EZ Loan vs 1 Fullerton Credit: Licence, Reviews and What to Compare Before You Apply (2026)

Comparing EZ Loan and 1 Fullerton Credit? The useful comparison is not simply which lender shows the faster timing or the larger review number. Check the current licence, reconcile the conflicting licence number shown on 1 Fullerton's website, request written terms for the same loan amount and repayment period, and review the total amount payable before signing.

Important: Rates, fees, approval and repayment terms depend on the lender's assessment and your final contract. Public lender claims and reviews are snapshots for comparison only. They are not personalised offers.

Publisher disclosure: EZ Loan, one of the lenders discussed, publishes this comparison. EZ Loan's website and profiles are first-party sources, as are 1 Fullerton Credit's website claims and lender-controlled review presentation. No independent service audit, mystery-shopping exercise, matched borrower-specific quotation test or full review audit was performed. This article is not a ranking or endorsement.

EZ Loan and 1 Fullerton Credit 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 FULLERTON CREDIT PTE. LTD. under licence 96/2026.[1]

A prominent line on 1 Fullerton's homepage still shows 100/2023, while another homepage section and its review page show 96/2026.[6][8] The current dated Registry record is the reference used here. The older number is disclosed as stale or conflicting self-published text, not used as the current licence.

1 Fullerton's public pages describe an online or phone enquiry followed by an in-person consultation. Its homepage also publishes “within an hour” processing language and same-day receipt after signing.[6] Those are conditional lender statements, not guaranteed outcomes.

EZ Loan's public material describes an online starting point followed by in-person identity verification at an approved EZ Loan premises before a loan is granted.[3] We did not locate an approved EZ Loan source that supports a specific under-10-minute application claim.

EZ Loan operates at Marina Square and Beach Road. 1 Fullerton's Registry record lists 110 Telok Ayer Street, #110-A, Singapore 068579.[1] Location may affect convenience, but it does not determine price, approval or suitability.

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 reviewed 1 Fullerton evidence comes mainly from its own public pages and lender-controlled review presentation rather than a verified like-for-like marketplace quotation.

1 Fullerton's homepage displays an older “License Number: 100/2023” line, while another homepage section and its review page identify 96/2026.[6][8] The Ministry of Law list dated 1 August 2026 records 1 FULLERTON CREDIT PTE. LTD. under licence 96/2026.[1]

Its personal-loan page publishes 1%–4% wording and describes online or phone contact followed by an in-person appointment.[7] The range is lender-published information, not a personal quotation.

The homepage also publishes “within an hour” processing language and same-day receipt after signing.[6] Ask what the stated time covers, which documents it assumes and when the in-person consultation takes place.

1 Fullerton's review page displays an aggregate badge and older embedded examples. That material can help you identify questions about service and explanations, but it is not a substitute for checking the current licence or the written contract.[8]

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

If you are searching for EZ Loan reviews or 1 Fullerton Credit 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 1 Fullerton's review page shows

1 Fullerton's own review page, checked on 27 August 2026, displayed a 4.9-star badge based on 726 user reviews and embedded Google examples. Visible comments mentioned clear explanations, professional service and efficient processing. Several examples were five or six years old and referred to the earlier GM Creditz name.[8]

That makes the page useful historical context, but not a current, balanced sample by itself. It does not prove today's rate, approval probability or experience.

What EZ Loan's Trustpilot profile shows

EZ Loan's Trustpilot page checked for this comparison included recent reviews dated 24–26 August 2026 discussing professionalism, easy-to-understand terms and process. Trustpilot also displayed its own warning that reviews may not be representative.[9]

The available review trails use different platforms, dates and samples. That makes a simple review winner unreliable. When reading either profile, look for repeated detail about explanations, document handling, repayment communication and complaint resolution rather than relying on the star average alone.

For the same evidence-first approach applied to another lender, see EZ Loan vs CreditMaster.

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 Marina Square and Beach Road, while 1 Fullerton's record lists Telok Ayer. If you need to attend in person and central Singapore is more convenient, EZ Loan may be easier for you to reach.[1]

1. An online starting point

EZ Loan's public material describes an online start followed by in-person identity verification. The benefit is a route that may fit how you want to begin the enquiry, not a promise that the full process happens online.[3]

1. A separate review trail

EZ Loan has current Trustpilot examples available for inspection. That gives you another source to read alongside the lender's own information, but it does not establish a lower rate or better outcome.[9]

1. A process where explanations matter

The available EZ Loan review evidence includes themes about professional staff, clear explanations and a straightforward process. Those themes may help you form questions for an appointment. They do not guarantee how your appointment will go.

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

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

1 Fullerton may be more convenient if you live or work near Telok Ayer, prefer its stated online-to-consultation process, or want to inspect its lender-controlled review presentation before requesting terms.[6][8]

Its homepage publishes “within an hour” processing language and same-day receipt after signing. Those are reasons to investigate the process, not evidence that it will be faster or cheaper for you.[6]

The current Registry number is 96/2026, even though the homepage also shows 100/2023. Reconcile that information before sharing personal details.[1][6]

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 FULLERTON CREDIT PTE. LTD. with licence 96/2026.[1]

Match the:

• business name;

• current licence number;

• approved business address; and

• registered website.

