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Small Cash LoansNeed funds fast? EZ Loan is licensed by the Ministry of Law. Apply online, message us on WhatsApp, or walk in to either branch.
How much do you want to borrow?
$1,000
$1,000
$100,000
Term (months)
6 months
1 mths
36 mths
Updated 29 June 2026
A fast cash loan is a short-term personal loan you can get without putting up any collateral. Where bank loans take days, a licensed moneylender disburses the money on the same day you’re approved. At EZ Loan Pte Ltd, you can borrow from $500 to $200,000, depending on your income and the borrowing limits set by the Ministry of Law. Repayment runs from 1 to 12 months. Most people use these loans for emergencies, medical bills, home repairs, education, or short-term business cash flow. Every licensed moneylender in Singapore must follow the Moneylenders Act (Cap 188). That means capped interest rates, capped fees, and a hard ceiling on total borrowing costs.
Apply Now - 20 Minutes Approval
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
29 Jun 2026
Application Submitted in last 30 days
4757
Processing Time average
9 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.
Fast Cash Loan: Same day approval (20 min at EZ Loan), $500-$200,000, 1-12 months tenure, up to 4% per month (capped), no collateral, licensed moneylender, regulated under Moneylenders Act. Personal Loan (Bank): 3-7 business days, $1,000-$200,000, 1-7 years, 3.5-10% p.a. (EIR), sometimes requires collateral, bank, MAS regulated. Payday Loan: Same day, $100-$1,500, until next payday, high rates (often unregulated), no collateral, often unlicensed, often unregulated. If you need money today and can’t wait days for a bank to get back to you, a fast cash loan fills that gap. Unlike payday loans, you get regulated interest rates and up to 12 months to repay, which makes budgeting far more manageable.
Up to 4% per month
Max 4% per month under the Moneylenders Rules set by the Ministry of Law. Interest is calculated on the reducing balance, so you pay less interest as you repay.
Varies (max 10% of principal)
Admin fees are capped at 10% of the loan principal by law. EZ Loan doesn’t charge early repayment penalties. Pay it off sooner and you’re done.
$60 per month (max $60)
The total cost of borrowing, including interest and all fees, can’t exceed 100% of the loan principal.
Capped at 100% of principal
This is a regulatory cap. Your total loan cost (interest plus all fees combined) will never exceed 100% of the amount you originally borrowed.
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.
Once your loan is approved, you can receive your cash in 30 minutes
Jun 08, 2026
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Dec 13, 2025
May 15, 2026
May 14, 2026
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.
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.
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.
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.
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.
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