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

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.

EZ Loan and 1-Cash are separate licensed moneylending businesses. The Ministry of Law Registry snapshot used for this article records EZ LOAN PTE. LTD. under Licence 19/2026 and 1-CASH PTE. LTD. under Licence 32/2026.

There is useful third-party comparison information for both lenders. SingSaver’s alternate-lender comparison page, updated 10 August 2026, displayed EZ Loan at 9.88%, with a displayed monthly repayment of S$92 and total cost of loan of S$99. On the same page, it displayed 1-Cash at 10.56%, with a displayed monthly repayment of S$92 and total cost of loan of S$106.

For EZ Loan’s Google review position, the review panel captured for this comparison shows 5.0 on Google, “Trusted by over 1,500 customers” and “Over 1,500 reviews”. EZ Loan operates two branches at Marina Square and Beach Road. The panel figure is useful context, but it does not establish that EZ Loan is better than 1-Cash or that every borrower will have the same experience.

EZ Loan also has a public Trustpilot profile. The Trustpilot page reviewed for this article showed an Excellent 4.7 out of 5 from 37 reviews, including 30 reviews in the previous 12 months. We did not locate a comparable 1-Cash Trustpilot profile in the Trustpilot search reviewed on 26 August 2026, so this should be described as an additional review-platform presence—not proof that EZ Loan is better or that 1-Cash has no customer feedback elsewhere.

Those figures make the page more useful than a generic “both are licensed” comparison, but they still do not tell you what your own offer will be. The extracted comparison page does not provide enough context to use the S$92/S$99/S$106 figures as a personal loan illustration. Treat them as a dated marketplace snapshot, not as a promise or a like-for-like quotation.

A fair personal comparison should use the same requested principal, repayment period and borrower information. Then compare each written offer’s repayment dates, interest calculation, permitted fees, late-payment terms and total amount payable. The Ministry of Law advises borrowers to shop around and understand the repayment schedule, interest rate and fees before signing.

SingSaver: EZ Loan and 1-Cash are both visible

SingSaver’s 10 August 2026 alternate-lender page displays both EZ Loan and 1-Cash.

A separate SingSaver fast-cash comparison page, updated 10 August 2026, gives a more detailed EZ Loan example based on a S$10,000 loan over 36 months. It displays:

• prevailing interest rate: 9.88%;

• monthly repayment: S$360;

• total interest: S$2,964; and

• SingSaver-displayed EIR label: 9.88% p.a.

The same page labels the information as reference-only and says actual rates are based on credit score and provider approval. It also displays a 10% administrative fee for EZ Loan.

The important point is that this is an example displayed by SingSaver, not EZ Loan’s universal rate card. The displayed monthly repayment and total-interest figures do not by themselves validate the displayed EIR label, so this article does not independently calculate or endorse that EIR. The amount, tenure, assumptions, eligibility and fee treatment must be checked before comparing it with another lender’s offer.

LendingPot: an EZ reference, but no verified current EZ rate card found

LendingPot’s editorial page about licensed moneylenders in Central Singapore includes EZ Loan and discusses its two central branches, online starting process and in-person verification.

However, the current LendingPot personal-loan comparison page reviewed on 26 August 2026 publishes comparison examples for bank products and general loan information; it does not provide a verified, current EZ Loan rate row that can be fairly compared with 1-Cash.

That means this article should say:

• EZ Loan has a visible third-party reference on LendingPot’s editorial content; but

• no current LendingPot EZ Loan rate should be quoted here unless the rate is captured from a live, attributable offer with its assumptions and date.

Do not confuse LendingPot with a lender. LendingPot describes itself as a loan-matching platform that connects borrowers with banks and financial institutions. A platform listing or editorial reference is not the same as a lender’s contract.

Registry identity — EZ Loan: EZ LOAN PTE. LTD.; Licence 19/2026; Registry snapshot lists Marina Square and Beach Road — 1-Cash: 1-CASH PTE. LTD.; Licence 32/2026; Registry snapshot lists 8 Tampines Central 1, #01-17, Singapore 529543 — What to confirm: Match the legal name, licence number, approved address and website against the current Ministry of Law list.

Aggregator visibility — EZ Loan: Displayed on SingSaver’s alternative-lender and fast-cash comparison pages; also referenced in LendingPot editorial content — 1-Cash: Displayed on SingSaver’s alternative-lender comparison page — What to confirm: Visibility can help you compare, but it does not make an aggregator the lender or guarantee an offer.

Displayed SingSaver snapshot — EZ Loan: 9.88%; S$92 monthly repayment; S$99 total cost on the 10 Aug 2026 page — 1-Cash: 10.56%; S$92 monthly repayment; S$106 total cost on the same page — What to confirm: These are dated page values, not personal quotations. The page’s extracted table does not expose enough assumptions for a personal cost calculation.

