Mon - Sat : 11am - 7pm

phone number+65 6291 2832whatsapp number+65 9169 6295
Insights

Apply For a Payday Loan Today

EZ Loan offers payday loans tailored for individuals needing immediate cash flow before their next paycheck. Designed to cover short-term expenses, payday loans provide quick solutions for those facing urgent financial needs like medical bills, daily expenses, or emergency repairs. EZ Loan’s process ensures fast approval, so you can get the financial support you need without lengthy waiting times. One of the best features of EZ Loan’s payday loans is our efficient approval process. Borrowers can receive loan approval within just 20 minutes, a crucial advantage when handling unexpected financial emergencies. Our streamlined application process allows you to apply online or in person, and our experienced team prioritises clear communication to ensure a smooth, straightforward experience from application to fund disbursement. Whether you’re new to payday loans or familiar with short-term financing options, EZ Loan’s system is designed to make access to funds as easy as possible. As a licensed money lender in Singapore, EZ Loan is committed to transparency and responsibility in lending. We provide transparent, upfront information about fees, repayment terms, and any conditions associated with our payday loans. Repayment is typically due on your next payday, and we make sure you fully understand your obligations before finalising any agreement. Should any issues arise with repayment, our team is here to discuss flexible options to help you stay on track, making EZ Loan a trusted partner in managing short-term financial needs effectively.

Apply Online, Quick and Easy with EZ Loan

How much do you want to borrow?

$1,000

$1,000

$100,000

Term (months)

6 months

1 mths

36 mths

Apply Now - 20 Minutes Approval
hero-bghero-bg
icon

Updated 22 July 2025

What Are Payday Loans?

A payday loan is a short-term, unsecured loan intended to help individuals meet immediate expenses before their next paycheck. It provides fast access to funds without requiring collateral based on the borrower’s financial profile and income level. Unlike traditional loans, payday loans are generally repaid in a single instalment on the borrower’s next payday, making them suitable for managing unforeseen costs without long-term obligations. The main benefit of payday loans is their speed and convenience. Borrowers can use them for almost any purpose, from emergency repairs to medical bills, and with licensed moneylenders like EZ Loan, approval and disbursement are streamlined to meet urgent needs. This makes payday loans practical for those seeking flexible, rapid financial support with minimal waiting time.

Apply Now - 20 Minutes Approval
image

Personal Loan Calculator

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

$0

Monthly Installment

$0

Total Interest

$0

Track Today’s Application Submitted and Processing Time

LAST UPDATE

22 Jul 2025

Application Submitted in last 30 days

6804

graph image
ezloan logo round

Processing Time average

16 minutes

graph image
ezloan logo round

Why Take a Payday Loan With Us

Arrow Down

Flexible Loan Plans

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.

Arrow Down

Affordable and Transparent Repayments

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.

Arrow Down

Quick Access to Funds

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.

Arrow Down

Guaranteed Privacy and Exceptional Service

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.

Understanding Payday Loans

Gain Access to Payday Loans Quickly

In Singapore, payday loans can be obtained from licensed moneylenders. This option offers a legal, fast alternative to traditional banks. EZ Loan’s 20-minute approval process means you receive funds quickly, meeting various needs, from emergency expenses to school fees. EZ Loan’s payday loans are versatile, covering everything from daily needs to repairs. Repayments are made in a single instalment on your next payday, with payment options like bank transfer, PayNow, or in-store cash payments. Our experienced team ensures a supportive, secure experience every step of the way.

about us background image

Easy Payday Loans with EZ Loan

Arrow Down

Payday loans Singapore
for quick and reliable cash solutions

Payday loans in Singapore are a lifeline to people who require quick access to money in case of an unplanned financial emergency. At EZLoan, we offer the most efficient payday loan services that will enable you to cover urgent expenses without any unwarranted delays.

Arrow Down

Quickest payday loans
to meet your urgent financial needs

When time is of the essence, EZLoan's fastest payday loans come in handy. We realize that financial emergencies can't wait, so we offer fast approvals and same-day disbursement to eligible borrowers. Our loans have been designed to be both simple and accessible, ensuring you can address your immediate financial needs with ease.

Arrow Down

Short term loans
made easy and accessible in Singapore

Short-term loans are a convenient way to manage financial gaps, and EZLoan makes it easy and accessible for everyone in Singapore. Made for fast approval and flexibility in use, our short-term loans can be used for various needs such as urgent bills, unexpected repairs, or temporary shortages of cash.

We’re Ready to Support Your
Financial Needs

30-minute

Loan Approval

No Guarantor

Required

Cash

Disbursed on the spot

Licensed

by Registry of Moneylender

Eligibility Criteria

The minimum requirements for applying for a loan depend primarily on your citizenship, income level and age. We welcome Singaporeans/PRs and foreigners.

At least 21 years of age

With a minimum monthly salary of SGD 2,000

Besides banks, licensed money lenders are a great and legal alternative
to secure your loan in Singapore.

Documents We’ll Need

Singaporeans/PR

Singaporeans or PRs need to present the following:

  • check-mark NRIC
  • check-mark SingPass
  • check-mark
    If renting, provide both:
    • Your tenancy agreement
    • Proof of address such as your phone bill or utility bill
  • check-mark Payslips for the last three months, if available

Foreigners

Foreigners need to present the following:

  • check-mark Employment Pass/ S Pass / Work Permit with a minimum 6-month validity
  • check-mark Passport
  • check-mark
    Residence information in the form of both:
    • Phone bill or utility bill
    • Tenancy agreement
  • check-mark Payslips for the last three months, if available
  • check-mark Employment Contract

3 Easy Steps - Loan Application Process

Apply Anytime

You can start your application online, visit one of our offices, or connect with us via WhatsApp—whichever is most convenient for you.

