the terms and conditions of your loan, ensuring everything is straightforward. We're always here to answer any questions or concerns you may have.
Our service goes beyond simply lending money. With personalised loan plans and fast approval, you can rely on us to provide financial support when needed. We prioritise clear communication to ensure peace of mind at every step.
Your privacy and security are our top priorities. Our team adheres to strict data protection protocols, keeping your personal information, loan details, and documents confidential. We are dedicated to delivering excellent customer service throughout your loan process.
In Singapore, bad debt loans provided by licensed moneylenders offer a legal and accessible alternative to traditional credit options, especially for those who may struggle with poor credit histories. Unlike standard bank loans that often require extensive credit checks and lengthy approval times, EZ Loan’s streamlined 20-minute approval process makes it easy for clients to access the funds they need quickly. This rapid access to financing empowers individuals to address urgent financial obligations, consolidate debt, or catch up on missed payments, all while supporting their journey toward improved financial stability and independence. EZ Loan’s bad debt loans are designed for those facing credit challenges, providing a trusted solution promoting responsible financial rebuilding. EZ Loan’s bad debt loans come with flexible repayment terms tailored to each client’s financial situation, providing security and control. Borrowers can choose from convenient payment methods, including bank transfers, PayNow, and in-store cash payments, making managing and planning repayments easier. Our dedicated team offers personalised assistance, ensuring clients understand each step of the loan process and feel supported in their efforts to regain control over their finances.
EZ Loan is a licensed moneylender in Singapore (Licence 19/2026). We assess each application on its individual merits. Interest is capped at 4% per month under the Moneylenders Act.
EZ Loan holds Licence No. 19/2026 from the Ministry of Law. Verify our licence on the MinLaw registry at rom.mlaw.gov.sg. Visit our Beach Road or Marina Square branch for a fast loan decision.
Loan Approval
Required
Disbursed on the spot
by Registry of Moneylender
The minimum requirements for applying for a loan depend primarily on your citizenship, income level and age. We welcome Singaporeans/PRs and foreigners.
Besides banks, licensed money lenders are a great and legal alternative
to secure your loan in Singapore.
Singaporeans or PRs need to present the following:
NRIC SingPass Payslips for the last three months, if availableForeigners need to present the following:
Employment Pass/ S Pass / Work Permit with a minimum 6-month validity Passport Payslips for the last three months, if available Employment Contract
You can start your application online, visit one of our offices, or connect with us via WhatsApp—whichever is most convenient for you.
Visit one of our branches for a free consultation, present the necessary documents, and finalise the loan agreement.
Some approved loans may be disbursed on the same day. Timing depends on assessment, document verification and the required face-to-face identity verification.
Jul 07, 2026
Apr 13, 2026
May 15, 2026
Jul 08, 2026
Jun 15, 2026
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Beach Road