EZ Loan Google review panel captured on 26 August 2026: 5.0 on Google and over 1,500 displayed reviews — SingSaver’s older comparison snapshot displayed 2,329 Google ratings for 1-Cash — Use review volume as context, not as a ranking. Read what borrowers say and check the current profiles before publication.

Detailed fast-cash example — EZ Loan: S$10,000 over 36 months: S$360 monthly repayment and S$2,964 total interest displayed by SingSaver; the page also labels EIR as 9.88%, which this article does not independently validate — 1-Cash: No directly comparable 10,000/36 example was located in the reviewed SingSaver fast-cash page — What to confirm: Do not compare this EZ example with a different 1-Cash amount or tenure.

Public location information — EZ Loan: Marina Square and Beach Road — 1-Cash: Tampines Central near Tampines MRT, according to 1-Cash’s public page — What to confirm: Location may matter if you need to attend face-to-face verification. Verify the current Registry address before visiting.

Application route — EZ Loan: EZ’s existing guide describes an online starting point followed by an in-person step — 1-Cash: 1-Cash says applicants can start online and then visit its office for in-person verification — What to confirm: Ask where identity verification happens and what documents you must bring. Never share a Singpass password.

Public timing or rate statements — EZ Loan: SingSaver displays a rate example and EZ’s public material describes fast processing; neither is a promised personal outcome — 1-Cash: 1-Cash’s public page displays a monthly range and “as little as 20 mins” process language — What to confirm: Treat public claims as questions to clarify, not promised approval, disbursement or pricing.

Repayment cost — EZ Loan: Request the actual rate, fees, instalments and total repayment in writing — 1-Cash: Request the actual rate, fees, instalments and total repayment in writing — What to confirm: Compare the written contract, not only the marketplace snapshot.

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

If you are searching for EZ Loan reviews, EZ Loan Google reviews, EZ Loan Trustpilot reviews or 1-Cash reviews, look beyond the headline star rating. Reviews can help you understand how borrowers describe communication and service, but they cannot establish whether a loan is affordable, whether you will be approved, or whether one lender’s final rate will be lower for you.

What the Google review snapshot shows

SingSaver’s 10 August 2026 alternative-lender page displayed both EZ Loan and 1-Cash with a 5.0 Google rating. It displayed 2,329 Google ratings for 1-Cash. The older EZ figure shown in that marketplace snapshot should not override the newer EZ Loan Google review panel captured for this comparison, which displayed 5.0 on Google and “Over 1,500 reviews”.

So the review comparison is not “EZ has better reviews” simply because one profile has a particular number of ratings. The available evidence shows strong Google ratings for both brands, while 1-Cash has a larger displayed count in the SingSaver snapshot. Review counts and ratings can change, and the source does not prove that the reviews are directly comparable by branch, date or borrower circumstances.

More reviews do not automatically mean a better borrowing experience. A large review count tells you that more people have left feedback; it does not tell you whether the comments discuss the things that matter when choosing a licensed moneylender in Singapore, such as clear explanations, respectful service, document handling, repayment communication and whether the borrower understood the contract. That is why the specific EZ Loan review themes matter more than the headline number alone.

What EZ Loan’s Google review panel shows

The EZ Loan Google review panel captured for this comparison shows 5.0 on Google, “Trusted by over 1,500 customers” and “Over 1,500 reviews”. EZ Loan operates two branches, at Marina Square and Beach Road. This is the figure displayed by the panel as of 26 August 2026; it has not been independently verified as a combined two-branch total.

Google reviews for EZ Loan point to specific reasons people may choose or review EZ Loan:

• Easy, quick, non-judgmental and fuss-free: one reviewer described the experience this way and referred to the rate they were offered.

• Professional and smooth: one reviewer said Dickson was highly professional, helped them understand the available rates and made the process fast and smooth.

• Friendly and understanding staff: another reviewer highlighted a very fast and easy loan application process and excellent customer service.

• Good offer and good interest: one reviewer described the service as “Fast and efficient straightforward” and said it was a “Good offer and good interest”. This is the reviewer’s experience, not an objective claim that EZ Loan always offers the rate that is right for every borrower.

• Clear explanations: reviewers described officers as helpful, professional and efficient, with the loan process explained clearly.

• Guidance throughout the process: another reviewer praised the officer for professionally guiding them through the whole process.

• Straightforward processing: other excerpts refer to a fast, efficient and straightforward process, detailed explanations and quick transaction handling.

They do not prove what rate EZ Loan will offer you, whether every application will be approved or whether every loan will be completed in the same time.

