Mon - Sat : 11am - 7pm
Mon - Sat : 11am - 7pm
Personal Loans
Payday Loans
Business Term Loans
Debt Consolidation Loans
Vacation Loans
Investment Loans
Wedding Loans
Renovation Loans
Education Loans
Small Business Loans
Moneylender Loans
Medical Loans
Foreigner Loans
Borrow Money Online
Low Interest Rate Loans
Personal Loan Calculator
Credit Card Consolidation
Emergency Loans
Legal Loans
Small Cash LoansPersonal Loans
Payday Loans
Business Term Loans
Debt Consolidation Loans
Vacation Loans
Investment Loans
Wedding Loans
Renovation Loans
Education Loans
Small Business Loans
Moneylender Loans
Medical Loans
Foreigner Loans
Borrow Money Online
Low Interest Rate Loans
Personal Loan Calculator
Credit Card Consolidation
Emergency Loans
Legal Loans
Small Cash Loans
Rates from 0.82% per month. Find a lower rate and we'll match it. You can get cash in your bank in less than 10 minutes of arriving. If 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.
Rates from 0.82% per month. Find a lower rate and we'll match it. You can get cash in your bank in less than 10 minutes of arriving. If 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
Speed up your application with MyInfo
Have your personal details filled in automatically. This also helps us to approve your loan more quickly!
Retrieve MyInfo
by EZ Loan Pte Ltd
Updated 25 October 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
LAST UPDATE
25 Oct 2026
Application Submitted
in last 30 days
6938
Processing Time
average
16 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
Bank personal loan rejected? Check possible reasons, credit records and repayment costs before applying again. Explore personal loan options with EZ Loan.
Compare EZ Loan's rates from 0.82% per month for eligible applicants with Best Licensed Moneylender and three others. Check fees and written terms.
Compare monthly instalments and total repayment on equivalent written offers from EZ Loan and 12 Lend.
Compare the full repayment schedule, instalments, due dates, fees and total repayment before choosing between EZ Loan and KBB Credit.
Compare EZ Loan and Friday Finance using written offers, total repayment and Friday’s conditional administration-fee refund.
Speed up your application with MyInfo
Have your personal details filled in automatically. This also helps us to approve your loan more quickly!
Retrieve MyInfo
Beach Road
