EZ Loan vs Goldstar Credit: Rates, Branches and What to Compare Before You Apply (2026)

EZ Loan and Goldstar Credit are both listed as licensed moneylenders in the 1 September 2026 Ministry of Law record. EZ Loan offers an online starting point, in-person verification and two central locations. Goldstar publishes its own process and timing information. The fairest choice depends on your written offer, total repayment, verification steps and branch convenience, not a headline rate or review count.[1][3][4][5] [6]

Important: Rates, fees, approval and repayment terms depend on the lender's assessment and your final contract. Public lender claims and reviews are reference points, not personalised offers. [3] [5] [6]

Publisher disclosure: EZ Loan publishes this comparison. It uses public information from the Ministry of Law, EZ Loan, Goldstar Credit and public review pages. The article is general information, not a ranking or endorsement. [3] [5] [4] [6]

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.

EZ Loan and Goldstar Credit are separate licensed moneylending businesses. The Ministry of Law list dated 1 September 2026 records EZ LOAN PTE. LTD. under licence 19/2026 and GOLDSTAR CREDIT PTE. LTD. under licence 128/2025.[1] [3] [5] [4]

EZ Loan's public website says borrowers can start online, then complete identity verification in person at an approved EZ Loan premises. It lists branches at Marina Square and Beach Road. The same site says some completed applications receive a same-day decision and some approved loans may be disbursed on the same day, depending on assessment, documents and face-to-face verification.[4]

On 28 August 2026, EZ Loan's homepage showed a self-reported average processing time of 11 minutes, based on 5,302 applications submitted in the last 30 days.[4] That is an average site statistic, not a promise that every application takes less than 10 minutes or that funds will be disbursed within that time.

EZ Loan also advertises rates as low as 0.82% per month for eligible applicants. The website states that the rate, fees and repayment terms offered depend on approval and the borrower's profile. Treat the advertised rate as a starting point to ask about, not as your personal quotation.[4] [3]

Goldstar's website gives a stated application window and adds that some returning customers may take 5–10 minutes when their information and requirements have not changed. Those statements describe Goldstar's stated process and conditions. They do not guarantee approval, disbursement or the time your own application will take.[5]

A useful comparison therefore starts with what each lender can show you in writing. Use the same requested amount and repayment period, then compare the net amount received, interest calculation, fees, instalments, late-payment terms and total repayment. [3]

The two lenders describe different starting points for a borrower.

EZ Loan presents an online enquiry route followed by a consultation and in-person identity verification. Its site also lists walk-ins and WhatsApp as ways to start an enquiry, and says the loan assessment and disbursement process must be completed in person.[4]

Goldstar presents an online or office application, document review and a face-to-face interview. Its site says the loan officer explains the terms and contract before disbursement after signing. It also publishes a 1–4% per month rate range with terms and conditions.[5] [3] [6]

These are not identical claims. EZ Loan's 0.82% figure is an advertised rate for eligible applicants, while Goldstar's 1–4% wording is a general public range. Neither tells you what your own offer will be. Ask for the complete written terms before deciding.[4][5]

The Ministry of Law advises borrowers to check the licensed-moneylender list, clarify the contract before signing and not rely solely on advertising. That makes the written offer more useful than a comparison based only on a website headline.[3] [1]

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

Reviews can help you spot questions about explanations, communication and the way a branch handles an appointment. They cannot tell you whether your loan will be affordable, whether you will be approved or whether one lender will give you a lower total cost. [5] [6]

Goldstar's Hougang review page shows comments about fast service, clear explanations and helpful staff. Its Toa Payoh page includes comments about a clear and smooth process, explanations and instalment plans. Those are individual customer accounts, so treat them as context rather than a promise about your own experience.[6][7] [5]

EZ Loan's website links to its Trustpilot profile and displays customer comments describing clear explanations, professional assistance and a smooth process. Those comments may help you decide what to ask during an appointment, but they do not establish a universal service result or a particular loan offer.[4]