What EZ Loan’s Trustpilot profile shows

The Trustpilot profile reviewed for EZ Loan showed an Excellent 4.7 out of 5 from 37 reviews, with 30 reviews in the previous 12 months. That gives EZ Loan an additional independent review-platform presence beyond Google. It is still a much smaller sample than EZ Loan’s Google review panel, and Trustpilot itself notes that the company has no recent history of asking for reviews, so the profile may not represent every customer.

We did not locate a comparable 1-Cash Trustpilot profile in the Trustpilot search reviewed on 26 August 2026. The careful conclusion is therefore that EZ Loan has positive Trustpilot reviews available for inspection, while no equivalent 1-Cash Trustpilot profile was located in the 26 August 2026 check. That is a difference in review-platform visibility, not proof that 1-Cash provides poor service.

When reading the EZ Loan Google reviews or Trustpilot reviews, look for repeated themes rather than isolated praise. Across the Google review excerpts reviewed for this comparison mention easy, quick, non-judgmental and fuss-free service; professional officers; fast and smooth processing; friendly and understanding staff; clear explanations; guidance throughout the process; and straightforward transactions. These are the specific experience benefits that can explain why some borrowers review or choose EZ Loan. In particular, check whether borrowers mention:

• clear explanations of loan terms;

• patient and respectful communication;

• whether the process felt rushed or pressuring;

• how documents and repayment dates were explained; and

• whether the reviewer is describing service, rather than making an unsupported claim about approval or price.

How to interpret the review evidence

The Google review figures shown through SingSaver and the Trustpilot profile are more useful for a review comparison than repeating testimonials selected on either lender’s own website. Even so, third-party review platforms are not a substitute for checking the licence, written offer or contract.

For a balanced EZ Loan vs 1-Cash review comparison:

1. look at the newest reviews on the relevant Google Business profile;

2. check EZ Loan’s Trustpilot profile and note the smaller review sample;

3. check whether comments refer to contract explanations, documents, repayment handling and complaint resolution;

4. look for patterns rather than one unusually positive or negative comment; and

5. do not let the star average or review count replace licence and contract checks.

EZ Loan is not automatically better for every borrower. It may be the better fit for someone who values the following combination:

1. A central branch choice

EZ Loan’s Registry record lists locations at Marina Square and Beach Road, while 1-Cash’s Registry record lists its Tampines location. If you need to attend in person and central Singapore is more convenient, EZ Loan may be easier for you to reach.

That is a location advantage, not proof of a lower rate or better loan.

2. A visible comparison trail

EZ Loan appears on SingSaver’s comparison pages and is referenced in LendingPot’s Central Singapore editorial content. This gives a borrower more than one public information source to inspect before contacting EZ.

The benefit is transparency of research, not a personal offer. The actual terms still come from EZ Loan’s written offer and contract.

3. A lower displayed marketplace snapshot — subject to verification

On SingSaver’s 10 August 2026 alternate-lender page, EZ Loan’s displayed rate and total cost were lower than the displayed 1-Cash values.

That may make EZ Loan worth checking first if cost is your main comparison point. It does not mean EZ will give you a lower personal rate. Ask EZ Loan and 1-Cash for written offers based on the same amount and tenure, then compare the total repayment.

4. A process where explanations matter

The available EZ Loan Google review panel and Trustpilot evidence point to themes including a quick and fuss-free process, professional and friendly staff, clear explanations and guidance through the application. The SingSaver snapshot shows strong Google ratings for both lenders. These themes are relevant if you want to understand what borrowers say about the EZ Loan experience, but they are not a guarantee of how your appointment will go.

Ask questions, request clarification and leave if the terms are unclear.

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

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.

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.

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.

Match the:

• business name;

• licence number;

• approved business address; and

• 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.

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

• requested principal;

• repayment period;

• repayment frequency;

• 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;

• each repayment date; and

• the total amount payable.

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.

The 1-Cash page reviewed for this article says its public application route includes online submission followed by in-person verification at its Tampines office. The same page displays “as little as 20 mins” language. That wording is a public statement from 1-Cash, not a promise about an individual application.

SingSaver also describes EZ Loan with a displayed fast-cash example and a public processing-time description. Its page says actual rates depend on credit score and provider approval.

Ask what “processing time” includes. Does it begin after the application is complete? Does it include identity verification, contract explanation and disbursement? Ask the lender to explain any difference between a typical process statement and the result you may receive.

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

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.

Do not:

• hand over account passwords;

• sign a blank or incomplete contract; or

• 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. 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?

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?

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.

Is EZ Loan the same company as 1-Cash?

No. The Registry lists EZ LOAN PTE. LTD. and 1-CASH PTE. LTD. as separate businesses with different licence numbers and addresses.

