EZ Loan vs Credit 21: locations and borrowing checks

Credit 21's actual registered office is different from the area guides shown on its locations page. The 1 September 2026 MinLaw Registry list records CREDIT 21 PTE. LTD. under licence 49/2026 at 10 Anson Road, #01-07, International Plaza, Singapore 079903. Credit 21's own location page says its guides do not represent additional branches.[1][10] Before you travel or sign, confirm the registered place, the amount you will receive and the full agreement.

EZ Loan may be worth including if one of its two Registry-listed places suits your route. The same list records EZ LOAN PTE. LTD. under licence 19/2026 at 6 Raffles Boulevard, #03-308, Marina Square, and 3 Beach Road, #01-4853, Beach Road Gardens.[1] A suitable location does not establish a lower cost, faster approval or a better borrowing outcome.

The short answer

For Credit 21, treat 10 Anson Road, #01-07, International Plaza as the registered moneylending office. Do not assume that a page about a neighbourhood or MRT area is another Credit 21 branch.[1][10]

Compare EZ Loan and Credit 21 on the same practical questions: which registered office is suitable, what documents and checks are required, what is written in the offer and what will you sign? The location that is easier to reach can matter, but the contract still controls the financial terms.

At-a-glance comparison

MinLaw advises borrowers to verify the physical and website address using the official list of licensed moneylenders. Its in-person identity-verification requirement applies to both lenders.[2] Use that authority for identity and location checks, rather than relying on a search result or an area label.

Actual office versus area guide

Credit 21's locations page identifies the registered moneylending office at 10 Anson Road, #01-07, International Plaza, Singapore 079903, beside Tanjong Pagar MRT Station. The same page states that its location guides do not represent additional Credit 21 branches.[10] That wording matters if you are choosing where to attend an appointment. A guide to a neighbourhood can help with directions, but it does not create another approved place of business.

Check the address against the Registry list and confirm the appointment location directly before sharing documents or signing.

When an EZ Loan branch may suit your route

EZ Loan's Registry entry lists Marina Square and Beach Road. If either location is more suitable for your route, you can review the Marina Square location page or Beach Road location page, then confirm the current information before visiting.

Preparing for the appointment

Credit 21's borrower guidance describes affordability checks and says identity verification and contract explanation must happen in person at the approved office.[9] Confirm which documents to bring when arranging your visit.

Checks before you sign

Ask the lender to explain the document in plain language and read the complete agreement before signing. In particular, check:

• the legal name, licensed office and approved/disbursed amounts;

• the interest, applicable fees and repayment schedule;

• the total amount payable and early-settlement process;

• late-payment terms; and

• whether anyone is asking you to pay a fee or deposit before disbursement.

MinLaw says requests to transfer money for "GST fees" or "processing fees" before a loan is disbursed are a scam.[2] Separately, MinLaw permits an upfront deduction of a loan approval fee from the principal, within its stated limit. Check that any deduction appears in your written agreement and follows MinLaw's guidance.[3] For a fair comparison, ask both lenders for the same figures for the same amount and repayment period.

Do not sign a blank or incomplete agreement.[3] If the verbal explanation and written terms differ, ask for the difference to be resolved before signing. Keep the final documents for your own records.

Frequently Asked Questions

Where is Credit 21's registered office?

The Registry and Credit 21's location page identify 10 Anson Road, #01-07, International Plaza, Singapore 079903 as the registered moneylending office.[1][10] Confirm the current details before visiting.

Do Credit 21's area guides mean it has extra branches?

No. Credit 21's location page says its guides do not represent additional Credit 21 branches.[10] Use the registered office information for appointment planning and verify the address against the current MinLaw list.

What should I check before signing?

Start by checking that the lender's legal name and office match the Registry. Treat a request to transfer fees before disbursement as a warning sign.[2] Check that the agreement is complete, including its amounts, charges and repayment dates, and have anything unclear explained in a language you understand. Do not sign a blank or incomplete contract.[3]

A practical next step

Before applying or travelling, write down the registered office you expect to visit and the questions you need answered. Verify the lender and address against the current MinLaw list, ask for the written figures for the same request and read the completed agreement before signing.

For EZ Loan, see the personal-loan information, Marina Square and Beach Road pages. Confirm the current location and written terms for your circumstances.

EZ Loan publishes this comparison. Verify current licence details and compare the written terms offered for your circumstances.

Sources

• [1] MinLaw Registry: List of Licensed Moneylenders as at 1 September 2026

• [2] MinLaw Registry: List of Licensed Moneylenders in Singapore

• [3] MinLaw: FAQs on Borrowing From Licensed Moneylenders

• [9] Credit 21 Notes to Borrowers

• [10] Credit 21 Money Lender Locations