The review pages use different platforms, samples and dates. Do not choose from the largest number or highest displayed score alone. Look for detail about whether the terms were explained, whether the repayment schedule was clear and whether you had enough time to ask questions. [3] [5] [6]

For another EZ Loan comparison using the same written-offer approach, see EZ Loan vs 1-Cash. [4]

EZ Loan may suit you if the following points matter to your decision. [4]

1. A central location

The Registry list records EZ Loan locations at Marina Square and Beach Road. If you need an in-person appointment and those locations are easier for you to reach, that can reduce travel time and inconvenience.[1][4]

1. An online starting point with a defined in-person step

EZ Loan says you can start online, by WhatsApp or at a branch, then attend a premises for document checks, assessment and identity verification. That gives you several ways to begin while making the in-person requirement clear.[4]

1. An advertised rate to ask about

EZ Loan's website says eligible applicants may qualify for a rate as low as 0.82% per month. Ask whether your offer qualifies and request the fees, instalments and total repayment in writing. The advertised figure does not replace the contract.[4] [3]

1. A process where explanations matter

EZ Loan's public material says a loan officer will explain the terms and conditions during the branch visit. That is useful if you want to ask questions face to face before deciding. Read the repayment schedule and do not sign if the terms are unclear.[4] [3]

Goldstar may suit you if Hougang or Toa Payoh is more convenient, or if you want to ask about the process described on its public website. [5]

Goldstar's website gives a stated application window and says some returning customers may receive a shorter window when their information and requirements have not changed. Ask what the timing includes and what could extend it.[5]

Goldstar's public pages describe an online or office application, document review, a face-to-face interview and an explanation of the contract before signing. Its website also publishes a 1–4% per month rate range. Compare those general statements with your actual written offer rather than assuming that the lowest displayed rate will apply.[5] [3] [6]

The Goldstar review pages may be useful if you want to read branch-specific comments before making an enquiry. They remain individual accounts and do not replace the licence check or written repayment schedule.[6][7] [1] [3] [5]

Open the latest Ministry of Law list before sharing personal details. The 1 September 2026 list records EZ LOAN PTE. LTD. under licence 19/2026 and GOLDSTAR CREDIT PTE. LTD. under licence 128/2025.[1] [3] [5] [4]

Match the:

• business name;

• licence number; [1]

• approved business address; and [1]

• registered website.

The list records EZ Loan at 6 Raffles Boulevard, #03-308, Marina Square, Singapore 039594, and 3 Beach Road, #01-4853, Beach Road Gardens, Singapore 190003. It records Goldstar at 1187 Upper Serangoon Road, #01-21, The Midtown, Singapore 533971, and 190 Lorong 6 Toa Payoh, #01-576, Singapore 310190.[1][4][5]

The Ministry of Law says borrowers should not provide Singpass passwords, sign blank or incomplete contracts or accept a loan without proper due diligence and an explanation of the terms.[3]

A fair comparison uses the same requested principal, repayment period, payment frequency, borrower information and application date. [3]

Compare each written offer's:

• principal and net amount received;

• interest rate and calculation method; [3]

• upfront and administrative fees;

• every instalment amount and due date;

• late interest and late-fee terms; and

• total repayment if every instalment is paid on time. [3]

A rate advertised on a website is not enough to calculate your actual cost. The written offer and contract should show the terms that apply to you. [3]

The Ministry of Law states that the maximum interest rate is 4% per month. It also states that a moneylender may charge a fee of up to 10% of the principal when a loan is granted, a late fee of up to S$60 for each month of late repayment and that total charges cannot exceed the principal.[3]

These are legal limits, not standard quotations. EZ Loan's advertised 0.82% figure is for eligible applicants, and Goldstar's public 1–4% range is subject to its terms and conditions. Request each lender's written offer using the same loan request, then compare the cash received and total repayment.[4][5] [3]

Use EZ Loan's moneylender rates and fees guide to understand the main cost lines. You can also use the personal-loan calculator to test an amount, but the signed repayment schedule remains controlling. [3] [4]

Goldstar's website states that applications usually take 20–30 minutes, depending on requirements. For returning customers, it describes a shorter window when there are no changes to information or requirements. The same page describes document review, a face-to-face interview, explanation of the contract and disbursement after signing.[5] [3] [6]

Before relying on a timing statement, ask:

• Does the time assume that every document is complete?