Book a Consultation

Visit one of our branches for a free consultation, present the necessary documents, and finalise the loan agreement.

Collect Your Cash

Once your loan is approved, you can receive your cash in 30 minutes

Loans for All Circumstances

Browse different loan types to learn more

Why do Singaporeans choose us
as their go-to moneylender?

Read our reviews on Google or check recent ones below.

Star
StarStarStarStarStar

Apr 10, 2025

It was my first time coming here to EZ Loan, felt welcomed by the staffs. It was a quick & easy transaction. Would definitely come back again in the future, thank you Evan for your professionalism & efficiency!

dantam
Star
StarStarStarStarStar

Mar 24, 2025

Highly recommended. Easy and hassle-free transaction from the very beginning via ws chat. Friendly and helpful officer, especially Len. His explanation and assistance is clear, concise and extremely helpful. This is a place that really genuinely assist people who require emergency fund. The office is clean and comfortable. Makes you feel at ease amd easy to communicate. Thanks EZLoan.

NR
Star
StarStarStarStarStar

Jun 11, 2025

I had a great experience borrowing from this moneylender. My relationship manager, Shania, was very helpful, patient, and approachable. She guided me through the process clearly and made everything feel smooth and stress-free. Really appreciate her professionalism and warm attitude!

Emily with love
Star
StarStarStarStarStar

Jun 04, 2025

I'm really impressed with the service I received! This place prioritizes privacy, which made me feel comfortable throughout the entire process. The team is also super responsive via WhatsApp, and their replies are lightning-fast. The entire process was efficient and hassle-free, thanks to their professionalism and speed. Highly recommend!

Ida Maya
Star
StarStarStarStarStar

Jun 16, 2025

🌟🌟🌟🌟🌟 “Exceptionally Fast and Friendly Service!” I had an urgent need for a personal loan and was nervous at first, but the staff at EZ Loan Beach Road were incredibly professional and kind. From the moment I walked in, I was greeted warmly and made to feel at ease. The process was very clear and transparent – they explained the terms thoroughly and answered all my questions patiently. I was especially impressed by how fast everything moved. I submitted my documents and got approval in under 20 minutes. The disbursement was quick too – I walked out with the funds I needed in less than 40 minutes. A big thank you to the loan officer who assisted me – very respectful, non-judgmental, and genuinely helpful. If you’re looking for a trustworthy and efficient moneylender in Singapore, I highly recommend this branch. ⭐

Nesvar Subramaniam

Frequently Asked Questions

You must be at least 21 years old, with minimum annual income requirements, depending on citizenship.

Get Expert Insights On Money Management

Visit our blog and get practical tips on smart borrowing

Blog images

Navigating Financial Landscape: When to Consider a Personal Loan

In today’s fast-paced world, managing finances can sometimes feel like navigating through a dense fog. Whether it’s an unexpected medical bill, a sudden need for car repairs, or the desire to consolidate high-interest debt, personal loans can serve as a beacon of hope. However, the decision to take out a personal loan shouldn’t be made lightly. Here’s a comprehensive guide to help you understand when it might be beneficial to consider a personal loan.

Blog images
Blog images

How to Identify Licensed vs. Unlicensed Moneylenders?

Sudden and unforeseeable situations can arise without warning, possibly out of our control too. Such situations can sometimes impair our ability to make sound judgment and decisions calmly and logically. Taking up a loan may be mandatory but because we are sometimes overtaken by our emotions, we may end up borrowing from an unlicensed moneylender. Hence, EZ Loan Pte Ltd is here to provide help and assistance for your needs. As such, EZ Loan Pte Ltd has come up with a guide that will help you in your judgment in determining whether the moneylender you are keen in, is a licensed or unlicensed moneylender, so that you can borrow legally and worry free with us.

Blog images
Blog images

Moneylender Rates & Fees: How Much Can They Charge?

Wondering how much does it cost for a personal loan from a legal moneylender? This article will answer your questions. For all licensed moneylenders in Singapore, the loan amounts and charges are drafted and calculated by adhering strictly to the rates and charges which are allowed, and stated by the Ministry of Law.

Blog images
Blog images

How to Get a Wedding Loan in Singapore? 101 Guide

Planning your dream wedding can be both an exciting and stressful affair. Between choosing the perfect venue, and finding that show-stopping dress, wedding costs can quickly snowball. But that shouldn’t affect your happily ever after! The solution? Short-term personal loans! In this comprehensive guide, our loan experts at EZLoan explore how you can apply for a wedding loan in Singapore – a helpful financial tool that can bridge the gap between your dream wedding and reality.

Blog images
Blog images

The Entrepreneur’s Guide to Securing a Business Loan with EZ Loan

At EZ Loan, we understand the unique challenges and opportunities that entrepreneurs and small business owners face in Singapore. Securing a business loan is a critical step for many businesses looking to scale, innovate, or simply manage cash flow more effectively. We’re here to guide you through this process, making it as straightforward and beneficial as possible.

Blog images
View All Insights