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Small Cash LoansA payday loan is a short-term personal loan, usually between $500 and $3,000, that you repay on your next payday. In Singapore, payday loans are offered by licensed moneylenders regulated by the Ministry of Law under the Moneylenders Act. They're designed for people who need cash quickly and can repay within a few weeks. This guide covers how payday loans work in Singapore, what they're legally allowed to cost, who qualifies, the risks to watch for, and what alternatives exist. Whether you're considering a payday loan for the first time or comparing lenders, you'll find the specifics here. Last updated: July 2026
How much do you want to borrow?
$1,000
$1,000
$100,000
Term (months)
6 months
1 mths
36 mths
Updated 13 July 2026
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
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
13 Jul 2026
Application Submitted in last 30 days
5593
Processing Time average
12 minutes
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.
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.
Through a simplified application process with minimal documentation, you can have the funds you need in no time. Our clear terms mean you know where you stand with your repayments, and our friendly team will help you every step. Whether it be medical bills, utility payments, or whatever unexpected financial need may arise, EZLoan is your dependable partner for reliable cash solutions in Singapore.
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.
Through transparent policies, get our services which are free of stress, along with a repayments mode to suit you, whether in a case of an emergency or during a gap right before the salary date—EZ Loan delivers speedy work and absolute reliability on you.
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.
Our customer-centric approach guarantees a smooth experience with clear eligibility criteria and a transparent loan structure. With EZLoan, you get all the benefits of fast service, secure transactions, and expert financial guidance. Be it individual or small businesses, our short-term loans help meet short-term financial needs with the perfect solution.
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.
Once your loan is approved, you can receive your cash in 30 minutes
Dec 13, 2025
Apr 13, 2026
May 15, 2026
Jun 15, 2026
May 14, 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.
Financial emergencies don't wait for business hours. Learn how 24-hour money lending actually works in Singapore, what to prepare, and how to apply online anytime with EZ Loan.
Your complete guide to licensed moneylenders in Singapore — how to verify a licence, what they can legally charge, borrowing limits by income, and what to look for before you borrow. By EZ Loan, licensed since 2009.
Your complete guide to licensed moneylenders in Singapore — how to verify a licence, what they can legally charge, borrowing limits by income, and what to look for before you borrow. By EZ Loan, licensed since 2009.
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.
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.
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