For EZ Loan, the record lists Marina Square and Beach Road. For 1 Fullerton, it lists 110 Telok Ayer Street, #110-A.[1]

Do not silently copy the 100/2023 number from 1 Fullerton's homepage as the current licence. It conflicts with the dated Registry record and other 1 Fullerton pages that show 96/2026.[6][8]

The Ministry of Law also warns borrowers not to provide Singpass passwords, sign blank contracts or accept a loan granted without proper due diligence and contract explanation.[2]

A fair comparison uses the same requested principal, repayment period, payment frequency, borrower information and application date.

Then compare each written offer's:

• principal and net amount received;

• interest rate and calculation method;

• administrative fee;

• every instalment amount and due date;

• late interest and late-fee terms; and

• total repayment if every instalment is paid on time.

The Ministry of Law framework says the maximum interest rate is 4% per month, the upfront administrative fee cannot exceed 10% of principal, and a late fee cannot exceed S$60 for each month of late repayment.[2]

Those are legal ceilings, not standard quotations. A public rate range cannot prove which lender will cost less for you.

Use EZ Loan's moneylender rates and fees guide to understand each line before comparing the contracts. You can also test a repayment amount in the personal-loan calculator, but the signed schedule remains controlling.

1 Fullerton's homepage publishes “within an hour” processing language and same-day receipt after signing. Its personal-loan page describes online or phone contact followed by an in-person appointment and cash receipt after signing.[6][7]

That wording does not tell you whether the clock begins at online submission, document review, the consultation, approval, signing or receipt of funds. Before relying on it, ask:

• Does the time assume all documents are complete?

• Does it refer to assessment, approval or receipt of funds?

• When does the in-person consultation happen?

• What additional checks could extend the process?

• Will you receive the complete repayment schedule before signing?

EZ Loan's public material describes an online starting point and in-person identity verification before a loan is granted.[3] We did not locate an approved EZ Loan source supporting an under-10-minute application claim.

EZ Loan's Registry record lists Marina Square and Beach Road. 1 Fullerton's record lists 110 Telok Ayer Street, #110-A.[1]

If you need to attend in person, location can affect the time and cost of travelling. That is a practical consideration, not a quality ranking.

Check current opening hours directly before travelling. Also confirm which location will handle your application and what documents you must bring. A lender's online enquiry process does not remove the in-person step described on its public pages.

Ask both lenders:

1. Which current licence number and registered entity will appear on my contract?

2. What principal is stated, and what net amount will I receive?

3. What interest rate applies to my offer and how is it calculated?

4. What is the upfront fee?

5. What are every instalment amount and due date?

6. What is the total repayment if I pay on time?

7. What charges apply if one instalment is late?

8. Can I review the full unsigned contract and repayment schedule before committing?

Is 1 Fullerton Credit licensed in Singapore?

Yes, the Ministry of Law list dated 1 August 2026 records 1 FULLERTON CREDIT PTE. LTD. under licence 96/2026 at 110 Telok Ayer Street, #110-A.[1] Check the latest list again before applying.

Why does 1 Fullerton's website show 100/2023 and 96/2026?

Its public pages contain conflicting self-published text. The current MinLaw list used here records 96/2026, so that is the number to use for current verification. The mismatch should be disclosed rather than silently copied into a comparison.[1][6]

Is EZ Loan cheaper than 1 Fullerton Credit?

Public pages do not provide enough equivalent evidence to answer that. Request written offers for the same amount, tenure and borrower information, then compare cash received, fees, instalments and total repayment.

Can I complete a licensed-moneylender loan entirely online?

Both lenders allow an online start, but their public information includes an in-person step. EZ Loan requires identity verification in person; 1 Fullerton describes an in-person consultation before signing and disbursement.[3][6]

Which lender has better reviews?

The available sources use different platforms and time periods. 1 Fullerton's page displays a 4.9-star badge based on 726 reviews and older examples, while EZ Loan's Trustpilot page includes newer examples. Neither establishes better service, cost or approval. Read the details and compare the contract.[8][9]

What should I verify before sharing personal information?

Match the legal name, current licence, address and domain against the latest MinLaw list. Do not provide a Singpass password or accept an unsolicited loan offer through prohibited channels.[1][2]

Write down the amount you need and the maximum instalment you can manage after rent, food, transport, utilities and existing debt payments.

Request written terms from any lender you are considering. Do not decide from a review count, a headline rate or a processing-time statement. Decide from the verified legal identity and the complete repayment obligation.

If EZ Loan's written offer fits your needs, use only the official EZ Loan website and verify its details against the current Registry first.

This article is general information and does not replace the lender's written contract or independent financial advice.