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by EZ Loan Pte Ltd
Updated 5 October 2026
If you are reading 1-Money reviews before applying, compare the repayment arrangement as carefully as the comments about service. 1-Money publishes a 3.92% monthly interest rate and offers weekly or monthly repayment plans, with terms of up to 24 months.[6]
EZ Loan is worth considering if you want to discuss its advertised starting rate of 0.82% per month for eligible applicants, have the terms explained at a branch, and manage repayments through bank transfer, PayNow or in person.[4] The starting rate is conditional, and neither lender's published figure tells you what your own offer will cost.
The practical choice depends on the written offer, the repayment dates you can manage and the visit you can arrange. 1-Money's Sunday opening may matter if that is your available day; EZ's Beach Road and Marina Square branches give you two appointment locations.[9][1]
EZ Loan publishes this comparison and is one of the lenders discussed. This is general information, not an independent review or a personalised offer. Website details were checked on 4 October 2026; the Ministry of Law list used below is dated 1 September 2026.[1]
The Ministry of Law list records EZ LOAN PTE. LTD., licence 19/2026, at Beach Road and Marina Square. It records 1 - MONEY PTE. LTD., licence 100/2026, at 149 Rochor Road, #02-08, Fu Lu Shou Complex, with 1-money.sg as its registered website.[1]
Check the live Registry before sharing personal details or attending an appointment. The Ministry requires a licensed moneylender to meet the borrower at its approved premises for face-to-face identity verification before granting a loan. Starting online does not remove that visit.[2]
| What to compare | EZ Loan | 1-Money | What it means for you |
|---|---|---|---|
| Published interest rate | From 0.82% per month for eligible applicants, subject to approval and borrower profile.[4] | Homepage states 3.92% per month.[6] | These are different kinds of published claims, not matched quotations. Ask for your actual rate and total payable. |
| Published fees | Confirm fees in your individual offer; the starting rate is not a total-cost figure.[4] | Homepage lists a 10% loan administration fee and a $60 late repayment fee.[6] | Ask what applies to your contract and how it affects cash received and repayments. |
| Registered offices | 3 Beach Road, #01-4853; and 6 Raffles Boulevard, #03-308, Marina Square.[1] | Fu Lu Shou Complex on Rochor Road.[1] | Choose a visit you can make, then confirm the appointment. |
| Repayment arrangements | Describes monthly repayments by bank transfer, PayNow or in person, plus early full settlement at no extra cost.[4] | Advertises weekly or monthly plans and instalment terms up to 24 months.[6] | Frequency, term and payment method answer different questions. Confirm all three. |
| Customer feedback | Selected Google-labelled comments on EZ's homepage mention explanations and help understanding a first loan.[4] | Its review page displays Google-sourced comments about patience and explaining loan agreements.[7] | Both are lender-displayed selections, not representative service scores. |
| Sunday visits | Published hours say closed on Sundays and public holidays.[5] | Contact page lists Sunday hours of 11am to 4.30pm, with public holidays closed.[9] | If Sunday is essential, check 1-Money's availability before travelling. |
EZ's advertised rate from 0.82% per month gives eligible applicants a concrete question to ask: what rate can you offer me, and what will the full repayment be? EZ says its rate, fees and repayment terms depend on approval and the borrower's profile.[4]
1-Money states 3.92% per month as its regular rate and lists its fees separately.[6] EZ's advertised minimum and 1-Money's stated rate are not equivalent offers to the same person. Compare the final terms for the same amount and repayment period rather than treating the headline gap as guaranteed savings.
EZ's published process includes a branch assessment where a loan officer explains the terms and answers questions. Selected customer comments on its homepage describe clear explanations, including help for a first-time borrower understanding how the loan works.[4]
That is a useful reason to ask EZ for a walk-through of your own schedule. Bring the questions you need answered: what reaches your bank account, what is due on each date, and what happens if you pay early or late? The comments describe individual experiences; they do not guarantee yours. Explaining the contract is also a legal obligation, not a service unique to EZ.[3]
EZ says you can begin through its website or WhatsApp, or walk into a branch. Assessment then includes the in-person visit.[4] You can use the initial contact to ask about documents and an appointment before making the journey.
