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Small Cash LoansIf you are comparing the best licensed money lender in Singapore, start with practical details you can verify: the lender's current Registry entry, approved premises, application route and complete written offer. EZ Loan may be worth considering because it lists two approved premises and lets you start an enquiry online before the required face-to-face verification. The Ministry of Law Registry and your written contract remain the sources to check before deciding. A public rate or convenient process does not guarantee approval, affordability or a particular offer.
How much do you want to borrow?
$1,000
$1,000
$100,000
Term (months)
6 months
1 mths
36 mths
by EZ Loan Pte Ltd
Updated 20 September 2026
EZ Loan gives borrowers three concrete points to assess when building a shortlist of licensed moneylenders: two Registry-listed premises at Marina Square and Beach Road, an online starting route followed by document checks and face-to-face identity verification, and a website-advertised rate as low as 0.82% per month for eligible applicants. These details may matter if you want a choice of location, prefer to begin an enquiry online or want to ask whether the advertised starting rate applies to your application. They do not make EZ Loan universally the best or cheapest lender. If you are looking for a top licensed money lender to consider, compare EZ Loan's written interest rate, fees, instalments and total repayment with equivalent offers. The current Registry entry, the latest EZ Loan process information and the complete written offer are the practical checks that matter before signing.
Start Your Application
Find out how much your repayments and interest rate could be with our calculator.
How much do you want to borrow?
$1,000
$1,000
$100,000
Term (months)
6 months
1 mths
36 mths
Interest % (Monthly)
Total Payment
Monthly Installment
Total Interest
LAST UPDATE
20 Sept 2026
Application Submitted in last 30 days
6446
Processing Time average
15 minutes
As a licensed money lender under the Registry of Moneylenders, we comply fully with the Moneylenders Act. This means you can trust that your funds come from a secure and reputable source.
Before offering a loan, we take the time to understand your unique financial situation. Our experienced team will clearly explain the terms and conditions of your loan, ensuring everything is straightforward. We're always here to answer any questions or concerns you may have.
Our service goes beyond simply lending money. With personalised loan plans and fast approval, you can rely on us to provide financial support when needed. We prioritise clear communication to ensure peace of mind at every step.
Your privacy and security are our top priorities. Our team adheres to strict data protection protocols, keeping your personal information, loan details, and documents confidential. We are dedicated to delivering excellent customer service throughout your loan process.
You can start an EZ Loan enquiry online, but the process includes assessment, document checks and face-to-face identity verification at an approved place of business before a loan is granted. Before signing, check the legal name, licence, address and website against the latest Ministry of Law Registry list. Ask for the complete contract and repayment schedule, then compare the interest calculation, administrative fee, instalments, late-payment terms and total amount payable. The statutory limits for licensed moneylenders are legal ceilings, not a quotation for your loan. Your signed written offer controls the actual obligation. Estimate a repayment you can manage and do not sign a blank or incomplete contract or pay an upfront GST or processing fee before disbursement. Use the personal-loan calculator as a planning aid, then contact EZ Loan through its official website if you need to clarify the application route or written terms.
Maximum 4% per month on the reducing balance, regardless of income or loan type.
Interest is calculated on what you still owe, not the original amount. As you repay, the interest amount drops each month. This cap is set by the Ministry of Law and applies to every licensed moneylender in Singapore.
Maximum 10% of the loan principal, charged once at disbursement.
For a $5,000 loan, the maximum admin fee is $500. EZ Loan does not charge early repayment penalties — if you settle your loan ahead of schedule, you pay less total interest.
$60 per month maximum for each month a payment is overdue.
Late fees cannot compound or exceed this monthly cap. If you are facing difficulty, contact us early — we can often work out a revised repayment arrangement.
All charges combined (interest plus every fee) can never exceed 100% of the principal.
This means if you borrow $3,000, the maximum you will ever owe — including interest, admin fees, late fees, and any other charges — is $6,000. This is a statutory safeguard under the Moneylenders Rules.
Application processing/completion
Verification required
Decision or disbursement
Ministry of Law · 19/2026
Application processing/completion can be under 10 minutes for eligible applications with complete documents. Some completed applications may receive a same-day lending decision, and some approved loans may be disbursed on the same day, subject to assessment, document verification, face-to-face identity verification and signing.
The minimum requirements for applying for a loan depend primarily on your citizenship, income level and age. We welcome Singaporeans/PRs and foreigners.
Besides banks, licensed money lenders are a great and legal alternative
to secure your loan in Singapore.
Singaporeans or PRs need to present the following:
NRIC SingPass Payslips for the last three months, if availableForeigners need to present the following:
Employment Pass/ S Pass / Work Permit with a minimum 6-month validity Passport Payslips for the last three months, if available Employment Contract
You can start your application online, visit one of our offices, or connect with us via WhatsApp—whichever is most convenient for you.
Visit one of our branches for a free consultation, present the necessary documents, and finalise the loan agreement.
Some approved loans may be disbursed on the same day. Timing depends on assessment, document verification and the required face-to-face identity verification.
Jun 23, 2026
Aug 28, 2026
Jul 08, 2026
Jun 15, 2026
Aug 07, 2026
Credit 21 advertises rates that may start from 1% per month from one registered office at International Plaza. EZ Loan publishes an advertised rate as low as 0.82% per month for eligible applicants and two registered branches. Compare the licence, the written offer and the total amount payable before you sign.
Lending Bee has four registered branches but publishes the 4% legal ceiling on its personal loan and conflicting tenure figures across products. EZ Loan publishes an advertised rate as low as 0.82% per month for eligible applicants and one set of terms. Compare the licence, the written offer and the total amount payable.
Raffles Credit advertises 1–4% from one office at Circular Road and says an interest discount applies on early settlement, without publishing the amount. EZ Loan publishes an advertised rate as low as 0.82% per month for eligible applicants and early full settlement at no extra cost. Compare the written terms.
Compare EZ Loan and Cash Direct by approved locations, application routes, public rate wording, reviews and written repayment terms before applying.
What changes from 15 September 2026: eligible loans, three business days, no interest and approval-fee retention limits.
Beach Road