EZ Loan vs Lending Bee: online applications and branch visits

Many borrowers start comparing Lending Bee and EZ Loan online, but an online application does not mean the loan can be completed remotely. MinLaw requires licensed moneylenders to verify a borrower's identity in person at an approved place of business before granting a loan.[2] Compare what you can complete remotely, what must happen at the office and when you will see the full written offer.

EZ Loan may be worth considering early if one of its two registered locations suits your route. The 1 September 2026 MinLaw Registry list records EZ LOAN PTE. LTD. under licence 19/2026 at Marina Square and Beach Road. The same list records LENDING BEE PTE. LTD. under licence 41/2026.[1] Location fit is a practical consideration, not proof of lower cost, faster approval or a better loan.

The short answer

Plan for an office visit, not just a form submission. Check which registered office you will attend, what documents you need and when the complete offer will be explained. The in-person identity check is a requirement for EZ Loan and Lending Bee alike.[2] Choose a suitable location, then compare the written terms rather than judging only the convenience of the first form.

What the office visit must cover

These requirements come from MinLaw, rather than being a special service offered by either lender.[2][3] They do not promise that a loan request will be approved.

What can start online?

Lending Bee's website says applicants can use Singpass and describes a digital start. Its help page then draws the important line: the borrower must complete face-to-face verification and sign the loan contract in person at a licensed moneylender's registered office before funds can be disbursed.[6][7]

That distinction helps you plan the office visit. Ask which documents are needed and when the full terms will be explained. An assessment message is not a final approval or completed loan.

MinLaw's borrower guidance is the common baseline. Verify the physical and website address against the official list of licensed moneylenders before visiting a lender's website or office.[2][3] A website form does not turn a licensed-moneylender transaction into a fully online loan.

When EZ Loan or Lending Bee fits your route

Lending Bee's current materials say it operates four branches, and the MinLaw Registry lists four registered places of business: Far East Plaza at 14 Scotts Road, Bedok North at 205 Bedok North Street 1, Yishun Central at 925 Yishun Central 1 and J Connect at 135 Jurong Gateway Road.[1][6] Confirm the current address and the office where your appointment will take place before travelling.

EZ Loan's same Registry entry lists two registered places: 6 Raffles Boulevard, #03-308, Marina Square, and 3 Beach Road, #01-4853, Beach Road Gardens.[1] If either location fits your daily route, that can make the required in-person step easier to plan. You can check the Marina Square location page or Beach Road location page, then verify the details before your visit.

Read the offer before you sign

Lending Bee's help page tells borrowers to review the approved amount, amount disbursed, interest, applicable fees and repayment schedule carefully before accepting a loan.[7] Use the same checklist with EZ Loan:

• Before booking: which registered office will you attend, and what documents should you bring?

• During the appointment: when will you receive the complete written offer, rather than an initial assessment message?

• Before signing: can the loan officer explain the repayment dates and costs, and will you receive a copy of the contract?

Keep the comparison like-for-like. A general website statement, an indicative example and a personalised written offer are different types of information. Do not turn one into a guaranteed price or outcome.

Frequently Asked Questions

Do I still need a branch visit if I apply to Lending Bee online?

Yes. Lending Bee's help page says borrowers must complete face-to-face verification and sign the loan contract in person at a registered office before funds can be disbursed.[7] Confirm the appointment location and documents directly.

What should be explained before I sign?

MinLaw says the lender must explain the loan terms in a language you understand and provide a copy of the contract.[3] Lending Bee's checklist covers the approved amount, amount disbursed, interest, applicable fees and repayment schedule.[7] Ask for anything unclear to be explained before you sign.

What figures must I compare in the offer?

At the offer discussion, check the approved amount against the amount to be disbursed, then review the interest, fees and repayment schedule.[7] Use the written offer you are considering, not an initial application message. Keep the same principal and repayment period when comparing it with another lender's offer.

How many registered places does Lending Bee have?

The MinLaw list dated 1 September 2026 records four registered places for Lending Bee: Far East Plaza, Bedok North, Yishun Central and J Connect.[1] Check the current MinLaw list and confirm the appointment address before you go.

A practical next step

If online initiation matters to you, write down the full sequence before applying: form submission, identity verification, offer explanation, signing and disbursement. Ask Lending Bee or EZ Loan which steps apply to your request and where they will happen. Then compare the written terms for the same amount and repayment period.

You can review EZ Loan's personal-loan information and its Marina Square and Beach Road location pages. Verify the current address and offer before signing.

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

• [6] Lending Bee official website

• [7] Lending Bee Help & Support FAQs