EZ Loan vs CreditMaster: 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 CreditMaster? Use the same requested amount and repayment period for both. Verify each lender's current Registry details, ask for complete written terms, and compare the amount received, permitted fees, repayment schedule and total repayment—not a headline rate alone. [1] [3] [5] [4]

EZ Loan and CreditMaster are separate licensed moneylending businesses. The Ministry of Law Registry dated 1 September 2026 lists EZ LOAN PTE. LTD. under Licence 19/2026 and CREDITMASTER PTE. LTD. under Licence 34/2026. [1] [3] [5] [4]

The Registry lists CreditMaster at 531, Upper Cross Street, #01-04, Hong Lim Complex, Singapore 050531 and records the www.creditmaster.sg business domain. Verify the legal name, licence number, address and website against the current Registry 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]

CreditMaster publishes customer-review material on its official website. Treat lender-published testimonials as one information source, not independent proof of service quality or loan suitability. EZ Loan also has a Trustpilot profile; this article does not rank the lenders by review volume. [5] [4] [7]

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

Start with the current Ministry of Law list, not a social-media message or an unverified directory. In the Registry snapshot used for this article, EZ LOAN PTE. LTD. is listed under Licence 19/2026, while CREDITMASTER PTE. LTD. is listed under Licence 34/2026 at Hong Lim Complex. [1] [3] [5] [4]

The name, licence number, address and website should match. If a person contacts you from a different number or directs you to a different website, pause and verify the details independently. The Registry’s borrower guidance warns borrowers to check the official list and not rely only on an advertisement. [1] [3]

A comparison is only useful when the inputs are similar. Ask both lenders for terms based on the same:

• principal amount;

• repayment period; [3]

• repayment frequency; [3]

• borrower information; and

• timing assumptions.

Do not compare a short promotional example from one website with a different loan example from another. Ask each lender to show the amount you will receive, the interest basis, administration charge, repayment dates, late-payment terms and total amount payable. [3]

EZ’s rates-and-fees guide explains the statutory framework for licensed moneylenders. The EZ instalment guide says a clear schedule should show each payment date, amount due, remaining principal, interest, permitted fee and total amount payable under the contract. [1] [3]

The CreditMaster page checked on 12 September 2026 lists a three-step sequence: apply with Singpass, get approval and collect the money. Another section says the lender’s process may take a day, or 30 minutes if documents are ready. [5]

Those statements describe CreditMaster’s public wording. They do not tell us that every applicant will receive the same timing, amount or terms. Before relying on a timing statement, ask when the clock starts, what “documents ready” means, whether an in-person interview is required, and how the repayment schedule will be explained. [3] [5]

EZ’s existing fast-cash article takes a borrower-first approach: eligibility, cost and timing vary, so compare the full repayment obligation rather than choosing only on speed. [3]

The application steps can feel important when money is needed, but the contract determines what you must repay. Look for: [3]

• the principal amount and any permitted upfront deduction;

• interest and how it is calculated as principal is repaid;

• each instalment amount and due date;

• late-payment interest and late fees; [3]

• any early-settlement terms; and

• the total amount payable if you follow the schedule. [3]

The Ministry of Law says borrowers should understand the contract, especially the repayment schedule, interest rate and fees, before signing. If a term is unclear, ask for an explanation in a language you understand and keep your copy of the completed contract. [3]

The official Registry lists EZ Loan’s two places of business and CreditMaster’s Hong Lim Complex address. CreditMaster’s own contact page also identifies 531 Upper Cross Street, #01-04 Hong Lim Complex. [1] [5] [4]

Use those details to verify that you are dealing with the named business. A physical address is one part of a safety check; it does not, by itself, confirm the rate, timing or suitability of a loan. Do not provide Singpass passwords, sign a blank contract or accept a loan without understanding the terms. [3]

CreditMaster's customer-reviews page is lender-published testimonial material. Read it as attributable information, not independent proof of service quality, approval or price. [5]

EZ Loan's Trustpilot profile is an additional review-platform source checked on 26 August 2026. This article does not compare the lenders by review count. Compare the date, subject matter and relevance of available comments, then request complete written terms from both lenders. [4] [7]

Ask both EZ Loan and CreditMaster: [5] [4]

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

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

3. How does the interest calculation change as principal is repaid?

4. What charges apply if an instalment is late?

5. What happens if I want to settle early?

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

7. Will I receive the completed contract, receipts and account statements? [3]

If the answer is unclear, pause. A faster application is not a substitute for understanding the obligation.

Are EZ Loan and CreditMaster the same company? [5] [4]

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

Does CreditMaster's public process information guarantee a result? [5]

No. Public process information is not a promise of approval, timing or price. Ask what conditions apply and rely on the written offer.

What does CreditMaster's customer-review page show? [5]

It contains lender-published customer-review material. Read it as attributable marketing or testimonial content, then seek independent context and compare the written contract. [3] [5]

How should I compare the costs?

Use the same requested amount and repayment period, then compare the written repayment schedules, interest basis, permitted charges and total amount payable. [3]

Why should I check the Registry-listed domain? [1]

A legal name, licence number, approved address and business URL should match the current Registry before you share documents or attend an appointment. [1]

What is the fairest way to compare EZ Loan and CreditMaster? [5] [4]

Verify identity and location, ask both lenders for complete written terms, compare equivalent offers and read the full contract before signing. [3]

Write down the amount you need and the repayment amount you can manage without missing essential expenses. Ask for written terms from any lender you are considering. Check the legal identity, read every page of the contract and keep the repayment schedule and receipts. [3]

If you want to ask EZ Loan about its current process, use the official EZ Loan website and independently confirm its details against the Ministry of Law Registry. This article does not replace the written contract or independent financial advice. [1] [3] [4]

• [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] CreditMaster official website — checked 12 September 2026

• [6] CreditMaster customer-reviews page — checked 12 September 2026

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