EZ Loan vs 1-Cash: Rates, Google Reviews and What to Compare Before You Apply (2026)

Publisher disclosure: EZ Loan publishes this comparison. It is general information, not financial advice or a personalised offer. Verify current details directly and read the complete contract before signing. Source and date note: This comparison was refreshed on 12 September 2026. The Registry reference is the list dated 1 September 2026; lender, marketplace and review information is a public snapshot checked on 12 September 2026 unless a section gives another date. Pages, offers and reviews can change, so verify current details before applying.

Comparing EZ Loan and 1-Cash? The most useful comparison is not simply which lender appears first or has the most reviews. Check the current licence, compare the displayed aggregator information carefully, request written terms for the same loan amount and repayment period, and review the total amount payable before signing. [1] [3] [5] [4]

EZ Loan and 1-Cash are separate licensed moneylending businesses. The Ministry of Law Registry dated 1 September 2026 lists EZ LOAN PTE. LTD. under Licence 19/2026 and 1 - CASH PTE. LTD. under Licence 32/2026. [1] [3] [5] [4]

The same Registry lists 1-Cash at 8, Tampines Central 1, #01-17, Eastlink Mall, Singapore 529543. Use the current Registry and each lender's official website to confirm identity and location before travelling. [1] [5]

The fairest comparison uses the same requested principal and repayment period. Ask both lenders for the interest basis, permitted fees, repayment schedule and total amount payable in writing. MinLaw borrower guidance says to understand these terms before signing. [3]

Public comparison pages and review profiles can be useful starting points, but their figures and content are snapshots. EZ Loan's Trustpilot profile is an additional source to inspect; this article does not treat review volume or a displayed rate as proof that one lender is better or cheaper. [4] [7]

The table is a verification worksheet, not a winner ranking.

When comparing EZ Loan and 1-Cash review information, treat profiles as reported experiences rather than a ranking. Review themes and counts can change, and they do not establish affordability, approval or the rate in a personal offer. [5] [4]

EZ Loan's Trustpilot profile is an additional review-platform source checked on 26 August 2026. For 1-Cash, check the current official information and any current review profiles yourself. Compare the date, subject matter and relevance of comments instead of assuming two platforms or two lenders are directly comparable. [5] [4] [7]

EZ Loan may fit a borrower who finds one of its Registry-listed places of business convenient or who wants to compare its public information before requesting a written offer. That is a practical fit consideration, not proof of a lower rate, faster approval or better outcome. [1] [4]

Use the same requested amount and repayment period when asking 1-Cash and EZ Loan for written terms. Compare the amount received, permitted fees, instalments, due dates and total repayment before deciding. [3] [5] [4]

A fair article should also explain where 1-Cash may suit someone better. [5]

1-Cash may be more convenient if you live or work in Tampines, prefer its stated online-to-office process, or place more weight on the larger review count displayed by SingSaver. [5] [6]

Its public page also displays a monthly interest range and an “as little as 20 mins” statement, subject to its terms and conditions.

These are reasons to investigate 1-Cash, not evidence that it will be cheaper or faster for you. The written offer remains the deciding evidence. [5]

Open the current Ministry of Law list directly. For this research snapshot, the Registry records EZ LOAN PTE. LTD. with Licence 19/2026 and 1 - CASH PTE. LTD. with Licence 32/2026. [1] [3] [5] [4]

Match the:

• business name;

• licence number; [1]

• approved business address; and [1]

• website.

If a message, advertisement or website gives a different business name or sends you to a different domain, pause and verify it independently.

The Registry’s borrower guidance says not to rely only on an advertisement. Borrowers should receive an explanation of the contract and a copy of it, and should be satisfied with the terms before committing. [1] [3]

Do not compare two different examples and assume one is cheaper. Ask both lenders for terms based on the same:

• requested principal;

• repayment period; [3]

• repayment frequency; [3]

• income and eligibility information; and

• proposed date of disbursement, if relevant.

Then place the written offers beside each other. Look for:

• the amount you receive;

• the interest basis;

• any upfront administration charge;

• late-payment charges; [3]

• each repayment date; and [3]

• the total amount payable. [3]

EZ’s existing rates-and-fees guide explains the statutory limits that apply to licensed moneylenders. Its instalment guide says a clear repayment schedule should show each payment date, the amount due, the remaining principal, interest, permitted fees and the total amount payable under the contract. [1] [3]

A public processing-time statement is not a promise about an individual application. 1-Cash's official website may describe its current application route and timing; confirm what the statement includes, whether in-person verification is required and what documents you need before relying on it. [5]

The Registry snapshot lists EZ Loan’s Beach Road and Marina Square places of business and 1-Cash’s Tampines address. [1] [5] [4]

Use these details to plan a safe visit, not to assume that a branch location proves every other claim. A licensed lender still needs to explain the contract and the applicable charges. [1] [3]

Do not:

• hand over account passwords;

• sign a blank or incomplete contract; or [3]

• accept a loan without understanding the terms.

Ask both lenders:

1. What is the exact amount I will receive after any permitted upfront deduction?

2. What is the repayment amount and date for every instalment? [3]

3. How is interest calculated as the principal is repaid?

4. Which fees apply if I pay late or settle early?

5. What is the total amount payable if I follow the schedule? [3]

6. Where will the face-to-face identity verification take place?

7. Will I receive a copy of the completed contract and receipts for repayments? [3]

If you cannot explain the offer back in your own words, do not sign yet. The Ministry of Law advises borrowers to understand the contractual terms and shop around before committing. [3]

Is EZ Loan the same company as 1-Cash? [5] [4]

No. The Registry lists separate legal entities, licence numbers and business addresses. [1]

Where is 1-Cash registered? [5]

The Registry dated 1 September 2026 lists 1 - CASH PTE. LTD. at 8, Tampines Central 1, #01-17, Eastlink Mall, Singapore 529543. [1] [5]

Can I compare a public rate with my written offer?

Use public rates or repayment examples only as dated reference points. Ask each lender for written terms using the same amount and repayment period, then compare permitted fees and total repayment. [3]

How should I read review information?

Review profiles describe reported experiences and can change over time. Compare recent themes and dates rather than treating star ratings or counts as a suitability test.

What is the fairest way to compare the two lenders?

Verify each business against the current Registry, confirm the in-person process, compare equivalent written offers and read the complete contract before signing. [1] [3]

Write down the amount you need and the repayment amount you can manage without missing essential expenses. Ask EZ Loan and 1-Cash for written terms based on the same amount and repayment period. [3] [5] [4]

Compare the amount received, total repayment, instalment dates, interest basis, permitted fees and late-payment consequences. Verify the lender identity and approved address against the current Registry, then read the complete contract before signing. [1] [3]

• [1] MinLaw Registry — snapshot dated 1 September 2026; checked 12 September 2026

• [2] MinLaw list of licensed moneylenders — checked 12 September 2026

• [3] MinLaw borrower guidance — checked 12 September 2026

• [4] EZ Loan official website — checked 12 September 2026

• [5] 1-Cash official website — checked 12 September 2026

• [6] SingSaver alternate-lender comparison — checked 12 September 2026

• [7] EZ Loan Trustpilot profile — snapshot checked 26 August 2026