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Small Cash LoansYes, foreigners working in Singapore can get a personal loan. Licensed moneylenders regulated by the Ministry of Law lend to foreign workers on valid Employment Passes, S Passes, and Work Permits. Some banks also offer personal loans to foreigners, though their income requirements are typically higher. Your eligibility, borrowing limit, and document requirements depend on the type of work pass you hold. This guide covers who qualifies, what it costs, what documents you need, and how moneylender loans compare with bank options for foreigners in Singapore. It's written for anyone on a work pass who's considering borrowing and wants to understand their options before applying. Last updated: July 2026
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 18 September 2026
A foreigner loan is an unsecured loan available to non-citizens in Singapore. Unlike bank loans, which may have stricter eligibility requirements, foreigner loans from licensed moneylenders offer a quick and accessible financing option for those needing immediate cash flow. Foreigner loans generally cover living expenses, medical bills, education costs, or other financial obligations. With structured monthly repayments, these loans are easy to manage, helping foreigners address their financial needs without added stress. The Ministry of Law sets borrowing limits for foreigners based on annual income. Foreigners earning less than $10,000 per year can borrow up to $500 across all licensed moneylenders combined. Those earning between $10,000 and $19,999 can borrow up to $3,000. Foreigners earning $20,000 or more can borrow up to six times their monthly income. These limits are aggregate — they apply to the total amount owed across all licensed moneylenders, not per lender. EZ Loan accepts Employment Pass, S Pass, and Work Permit holders, as well as self-employed foreigners with proof of income.
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
18 Sept 2026
Application Submitted in last 30 days
5222
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.
Licensed moneylenders in Singapore offer foreigner loans, providing a legal and accessible financing solution for non-citizens. Designed to meet the unique financial needs of expats, these loans are an ideal choice for those who may not qualify for traditional bank financing. With EZ Loan’s efficient approval process, expats can access funds within minutes, promptly supporting unexpected expenses or essential needs without the usual delays. EZ Loan’s foreigner loans are tailored to be quick, convenient, and highly flexible. Our customer-focused team offers a variety of payment options, including PayNow, bank transfer, and in-person cash payments, allowing borrowers to select the method that best suits their lifestyle and preferences. With transparent terms and competitive interest rates, EZ Loan provides a straightforward lending experience, helping foreigners manage their financial commitments with confidence and ease. Our dedicated team is here to support each client through every step, ensuring that accessing funds in Singapore is stress-free, reliable, and suited to the financial needs of non-citizens.
EZ Loan is a licensed moneylender (Licence 19/2026) serving Employment Pass, S Pass, and Work Permit holders in Singapore. Interest is capped at 4% per month under the Moneylenders Act.
Visit our Beach Road or Marina Square branch with your passport, work pass card, and recent payslips. Our loan officers will walk you through eligibility and terms. No obligation to proceed after your application review.
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.
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.
Jun 23, 2026
Aug 28, 2026
Jul 08, 2026
Jun 15, 2026
Aug 07, 2026
Related resources:
documents you need to apply
Credit 21 advertises rates that may start from 1% per month from one registered office at International Plaza. EZ Loan publishes an advertised rate as low as 0.82% per month for eligible applicants 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 an advertised rate as low as 0.82% per month for eligible applicants 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 an advertised rate as low as 0.82% per month for eligible applicants 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, reviews 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