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

• When does the face-to-face step happen?

• What additional checks could extend the process?

• Will you receive the full repayment schedule before signing? [3]

On 28 August 2026, EZ Loan's public website showed an average processing time of 11 minutes, based on 5,302 applications submitted in the last 30 days. It also describes same-day decisions for some completed applications and same-day disbursement for some approved loans, subject to assessment, documents and in-person identity verification.[4] The 11-minute figure is an average, not a guarantee that your application will be completed in under 10 minutes. Ask EZ Loan what timing applies to your circumstances rather than treating a general website statistic as a promise.

EZ Loan's listed locations are Marina Square and Beach Road. Goldstar's listed locations are Hougang and Toa Payoh. If you need to attend in person, location affects the time and cost of travelling, but it does not determine price, approval or suitability.[1][4][5]

Check opening hours directly before travelling. Confirm which office will handle your application, what documents to bring and where identity verification and signing will take place.

Ask either lender:

1. What legal entity and current licence number will appear on my contract? [1] [3]

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? [3]

4. What upfront fee will be deducted?

5. What are every instalment amount and due date?

6. What is the total repayment if I pay on time? [3]

7. What charges and late interest apply if an instalment is late?

8. Can I read the full contract and repayment schedule before committing? [3]

Is Goldstar Credit licensed in Singapore? [1] [5]

The Ministry of Law list dated 1 September 2026 records GOLDSTAR CREDIT PTE. LTD. under licence 128/2025, with locations in Hougang and Toa Payoh. Check the latest list again before applying because Registry information can change.[1][5] [3]

Is EZ Loan cheaper than Goldstar Credit? [5] [4]

Public rate wording is not enough to answer that for your circumstances. EZ Loan advertises a rate as low as 0.82% per month for eligible applicants, while Goldstar publishes a 1–4% per month range. Request written offers for the same amount, tenure and borrower information, then compare cash received, fees, instalments and total repayment.[4][5] [3]

How long does a Goldstar Credit application take? [5]

Goldstar says applications usually take 20–30 minutes, depending on requirements. It says some returning customers may take 5–10 minutes when their information and requirements have not changed. These are conditional statements, not guaranteed outcomes.[5]

Can I complete the whole loan online?

You may start online with either lender, but both public processes include an in-person step. EZ Loan describes in-person identity verification, while Goldstar describes document review and a face-to-face interview before signing and disbursement.[4][5] [6]

What should I check when reading Goldstar Credit and EZ Loan review pages? [5] [4] [6]

The available review sources use different platforms, dates and samples, so they do not establish a reliable winner. Read detailed comments for information about explanations, communication and branch experience. Do not use a star rating or review count as proof of lower cost, approval or affordability.[4][6][7] [5]

What is the fairest way to choose?

Verify both entities against the latest Ministry of Law list, request written offers for the same principal and tenure, compare the total repayment and every due date, and choose only if the repayment fits your budget. Do not provide a Singpass password or sign a blank contract.[3]

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

Ask EZ Loan and Goldstar for written terms using the same request. Compare the verified legal identity, net amount received, interest calculation, fees, instalments and total repayment. Ask questions if a timing statement or contract term is unclear. [3] [5] [4]

If EZ Loan's written offer fits your needs, use only the official EZ Loan website and verify its details against the latest Registry list first. [1] [4]

This article is general information and does not replace the lender's written contract or independent financial advice. [3]

• [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] Goldstar Credit official website — checked 12 September 2026

• [6] Goldstar Credit Hougang review page — snapshot checked 12 September 2026

• [7] Goldstar Credit Toa Payoh review page — snapshot checked 12 September 2026