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Apply For a Small Cash Loan Today

EZ Loan’s small cash loans provide a swift solution for individuals who need a quick financial boost for small, unexpected expenses. With an impressively fast 20-minute approval process, EZ Loan ensures that you can access funds to handle minor financial needs, from covering a bill to managing temporary cash shortages, without delay. Small cash loans are an affordable alternative to high-interest options, allowing clients to borrow only what they need. As a licensed moneylender, EZ Loan provides safe, transparent loan services with flexible terms designed to ease financial stress for those facing short-term cash flow issues. Our dedicated team is committed to making the loan process simple and fast. With manageable repayment terms, EZ Loan’s small cash loans help clients cover immediate expenses without financial strain.

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
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Updated 9 September 2025

What Are Small Cash Loans?

A small cash loan is a short-term loan designed to cover minor expenses. It offers borrowers a quick and simple way to access funds without dipping into savings or using high-interest credit cards. With predictable monthly instalments, small cash loans provide a structured, manageable financing option for those with short-term needs. Small cash loans are ideal for urgent expenses or financial gaps, such as unexpected medical bills, car repairs, or temporary income loss. They give borrowers flexibility without the commitment of a larger loan. With EZ Loan’s transparent process, clients can secure funds quickly and repay comfortably.

Apply Now - 20 Minutes Approval
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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

09 Sept 2025

Application Submitted in last 30 days

6376

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Processing Time average

15 minutes

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Why Take a Small Cash Loan With Us

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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.

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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.

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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.

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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 Small Cash Loans

Convenient Small Cash Loans in Singapore

In Singapore, small cash loans provided by licensed moneylenders offer a safe, convenient alternative to traditional bank financing. These loans are ideal for individuals needing immediate funds to handle urgent, short-term expenses, such as unexpected bills, minor repairs, or daily cash flow needs. With EZ Loan’s streamlined 20-minute approval process, clients can secure the cash they need without the delays often associated with traditional loan applications. EZ Loan’s small cash loans also feature various flexible repayment options, allowing you to select the best method for your preferences. Whether you make payments via PayNow, bank transfer, or in-person cash, you have complete control over how and when payments are handled. Our customer-centric approach ensures that securing a small loan is straightforward and stress-free, backed by clear terms and competitive interest rates.

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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

Aug 19, 2025

Very efficient and friendly. Down side is just the location. Other than that smooth transaction. The staff is very welcoming and pleasant

siti sulaiha
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 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
Star
StarStarStarStarStar

Aug 23, 2025

The experience was helpful and knowledgeable. I am grateful for the help, the assistance given to me was immediate and positive. I felt comfortable and confident with honest a reliable service.

Ms Ella Girl

Frequently Asked Questions

Small cash loans typically cover amounts up to a few thousand dollars. EZ Loan works with each client to determine an appropriate loan amount based on their financial profile, including their income, expenses, credit history, and needs. This ensures the loan amount is manageable and suits the client's financial situation.

Get Expert Insights On Money Management

Visit our blog and get practical tips on smart borrowing

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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.

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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.

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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.

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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.

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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.

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