Its tracker displayed an average processing time of 17 minutes, last updated 4 October 2026.[4] This is EZ's published snapshot, not a promise about your application or the time from first contact to receiving money. Its same-day disbursement statement is conditional on assessment, documents and required verification.[4]
EZ lists bank transfer, PayNow and in-person monthly payments. It also says early full settlement carries no extra cost and asks borrowers to request a final settlement amount.[4]
Remote payment options may save you a return trip just to make a repayment. If you expect to settle early, ask how the settlement figure will be calculated and get the answer in writing. A stated absence of an extra settlement charge does not mean every outstanding amount disappears.
1-Money may suit a borrower who needs a Sunday appointment near Rochor Road or wants to discuss a weekly repayment schedule rather than a monthly one. Its website also advertises terms up to 24 months; the actual arrangement still needs to be agreed in the offer.[9][6]
There is an eligibility difference to check early. 1-Money publishes a minimum age of 18, while EZ's homepage lists at least 21 and a minimum monthly salary of S$2,000.[6][4] These are published application criteria, not approval guarantees. Confirm the requirements for your circumstances before travelling.
1-Money's own review page displays Google-sourced comments mentioning patience, explanations and help understanding a payment agreement.[7] EZ's homepage also displays selected comments about explanations and customer support.[4]
Use those themes to test the conversation you have with either lender. Can you explain the repayment schedule back in your own words? Did the officer answer your fee questions without rushing you? Reviews can help you decide what to ask, but the terms you receive are what you must assess.
A weekly instalment and a monthly instalment are not directly comparable amounts. Since 1-Money advertises both options, request the complete dated schedule for each arrangement you are considering.[6] Lay it beside your income dates and existing commitments rather than choosing whichever individual payment looks smaller.
| Check on each written offer | Why it matters |
|---|---|
| Amount borrowed and amount actually received | An upfront fee can change the usable amount. |
| Every payment date and amount | You need to see the commitment between income payments. |
| Final payment date | A term described as “up to 24 months” is not necessarily your offered term. |
| Total payable over the entire schedule | A smaller instalment does not by itself establish a lower total cost. |
| Early-settlement amount and late-payment terms | Ask how the balance and charges would be calculated if your plans change. |
MinLaw advises borrowers to understand the repayment schedule, interest and fees, shop around, and borrow only what they need and can repay.[3]
The published figures do not establish that for an individual borrower. EZ advertises a conditional starting rate from 0.82% per month; 1-Money states 3.92% per month and separately lists a 10% administration fee and $60 late repayment fee.[4][6] Compare your actual rate, cash received, fees and full repayment schedule for the same amount and term.
1-Money's contact page lists Sunday hours of 11am to 4.30pm. EZ publishes that it is closed on Sundays. Both say they close on public holidays, so confirm the date and appointment before visiting.[9][5]
No. An online application can start the process, but MinLaw requires physical face-to-face identity verification at the lender's approved premises before a licensed moneylender grants a loan.[2]
No. Treat comments as accounts of other people's experiences, not decisions about your application. Ask the lender to assess your circumstances and explain any offer. MinLaw advises borrowers to consider their repayment ability and understand the contract before signing.[3]
EZ's published process offers early full settlement at no extra cost. Contact EZ for the final settlement amount and confirm it against your agreement before paying.[4]
If EZ's explanation-led process and payment options suit what you need, check the Beach Road or Marina Square branch information. Use the repayment calculator to prepare an estimate, then ask for the actual written terms.[4][5]
Compare that offer with 1-Money's over the same amount and term. Take time to decide, and proceed only if you understand the commitment and can manage the repayments.
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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.
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