Mon - Sat : 11am - 7pm

phone number+65 6291 2832whatsapp number+65 9169 6295
Insights

Apply For a Debt Consolidation Loan Today

EZ Loan offers debt consolidation loans to help individuals manage multiple high-interest debts by combining them into a single, affordable monthly payment. This approach simplifies finances, reduces stress, and can potentially lower your overall interest rate. As a licensed moneylender in Singapore, EZ Loan provides a streamlined, reliable alternative for those looking to regain control of their financial obligations. What is the main benefit of an EZ Loan debt consolidation loan? Flexibility. Unlike traditional loans that may have strict conditions, our debt consolidation loans are tailored to each individual’s financial situation. With competitive interest rates and an easy application process, EZ Loan enables borrowers to refinance and reduce their financial burden, freeing up more cash flow for other priorities. We emphasise transparency and guidance, with a dedicated team ready to assist clients through each stage of the process. From understanding loan terms to planning a repayment schedule, EZ Loan makes debt consolidation a supportive and straightforward experience, helping clients achieve long-term financial stability.

Apply Online, Quick and Easy with EZ Loan

How much do you want to borrow?

$1,000

$1,000

$100,000

Term (months)

6 months

1 mths

36 mths

Apply Now - 20 Minutes Approval
hero-bghero-bg
icon

Updated 25 June 2025

What Are Debt Consolidation Loans?

A debt consolidation loan is a financial tool that combines multiple debts into a single loan, often at a lower interest rate. This makes managing monthly payments more accessible and may reduce the overall interest paid. By consolidating debts, borrowers can simplify their finances, as they no longer need to keep track of multiple due dates and varying interest rates. The main advantage of debt consolidation loans is reducing financial stress and potentially lowering monthly payments. Licensed moneylenders like EZ Loan provide a faster, more accessible option than traditional banks, making these loans an excellent choice for those seeking immediate relief from high-interest debts.

Apply Now - 20 Minutes Approval
image

Personal Loan Calculator

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

$0

Monthly Installment

$0

Total Interest

$0

Track Today’s Application Submitted and Processing Time

LAST UPDATE

25 Jun 2025

Application Submitted in last 30 days

6631

graph image
ezloan logo round

Processing Time average

15 minutes

graph image
ezloan logo round

Why Take a Debt Consolidation Loan With Us

Arrow Down

Flexible Loan Plans

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.

Arrow Down

Affordable and Transparent Repayments

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.

Arrow Down

Quick Access to Funds

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.

Arrow Down

Guaranteed Privacy and Exceptional Service

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.

Understanding Debt Consolidation

Flexible Consolidation Plans for Every Situation

In Singapore, debt consolidation loans are available from banks, financial institutions, and licensed moneylenders. EZ Loan provides a fast, legal solution for debt consolidation, helping you simplify finances and reduce interest costs. With loan approval times as short as 20 minutes, our debt consolidation loans allow you to take charge of your debt management quickly and effectively. Our consolidation loans are designed to help you pay off multiple debts in one affordable monthly instalment. EZ Loan offers flexible repayment terms and multiple payment methods, making repayment straightforward and manageable. Our experienced team is here to support you and provide the financial relief you need.

about us background image

We’re Ready to Support Your
Financial Needs

30-minute

Loan Approval

No Guarantor

Required

Cash

Disbursed on the spot

Licensed

by Registry of Moneylender

Eligibility Criteria

The minimum requirements for applying for a loan depend primarily on your citizenship, income level and age. We welcome Singaporeans/PRs and foreigners.

At least 21 years of age

With a minimum monthly salary of SGD 2,000

Besides banks, licensed money lenders are a great and legal alternative
to secure your loan in Singapore.

Documents We’ll Need

Singaporeans/PR

Singaporeans or PRs need to present the following:

  • check-mark NRIC
  • check-mark SingPass
  • check-mark
    If renting, provide both:
    • Your tenancy agreement
    • Proof of address such as your phone bill or utility bill
  • check-mark Payslips for the last three months, if available

Foreigners

Foreigners need to present the following:

  • check-mark Employment Pass/ S Pass / Work Permit with a minimum 6-month validity
  • check-mark Passport
  • check-mark
    Residence information in the form of both:
    • Phone bill or utility bill
    • Tenancy agreement
  • check-mark Payslips for the last three months, if available
  • check-mark Employment Contract

3 Easy Steps - Loan Application Process

Apply Anytime

You can start your application online, visit one of our offices, or connect with us via WhatsApp—whichever is most convenient for you.

Book a Consultation

Visit one of our branches for a free consultation, present the necessary documents, and finalise the loan agreement.

Collect Your Cash

Once your loan is approved, you can receive your cash in 30 minutes

Loans for All Circumstances

Browse different loan types to learn more

Why do Singaporeans choose us
as their go-to moneylender?

