1 2 Lend Review (2026)
Review Summary
Based on our review of 1 2 Lend’s official website and publicly available customer feedback, 1 2 Lend appears to operate as a licensed moneylender in Singapore, with a strong emphasis on straightforward loan processes and competitive fee structures.
Public reviews frequently highlight the professional and approachable service provided by loan officers, as well as the clarity of explanations around loan terms, repayment schedules, and administrative fees. Several borrowers mention smooth application experiences and suitability for short-term or emergency cash needs.
Overall, available information suggests that 1 2 Lend follows standard licensed moneylending practices within Singapore’s regulatory framework, with customer experiences commonly reflecting efficiency, transparency, and compliance with local regulations.
Google Reviews & Borrower Sentiment
Overall Rating
Common Review Themes
Based on Google’s automated review insights, borrowers most frequently mention:
Selected Google Review Excerpts
List of Reputable Licensed Moneylenders Available on PickMeALoan
Compare key loan details from licensed moneylenders in Singapore, including monthly interest rates, borrower ratings, and availability on PickMeALoan. This table highlights the most relevant factors to consider when evaluating licensed moneylenders, such as transparency, repayment terms, and borrower feedback.
If you want a deeper guide on how to compare personal loans in Singapore, you can read our full comparison guide here.
| Moneylender | Monthly Interest Rate | Google Rating |
PickMeALoan Aligned Partner
Aligned Partners share PickMeALoan’s borrower-first values,
including competitive pricing, AI-driven matching, and strong
respect for borrower privacy. Loan outcomes remain subject to individual assessment. |
|---|---|---|---|
| EZ Loan | From 1.88% | ⭐ 5.0 | ✓ |
| Best Licensed Moneylender | From 2.18% | ⭐ 5.0 | ✓ |
| Credit Xtra | From 3.00% | ⭐ 5.0 | ✓ |
| 1 2 Lend | From 3.30% | ⭐ 4.9 | ✓ |
| SGP Credit Singapore | From 3.92% | ⭐ 5.0 | ✓ |
| Crawfort | Up to 4% | ⭐ 4.9 | |
| Quick Credit | Up to 4% | ⭐ 5.0 | |
| Cash Direct | Up to 4% | ⭐ 5.0 | |
| Jefflee Credit | Up to 4% | ⭐ 4.8 | |
| BST Credit | Up to 4% | ⭐ 4.9 | |
| Lending Bee | Up to 4% | ⭐ 5.0 | |
| OT Credit | Up to 4% | ⭐ 4.9 | |
| Soon Seng Credit | Up to 4% | ⭐ 5.0 |
Frequently Asked Questions
Clear answers to help you secure the best personal loan deals in Singapore.
Is 1 2 Lend a licensed moneylender in Singapore?
Yes. 1 2 Lend Pte Ltd is a licensed moneylender regulated by the Ministry of Law (Singapore) and operates legally under Singapore’s Moneylenders Act.
Is 1 2 Lend safe?
Based on publicly available information and borrower reviews, 1 2 Lend is generally regarded as safe and legitimate, with many customers citing transparent terms, clear explanations, and professional service.
Where is 1 2 Lend located?
1 2 Lend is located at 1 Park Road, #01-13, People’s Park Complex, Singapore 059108, a central and convenient location for walk-in applications.
What types of loans does 1 2 Lend offer?
1 2 Lend offers a range of loan products, including:
- Personal loans
- Fast cash and short-term loans
- Salary and payday loans
- Business loans
- Foreigner loans
- Renovation, wedding, and lifestyle loans
Loan availability depends on individual eligibility and assessment.
What is the interest rate charged by 1 2 Lend?
Interest rates are within the legal limits set by the Ministry of Law. The actual rate depends on the loan amount, tenure, and borrower profile, and is explained clearly before loan acceptance.
How much is the administrative fee?
Borrower reviews commonly mention a one-time administrative fee of around 3.5%, which is considered competitive compared to other licensed moneylenders in Singapore.
How much can I borrow from 1 2 Lend?
The maximum loan amount follows Ministry of Law regulations, typically:
- Up to 6× monthly income for higher-income earners
- Lower limits apply for lower income tiers
Final loan amounts depend on income, existing debt obligations, and credit assessment.
How fast is the loan approval process?
Many borrowers report a fast and hassle-free approval process, with some applications approved on the same day after document verification.
How does 1 2 Lend compare to other licensed moneylenders?
1 2 Lend may differ from other licensed moneylenders in terms of approval speed, customer service approach, and repayment structures. Borrowers are encouraged to compare multiple options before deciding.
Is 1 2 Lend suitable for short-term loans?
Yes. Reviews frequently mention that 1 2 Lend is suitable for short-term borrowing and emergency cash needs, especially for borrowers seeking flexible repayment options.
Is PickMeALoan affiliated with 1 2 Loan?
PickMeALoan is an independent loan comparison platform.
Information provided is based on publicly available sources and customer feedback, and PickMeALoan does not represent or act on behalf of 1 2 Lend Singapore.
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