Finding a Licensed Moneylender Near You in Singapore

If you're searching for a "licensed moneylender near me," two things matter: confirming the lender is actually licensed by the Ministry of Law before you go anywhere, and knowing that applying with a licensed moneylender involves a face-to-face branch visit. At EZ Loan, identity verification happens in person at a branch before a loan is granted. EZ Loan operates two branches in central Singapore, Beach Road and Marina Square, both open Monday to Saturday, 11am to 7pm, closed Sundays and public holidays.

This guide covers how to verify any moneylender before you commit, what a branch visit actually involves, and the two EZ Loan locations.

• How to verify a moneylender is actually licensed
• What "near me" should really mean when you're comparing lenders
• EZ Loan's two branches
• What to expect when you visit
• FAQ

Before you walk into any moneylender's office, check that it's on the official Registry. The Ministry of Law publishes the full list of licensed moneylenders at rom.mlaw.gov.sg. Search the business name and confirm the licence is current and the address matches where you're headed.

This step matters because unlicensed lending is illegal. Under MinLaw's advertising rules, licensed moneylenders may advertise through only three channels: business or consumer directories, their own website, and advertisements within or on the exterior of their business premises. All other channels are prohibited. An unsolicited SMS, WhatsApp message, email or flyer offering you a loan is therefore either an unlicensed lender or a licensed one breaking the rules. MinLaw advises not responding, and reporting it to the Registry. See our related guide on spotting licensed vs. unlicensed moneylenders for the full list.

EZ Loan's licence number is 19/2026, verifiable on the same Registry.

A licensed moneylender's physical address matters for one concrete reason: EZ Loan verifies identity face-to-face at its approved place of business before any loan is granted, regardless of how you started your application. So "near me" isn't just convenience. It's the location you'll actually need to visit to complete the process.

That's true even if you apply online first. You can start an application through SingPass at any time, but the in-person step at a branch still has to happen.

EZ Loan operates two branches, both in central Singapore, maintained deliberately to give borrowers a choice of location.

Beach Road Branch

3 Beach Road, #01-4853, Singapore 190003

Monday–Saturday, 11am–7pm. Closed Sundays and public holidays.

Branch details →

Marina Square Branch

6 Raffles Boulevard, #03-308, Marina Square, JustCo, Singapore 039594

Monday–Saturday, 11am–7pm. Closed Sundays and public holidays.

Branch details →

Both branches operate under the same licence (19/2026), take applications the same way, and apply the same eligibility criteria. Your rate and final terms always depend on approval and your individual profile, so you can apply at whichever branch is more convenient for you.

If you've already started your application online, the branch visit is typically the final step: identity verification against the documents on file, and, if your application is approved, arranging disbursement by PayNow, bank transfer, or cash. Most completed applications are handled in a single visit, and a same-day decision is achievable for eligible applicants who complete the process during opening hours, though this depends on your documentation and eligibility rather than being guaranteed.

If you haven't applied yet, you can walk in directly during opening hours. Starting online first through SingPass tends to mean less to bring with you: SingPass supplies most identity and income details, and supporting documents are only needed where SingPass can't verify something (commonly the case for self-employed applicants).

Bring a physical form of ID: your NRIC, or your work pass and passport if you're a foreign applicant. EZ Loan accepts eligible foreign applicants holding valid work passes, subject to eligibility.

Do I need to visit an EZ Loan branch even if I apply online?

Yes. EZ Loan verifies identity face-to-face at its approved place of business before any loan is granted, regardless of how the application started.

What are EZ Loan's opening hours at Beach Road and Marina Square?

Both branches are open Monday to Saturday, 11am to 7pm, and closed on Sundays and public holidays (as of 12 August 2026).

Is there a difference between EZ Loan's Beach Road and Marina Square branches?

Both operate under the same licence (19/2026), take applications the same way, and use the same eligibility criteria. Your rate and final terms depend on approval and your individual profile, so choose whichever branch is more convenient.

How do I check if a moneylender near me, including EZ Loan, is actually licensed?

Search the business name on the Ministry of Law's Registry of Moneylenders at rom.mlaw.gov.sg. EZ Loan's licence number is 19/2026.

Can foreigners apply for a loan at EZ Loan's Beach Road or Marina Square branch?

Yes. EZ Loan accepts eligible foreign applicants holding valid work passes at either location, subject to eligibility assessment.

Which licensed moneylenders in Singapore offer low interest rates?

Licensed moneylenders in Singapore can charge up to 4% per month in interest by law. EZ Loan's advertised rates start from as low as 0.82% per month for eligible applicants (as of August 2026), with your actual rate depending on approval and your individual profile. When comparing lenders, look at the full cost: interest, permitted fees, and late charges, all set out in your written loan agreement before you sign.

What interest rate does EZ Loan charge?

EZ Loan's rates start from as low as 0.82% per month for eligible applicants (as of August 2026), subject to approval and your profile. The statutory cap for all licensed moneylenders is 4% per month; your final rate is confirmed in your loan agreement.

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