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Small Cash LoansEZ Loan’s low-interest rate loans stand out as an affordable borrowing solution, perfect for clients who want to minimize repayment costs. With a swift 20-minute approval, EZ Loan makes it convenient for borrowers to access funds while benefiting from competitive interest rates, keeping monthly payments manageable and reducing the overall cost of the loan. Low-interest rate loans are designed to support various financial needs, from covering significant expenses to consolidating debt. As a licensed moneylender, EZ Loan offers transparent loan terms, providing a reliable option for those looking for an affordable lending solution. Our customer-focused team ensures that each client receives a loan with favourable rates and flexible repayment options. With EZ Loan’s low interest rate loans, borrowers can meet their financial goals without incurring high costs, and with the added benefit of flexible repayment terms.
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 August 2026
A low-interest rate loan is a financing option that offers reduced interest rates, making it more affordable to repay over time. This type of loan is ideal for clients seeking to borrow for various needs, such as consolidating high-interest debt, covering medical expenses, or financing personal projects. With fixed monthly payments, low-interest rate loans provide a clear and predictable way to budget for repayments, allowing borrowers to save on interest while managing their financial obligations.
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 Aug 2026
Application Submitted in last 30 days
5315
Processing Time average
11 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.
Low-interest rate loans from licensed moneylenders in Singapore provide a legal and affordable option for those seeking financing with minimal interest costs. These loans are an ideal alternative to traditional bank loans, offering budget-conscious borrowers a way to manage essential expenses or unexpected costs without high-interest fees. With EZ Loan’s streamlined approval process, which includes a simple and straightforward application, clients can access funds within minutes, allowing them to address financial needs promptly and efficiently. EZ Loan’s low-interest rate loans feature flexible repayment terms and multiple payment options, including PayNow, bank transfer, and in-person cash payments, giving clients full control over how and when they make repayments. Our dedicated team works closely with each client to provide loan solutions that align with their financial situation, ensuring affordability and transparency. Whether you need funds for medical expenses, education, or personal projects, EZ Loan’s low-interest rate loans make borrowing accessible, simple, and cost-effective. We prioritize a stress-free experience, helping clients meet their financial goals with confidence and peace of mind.
Under the Moneylenders Act, licensed moneylender interest rates are capped at 4% per month. EZ Loan (Licence 19/2026) operates within these statutory limits. Total charges capped at 100% of principal.
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.
Loan Approval
Required
Disbursed on the spot
by Registry of Moneylender
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.
Apr 13, 2026
Jul 08, 2026
Jun 15, 2026
Aug 07, 2026
Aug 08, 2026
How to find and verify a licensed moneylender in Singapore, plus what to expect at EZ Loan's Beach Road and Marina Square branches.
What actually determines approval and payout speed at a licensed Singapore moneylender, and why it's a capability — not a guarantee — for every applicant.
What NRIC, income proof and address documents you need to apply with a licensed moneylender in Singapore, plus the SingPass MyInfo shortcut.
Learn how monthly instalment loans work, how reducing-balance interest is calculated, what repayment schedules show and what to check before signing.
EZ Loan's review record: 1,400+ Google reviews at 5.0 stars across two Singapore branches, plus Trustpilot verification. How to check if a moneylender is legitimate, what real borrowers report, and how to verify any lender before you borrow. By EZ Loan, Licence 19/2026.
Beach Road