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Small Cash LoansEZ Loan’s credit card consolidation loans offer a practical solution for individuals struggling with multiple high-interest credit card balances. With fast 20-minute approvals, EZ Loan allows clients to streamline their debt by combining multiple credit card payments into a single, manageable monthly instalment, often at a lower interest rate. Credit card consolidation loans provide financial clarity by reducing the burden of juggling various monthly payments and interest rates. By consolidating your credit card debt, you can regain control of your finances with structured, predictable payments, paving the way to a debt-free future. EZ Loan’s professional team is dedicated to helping clients achieve financial relief and stability through credit card consolidation. With transparent terms and flexible repayment plans, EZ Loan’s consolidation loans simplify debt management, giving you peace of mind.
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 10 September 2026
A credit card consolidation loan is a financing option that merges multiple credit card balances into a single loan. This type of loan typically has a lower interest rate than credit cards, helping borrowers reduce overall debt and make monthly payments more manageable. With fixed monthly instalments, credit card consolidation loans allow borrowers to tackle their debt in a structured, simplified manner. This financing approach can be a lifeline for those facing high-interest credit card balances, enabling more efficient budgeting and debt management.
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
10 Sept 2026
Application Submitted in last 30 days
6226
Processing Time average
14 minutes
Credit card consolidation loans are available from licensed moneylenders in Singapore. They offer a reliable option for those seeking to reduce their debt. EZ Loan’s fast approval process means clients can receive a consolidation loan within minutes, ensuring immediate steps toward a debt-free future. EZ Loan provides flexible repayment schedules and affordable interest rates, making consolidating and managing debt easier. With our experienced team’s support, credit card consolidation with EZ Loan is an efficient way to achieve financial freedom while avoiding high-interest credit card payments.
EZ Loan is a licensed moneylender in Singapore (Licence 19/2026) offering credit card debt consolidation loans. One manageable monthly repayment. Interest capped at 4% per month.
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.
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.
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
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
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What changes from 15 September 2026: eligible loans, three business days, no interest and approval-fee retention limits.
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Beach Road
