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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
Updated 30 July 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.
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
30 Jul 2026
Application Submitted in last 30 days
6397
Processing Time average
15 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.
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
Jul 07, 2026
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May 15, 2026
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EZ Loan's review record: 1,400+ Google reviews at 5.0 stars across two Singapore branches, plus Trustpilot verification. How to check if a moneylender is legitimate, what real borrowers report, and how to verify any lender before you borrow. By EZ Loan, Licence 19/2026.
A practical comparison of fast cash options in Singapore — licensed moneylenders, bank personal loans, credit card advances, and salary advances. What each costs, how fast you get funds, and how to avoid common mistakes. By EZ Loan, Licence 19/2026.
A complete guide for foreigners working in Singapore who need a loan — covering eligibility by pass type (Employment Pass, S Pass, Work Permit), MinLaw borrowing limits, required documents, costs, and what to expect at a licensed moneylender. By EZ Loan, Licence 19/2026.
Financial emergencies don't wait for business hours. Learn how 24-hour money lending actually works in Singapore, what to prepare, and how to apply online anytime with EZ 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.
Beach Road