Horison Credit reviews: how it compares with EZ Loan

Horison Credit reviews can help you judge what to ask about service. Compare its Chinatown office with EZ Loan's Beach Road and Marina Square branches, then examine the repayment plan each offers. EZ may be worth considering if its locations fit your routine; the written terms still need to fit your budget.[1][2][8]

Publisher disclosure: EZ Loan publishes this comparison and is one of the lenders discussed. It is general information, not an independent review or a personalised loan offer.

Details checked on 22 September 2026. Licence and registered-office information uses the Ministry of Law list dated 1 September 2026.[1]

Horison's review page displays Google feedback about friendly staff, explanations and the application process. September 2026 examples mention detailed explanations and a quick process. Those comments are useful prompts for your appointment: will the officer explain each charge and give you time to understand the repayment schedule?[9]

EZ Loan's recent Trustpilot feedback includes comments about clear terms and patient guidance. It also includes a customer who found remote verification cumbersome before an onsite staff member clarified matters. That is a reminder to ask what happens before and during the visit, even when other reviews describe a smooth experience.[5]

Use the review details as questions to ask rather than a promise of the same outcome. These pages show different samples on different platforms. A star rating cannot tell you whether your particular offer is affordable.[2][5][9]

Whichever lender you choose, use your own Singpass login and do not share your credentials. The Ministry of Law warns borrowers against giving a lender their Singpass user ID or password.[2]

Horison's registered office is at People's Park Complex in Chinatown. That can make sense if you already spend time in the area. EZ Loan gives you two other appointment locations: 3 Beach Road, #01-4853, and 6 Raffles Boulevard, #03-308, Marina Square.[1][8]

The practical benefit depends on your route. Check EZ's Beach Road and Marina Square pages before deciding which location to contact. Confirm the appointment time and documents with the branch so you can plan the visit around work or other commitments.[11][12]

A convenient office is one consideration. Keep enough time during the appointment to read the contract and ask about unfamiliar terms. MinLaw says lenders must explain the terms in a language you understand and give you a copy of the contract.[2]

The repayment period deserves as much attention as the application.

EZ says borrowers can repay by bank transfer, PayNow or in person, with available options on the repayment card. If you prefer to make payments without another branch trip, ask how to reference the transfer and check that it has reached the right account.[4]

EZ also says it offers early full settlement at no extra cost. Ask for the final settlement amount if you want to repay ahead of schedule; this does not mean no interest is payable. Confirm the policy in your agreement. Ask Horison about its own payment and settlement terms rather than assuming they differ.[4]

For planning, EZ's personal loan calculator lets you explore estimated repayments. Horison also provides a repayment calculator on its website. Use the same inputs where possible and check the result against the actual offer; a calculator does not decide eligibility or approve a loan.[8][13]

Before choosing either lender, fill in these details from the proposed contract.

Keep the loan amount and repayment period consistent when comparing offers. Then check the proposed instalments against your income, essential expenses and existing repayments. Borrow only what you need and can repay.[2]

If you want to explore EZ's pricing, its advertised starting rate is 0.82% per month for eligible applicants. Approval, borrower profile and final terms determine the offer. Ask for your own rate and fees; the starting figure is not proof that EZ costs less than Horison.[4]

Is Horison Credit a licensed moneylender?

The Ministry of Law list dated 1 September 2026 includes HORISON CREDIT PTE. LTD. under licence 4/2026 at People's Park Complex. Check the current Registry entry and match the website and address before sharing personal information.[1][3]

Does applying with Singpass remove the branch visit?

No. Horison's published process includes Singpass MyInfo and an in-person verification and signing stage. MinLaw requires face-to-face identity verification at an approved place of business before a licensed moneylender grants a loan. EZ's online starting point also leads to a branch visit.[3][4][8]

Is cooling-off cancellation the same as early settlement?

They are different. From 15 September 2026, unsecured loans other than business loans have a three-business-day cooling-off period, excluding Saturdays, Sundays and Singapore public holidays. During it, cancellation carries no interest, although the lender may retain a permitted portion of the approval fee. Outside that period, ask for a settlement amount under your agreement rather than assuming those cancellation terms still apply.[10]

If Beach Road or Marina Square is convenient, use the branch information to plan a conversation with EZ Loan. Ask the officer to explain the repayment schedule and total payable. You can then compare a concrete offer with Horison's, rather than choosing from reviews alone.[2][11][12]

• [1] MinLaw Registry: list dated 1 September 2026

• [2] MinLaw borrower guidance

• [3] MinLaw approved places and identity verification

• [4] EZ Loan: application, rate and repayment information

• [5] EZ Loan customer reviews on Trustpilot

• [8] Horison Credit: application and repayment calculator

• [9] Horison Credit displayed Google reviews

• [10] MinLaw cooling-off announcement, 31 August 2026

• [11] EZ Loan Beach Road branch

• [12] EZ Loan Marina Square branch

• [13] EZ Loan repayment calculator