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Small Cash LoansEZ Loan is a leading licensed money lender in Singapore, specialising in providing quick and accessible personal loans to meet borrowers' urgent financial needs. Personal loans from EZ Loan offer a flexible solution for those looking for immediate cash flow without the hassle of lengthy approval processes. Whether to cover unexpected expenses, medical emergencies, or personal projects, a personal loan is a lifeline to regain financial stability. With a simplified application process and minimal documentation, EZ Loan ensures customers receive fast, reliable support. One of EZ Loan’s best features is its fast approval time. Borrowers can receive loan approval within just 20 minutes, making it an ideal option for individuals facing time-sensitive financial challenges. Unlike traditional banking institutions, which may require weeks for loan disbursement, EZ Loan streamlines the process, allowing clients to apply online or in person and access funds quickly. This efficiency makes EZ Loan a top choice for those needing immediate cash for personal or family-related expenses. As a trusted and licensed money lender, EZ Loan provides personalised instalment loan options that cater to various financial situations. Personal instalment loans offer the advantage of fixed repayment terms, allowing borrowers to manage their finances more effectively with predictable monthly payments. EZ Loan is committed to helping individuals achieve their financial goals, providing a transparent and trustworthy lending experience with competitive interest rates and flexible repayment plans. Whether short-term or long-term, EZ Loan’s loans are designed to offer financial relief and flexibility to those who need it.
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 30 August 2026
A personal loan is an unsecured loan that allows individuals to borrow money based on their financial profile, typically their salary or income. Since it is unsecured, the borrower doesn’t need to provide collateral, such as a car or property, to secure the loan. Personal loans often cover various financial needs, from emergency medical expenses to consolidating debt, funding home renovations, or making large purchases like a new car. The amount borrowed is typically repaid in fixed monthly instalments over a set period, making it a predictable and manageable form of financing. One of the key benefits of personal loans is their flexibility. Unlike loans tied to specific purposes (such as auto loans or mortgages), personal loans can be used for almost anything, giving borrowers the freedom to address a variety of financial obligations. Additionally, with licensed moneylenders like EZ Loan, the application and approval process is streamlined, allowing fast access to funds—sometimes within as little as 20 minutes. This makes personal loans an attractive option for those seeking quick and convenient financial solutions tailored to their individual needs.
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
30 Aug 2026
Application Submitted in last 30 days
6361
Processing Time average
14 minutes
Businesses in Singapore can obtain financing from banks, financial institutions, and licensed moneylenders. Licensed moneylenders like EZ Loan provide a reliable alternative for companies needing fast access to funds. At EZ Loan, loan approval takes just 20 minutes! Our business term loans are versatile and can be used for expenses like equipment purchases, payroll, or expansion. With fixed monthly instalments, repayment is simple, and we offer options such as bank transfer or PayNow for convenience. With over 10 years of lending experience, EZ Loan takes pride in delivering a seamless application process. Our knowledgeable team is here to guide you through every step, ensuring your business achieves its financial goals.
EZ Loan is a licensed moneylender in Singapore (Licence 19/2026). Personal loans for various needs with fast decisions. 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.
Related resources:
Read the personal loan guideRelated resources:
Read the personal loan guideThe 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.
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.
Jun 23, 2026
Apr 13, 2026
Jul 08, 2026
Jun 15, 2026
Aug 07, 2026
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
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How to find and verify a licensed moneylender in Singapore, plus what to expect at EZ Loan's Beach Road and Marina Square branches.
Beach Road