Read our reviews on Google or check recent ones below.

Star
StarStarStarStarStar

Jun 17, 2025

Shania has been a great help to my needs. She was kind in guiding me through the steps of the loan process. Thank you very much!

Luckycat Meowmeow888
Star
StarStarStarStarStar

Mar 24, 2025

Highly recommended. Easy and hassle-free transaction from the very beginning via ws chat. Friendly and helpful officer, especially Len. His explanation and assistance is clear, concise and extremely helpful. This is a place that really genuinely assist people who require emergency fund. The office is clean and comfortable. Makes you feel at ease amd easy to communicate. Thanks EZLoan.

NR
Star
StarStarStarStarStar

Jun 04, 2025

I'm really impressed with the service I received! This place prioritizes privacy, which made me feel comfortable throughout the entire process. The team is also super responsive via WhatsApp, and their replies are lightning-fast. The entire process was efficient and hassle-free, thanks to their professionalism and speed. Highly recommend!

Ida Maya
Star
StarStarStarStarStar

Jun 11, 2025

I had a great experience borrowing from this moneylender. My relationship manager, Shania, was very helpful, patient, and approachable. She guided me through the process clearly and made everything feel smooth and stress-free. Really appreciate her professionalism and warm attitude!

Emily with love
Star
StarStarStarStarStar

Jun 16, 2025

🌟🌟🌟🌟🌟 “Exceptionally Fast and Friendly Service!” I had an urgent need for a personal loan and was nervous at first, but the staff at EZ Loan Beach Road were incredibly professional and kind. From the moment I walked in, I was greeted warmly and made to feel at ease. The process was very clear and transparent – they explained the terms thoroughly and answered all my questions patiently. I was especially impressed by how fast everything moved. I submitted my documents and got approval in under 20 minutes. The disbursement was quick too – I walked out with the funds I needed in less than 40 minutes. A big thank you to the loan officer who assisted me – very respectful, non-judgmental, and genuinely helpful. If you’re looking for a trustworthy and efficient moneylender in Singapore, I highly recommend this branch. ⭐

Nesvar Subramaniam

Frequently Asked Questions

A debt consolidation loan combines multiple debts into one with a single monthly payment, simplifying finances and potentially lowering interest.

Get Expert Insights On Money Management

Visit our blog and get practical tips on smart borrowing

Blog images

Navigating Financial Landscape: When to Consider a Personal Loan

In today’s fast-paced world, managing finances can sometimes feel like navigating through a dense fog. Whether it’s an unexpected medical bill, a sudden need for car repairs, or the desire to consolidate high-interest debt, personal loans can serve as a beacon of hope. However, the decision to take out a personal loan shouldn’t be made lightly. Here’s a comprehensive guide to help you understand when it might be beneficial to consider a personal loan.

Blog images
Blog images

How to Identify Licensed vs. Unlicensed Moneylenders?

Sudden and unforeseeable situations can arise without warning, possibly out of our control too. Such situations can sometimes impair our ability to make sound judgment and decisions calmly and logically. Taking up a loan may be mandatory but because we are sometimes overtaken by our emotions, we may end up borrowing from an unlicensed moneylender. Hence, EZ Loan Pte Ltd is here to provide help and assistance for your needs. As such, EZ Loan Pte Ltd has come up with a guide that will help you in your judgment in determining whether the moneylender you are keen in, is a licensed or unlicensed moneylender, so that you can borrow legally and worry free with us.

Blog images
Blog images

Moneylender Rates & Fees: How Much Can They Charge?

Wondering how much does it cost for a personal loan from a legal moneylender? This article will answer your questions. For all licensed moneylenders in Singapore, the loan amounts and charges are drafted and calculated by adhering strictly to the rates and charges which are allowed, and stated by the Ministry of Law.

Blog images
Blog images

How to Get a Wedding Loan in Singapore? 101 Guide

Planning your dream wedding can be both an exciting and stressful affair. Between choosing the perfect venue, and finding that show-stopping dress, wedding costs can quickly snowball. But that shouldn’t affect your happily ever after! The solution? Short-term personal loans! In this comprehensive guide, our loan experts at EZLoan explore how you can apply for a wedding loan in Singapore – a helpful financial tool that can bridge the gap between your dream wedding and reality.

Blog images
Blog images

The Entrepreneur’s Guide to Securing a Business Loan with EZ Loan

At EZ Loan, we understand the unique challenges and opportunities that entrepreneurs and small business owners face in Singapore. Securing a business loan is a critical step for many businesses looking to scale, innovate, or simply manage cash flow more effectively. We’re here to guide you through this process, making it as straightforward and beneficial as possible.

Blog images
View All Insights