Does SingSaver show EZ Loan and 1-Cash?

Yes. SingSaver’s comparison pages reviewed for this article display both EZ Loan and 1-Cash. The displayed figures change by page and comparison context. The 10 August 2026 alternate-lender page showed EZ Loan at 9.88% and 1-Cash at 10.56%, but those values are reference snapshots, not personalised offers.

What rate does EZ Loan offer through SingSaver?

The SingSaver fast-cash page reviewed for this article displayed an EZ Loan example at a 9.88% prevailing rate, with S$360 monthly repayment and S$2,964 total interest for a displayed S$10,000 loan over 36 months. The same page labels the EIR as 9.88% p.a.; that label is reproduced as a marketplace display, not independently validated by this article. SingSaver also states that actual rates are based on credit score and provider approval. Ask EZ Loan to confirm your actual rate, administrative fee, repayment schedule and total repayment in writing.

Is EZ Loan listed on LendingPot?

EZ Loan is referenced in LendingPot’s editorial article about licensed moneylenders in Central Singapore. We did not find a current LendingPot EZ Loan rate row that could be verified against a 1-Cash rate. LendingPot is a loan-matching platform, not the lender. Do not treat an editorial reference or marketplace listing as a loan offer.

Does EZ Loan have better reviews than 1-Cash?

Not necessarily—and review volume should not be treated as a popularity contest. On EZ Loan’s Google review panel captured for this comparison, EZ is shown at 5.0 on Google with over 1,500 displayed reviews. The SingSaver snapshot displayed 1-Cash at 5.0 with 2,329 Google ratings. EZ Loan also has a Trustpilot profile showing an Excellent 4.7 out of 5 from 37 reviews in the snapshot reviewed. That means 1-Cash had the larger displayed Google review count, while the displayed Google star rating was the same. No comparable 1-Cash Trustpilot profile was located in the 26 August 2026 check. The useful question is not only how many reviews a lender has, but whether the review themes describe clear explanations, respectful communication and a process that helps borrowers understand their obligations. Ratings still do not establish your likely rate, approval or affordability.

Does EZ Loan have good reviews on Trustpilot?

EZ Loan’s Trustpilot profile showed an Excellent 4.7 out of 5 from 37 reviews in the snapshot reviewed for this article. That is a positive Trustpilot presence, but it is a small sample compared with the Google review counts shown through SingSaver. Read the individual reviews and check the date and content rather than relying on the score alone. We did not locate an equivalent 1-Cash Trustpilot profile in the 26 August 2026 check. That means EZ Loan has an additional review platform for borrowers to inspect; it does not prove that EZ Loan is universally better or that 1-Cash has no positive customer feedback elsewhere.

Why might someone prefer EZ Loan over 1-Cash?

EZ Loan may suit someone who values central branches at Marina Square or Beach Road, wants to inspect Google review themes alongside EZ Loan’s Trustpilot profile, wants to investigate the lower displayed SingSaver snapshot, or prefers a lender with more than one public information trail. The useful benefit is that a borrower can look at the quality and subject matter of feedback—not just the number of reviews—before asking for written terms. That is a possible fit, not a universal “better” result. Compare both written offers using the same loan amount and tenure before deciding.

Why might someone prefer 1-Cash over EZ Loan?

1-Cash may suit someone who is closer to Tampines, prefers its stated application route, or values the larger review count displayed on SingSaver. Again, the final written terms matter more than location, marketing language or review volume.

Does a public processing-time statement mean my loan will be completed in that time?

No. A public statement such as 1-Cash’s “as little as 20 mins” wording is not a promised outcome for every applicant. EZ’s displayed fast-cash information is also subject to provider assessment and approval. Ask what the statement covers and rely on the written terms for the actual offer.

What is the fairest way to compare the two?

Use the same requested amount and repayment period, compare the written schedules and total amount payable, check all fees and late-payment terms, and verify each business against the current Ministry of Law list.

Where can I check EZ Loan’s current details?

Check the current Ministry of Law Registry and EZ Loan’s official website. The Registry record used for this article is Licence 19/2026, but licence and branch information should be rechecked before publication or application.

Before applying, write down the amount you actually need and the repayment amount you can manage without missing essential expenses.

Then ask EZ Loan and 1-Cash for written terms based on the same amount and repayment period. Compare:

• the amount you receive;

• the total repayment;

• each instalment and due date;

• the interest basis;

• the administrative fee; and

• late-payment consequences.

If EZ’s written offer is the better fit for your location, repayment ability and total cost, you can contact EZ Loan through its official website. Do not decide from the SingSaver or LendingPot display alone.

This article does not replace the lender’s written contract or independent financial advice.