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Legal Loans
Small Cash LoansChoose security and reliability with the Legal Loan from EZ Loan. Being a licensed money lender in Singapore, we will offer you safe and transparent borrowing customized according to your financial needs. Apply for a legal loan today and get your funds with flexible repayment terms, with no hidden charges. When it comes to borrowing, security and reliability are essential. At EZ Loan, we offer Legal Loans that are fully regulated under Singapore’s Moneylenders Act, providing you with a safe and transparent borrowing experience. Whether you’re consolidating debt, covering unexpected expenses, or managing larger financial commitments, our legal loans are designed to meet your needs with confidence and ease. Our Legal Loans ensure a quick and hassle-free process. Apply online or in person, and receive approval with immediate fund disbursement. With flexible repayment terms and competitive interest rates, you can tailor your loan to suit your financial circumstances while staying in control of your obligations. As a licensed moneylender in Singapore, EZ Loan is committed to upholding the highest standards of transparency and professionalism. We take pride in offering secure and fair financial solutions, giving you peace of mind every step of the way. Let us help you access the funds you need, safely and responsibly.
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 16 September 2026
A legal loan is a safe and regulated financial product offered by licensed moneylenders under the Moneylenders Act in Singapore. Unlike unlicensed variants, legal loans ensure openness to and adherence to the law for the protection of borrowers. They can be tailored for everything from debt consolidation to unforeseen expenses. Our EZ Loan litigation loans boast competitive interest rates, simple terms, and same-day approvals. That is why we proudly boast a safe, effective option for borrowers looking to satisfy their financial needs without the added risk.
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
Legal loans offer a safe, transparent, and fully regulated option for individuals to seek financial support in Singapore. Licensed moneylenders like EZ Loan make sure that every loan granted is well within the bounds of the Moneylenders Act for the assurance of the borrowers with clearly defined terms and protection. At EZ Loan, our legal loans are designed to meet your unique needs, offering flexible repayment options, competitive interest rates, and fast disbursements. With over a decade of experience, we’re committed to providing a seamless borrowing process backed by trust, reliability, and exceptional service.
EZ Loan is a licensed moneylender in Singapore (Licence 19/2026). Borrowing from a licensed moneylender is legal and regulated. Interest is capped at 4% per month under the Moneylenders Act.
EZ Loan holds Licence No. 19/2026 from the Ministry of Law. Verify our licence on the MinLaw registry at rom.mlaw.gov.sg. Visit our Beach Road or Marina Square branch for a fast loan decision.
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.
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.
LAST UPDATE
16 Sept 2026
Application Submitted in last 30 days
5624
Processing Time average
12 minutes
Jun 23, 2026
Aug 28, 2026
Jul 08, 2026
Jun 15, 2026
Aug 07, 2026
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.
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.
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 ContractThe 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.
Beach Road
