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Small Cash LoansEZ Loan’s borrow money online option is designed for those who value time and convenience. Our lightning-fast 20-minute online approval process means you can apply for and receive funds without leaving your home, saving you precious time for your busy schedule. Online borrowing, especially through a licensed moneylender like EZ Loan, is a secure and reliable way to manage your finances. Our process is designed to be simple and accessible, while ensuring your data and transactions are always protected. Our user-friendly online application and fast digital processing make it easy to borrow money online. We are also committed to transparency and excellent customer service. With EZ Loan, online borrowing is hassle-free and reliable.
How much do you want to borrow?
$1,000
$1,000
$100,000
Term (months)
6 months
1 mths
36 mths
by EZ Loan Pte Ltd
Updated 13 September 2026
Online borrowing is a straightforward process. It involves using a digital loan application to apply for and receive funds through online channels. This method offers a fast, secure way to access cash, making it an ideal choice for clients seeking convenience and speed. Borrowing money online is often used for emergency expenses or time-sensitive needs. The digital process allows for quick approval and disbursement, helping clients manage their finances without delay.
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
In Singapore, borrowing money online through licensed moneylenders is a legal, efficient way to access funds. EZ Loan’s online loan application is fast and secure, allowing clients to receive funds within 20 minutes, making it ideal for urgent financial needs. EZ Loan’s online borrowing offers flexible repayment options, including PayNow, bank transfer, and direct cash options, to suit each borrower’s preferences. Our experienced team is here to make online borrowing smooth and supportive, backed by transparent terms and responsive digital service.
EZ Loan is a licensed moneylender in Singapore (Licence 19/2026). Apply online or visit our Beach Road or Marina Square branch. Interest 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.
Application processing/completion
Verification required
Decision or disbursement
Ministry of Law · 19/2026
Application processing/completion can be under 10 minutes for eligible applications with complete documents. Some completed applications may receive a same-day lending decision, and some approved loans may be disbursed on the same day, subject to assessment, document verification, face-to-face identity verification and signing.
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.
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.
LAST UPDATE
13 Sept 2026
Application Submitted in last 30 days
5949
Processing Time average
13 minutes
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
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.
Jun 23, 2026
Apr 13, 2026
Jul 08, 2026
Jun 15, 2026
Aug 07, 2026
Credit 21 advertises rates that may start from 1% per month from one registered office at International Plaza. EZ Loan publishes a 0.82% starting rate and two registered branches. Compare the licence, the written offer and the total amount payable before you sign.
Lending Bee has four registered branches but publishes the 4% legal ceiling on its personal loan and conflicting tenure figures across products. EZ Loan publishes a 0.82% starting rate and one set of terms. Compare the licence, the written offer and the total amount payable.
Raffles Credit advertises 1–4% from one office at Circular Road and says an interest discount applies on early settlement, without publishing the amount. EZ Loan publishes a 0.82% starting rate and early full settlement at no extra cost. Compare the written terms.
Compare EZ Loan and Cash Direct by approved locations, application routes, public rate wording and written repayment terms before applying.
What changes from 15 September 2026: eligible loans, three business days, no interest and approval-fee retention limits.
Beach Road
