LendKaki review: quick answer
LendKaki is a Singapore loan comparison platform. It says borrowers can submit one application and receive personalised options from multiple banks and licensed lenders. It is not itself a bank or moneylender.[3][5]
The platform has a simple application-first presentation, but its public pages do not make it possible to verify every offer before applying. Its public personal-loan page presents rate information in p.a., but does not provide a named, lender-by-lender offer table that can be compared directly with PMAL’s monthly licensed-lender rates.[3]
PickMeALoan takes a more visible comparison approach. Its public pages show named lender products and published starting rates, including partner-lender offers from as low as 0.82% per month, subject to the borrower’s profile and the lender’s assessment.[12][14]
If you are considering LendKaki, compare the actual lender name, rate basis, fees, total repayment and final approval terms before proceeding. You can also compare other platforms and available lender options through PickMeALoan’s personal-loan comparison page.
Key takeaway: LendKaki is a comparison platform rather than a lender. PickMeALoan currently gives borrowers more visible named-lender and starting-rate information before they apply, but every final offer remains subject to lender assessment.
What the public pages establish
A compact check on the company, platform role and rate example—separating what is verified from what the public presentation leaves unclear.
UEN 202607335C is named on the public website.
The public record gives 13 February 2026; that does not prove the website launch date.
Its terms say it is not a bank, moneylender or financial institution.
The calculator example uses S$10,000 over 12 months: estimated S$860.66 monthly and S$10,327.97 total payable.
- The public personal-loan page presents the example in p.a. and does not clearly name the lender behind it.
- The pages reviewed state a 20+ lender network, but do not show a complete named partner list beside the personal-loan example.
The calculator figures are illustrative and may vary with the lender, borrower profile and final terms.
What is LendKaki?
LendKaki presents itself as a loan comparison platform for Singapore borrowers. Its public pages promote one application, multiple lenders, free borrower access, fast processing and personalised rates.[3][4]
The platform says it covers personal loans, business loans and instant loans. Its public explanation is built around three steps:
- Submit one application.
- Receive matched rates and repayment options.
- Choose an offer and complete the selected lender’s verification.
LendKaki’s terms state that it does not lend money, approve applications or determine the final loan terms. Those decisions are made by the individual third-party lenders.[5]
Who owns or operates LendKaki?
The company named on LendKaki’s website is Lendkaki Pay Pte. Ltd., with UEN 202607335C. LendKaki’s terms and footer identify that company as the platform operator and give its registered address as 2 Venture Drive, #19-21, Vision Exchange, Singapore 608526.[4][5]
Public company-directory records that identify ACRA registration data list Lendkaki Pay Pte. Ltd. as:
- Incorporated: 13 February 2026
- Status: Live company
- Entity type: Exempt private company limited by shares
- UEN: 202607335C
- Registered address: 2 Venture Drive, #19-21, Vision Exchange, Singapore 608526
- Primary activity: Other activities auxiliary to financial service activities n.e.c., SSIC 66199[16][17]
That is the public information we could verify about the operating company. The free public pages reviewed do not identify the individual shareholders or directors. A company’s operating entity and incorporation record are not the same thing as a public list of its ultimate owners. ACRA explains that a purchased Business Profile is the appropriate source for company particulars such as officers, shareholders and capital details.[18]
We found evidence of incorporation in February 2026 and LendKaki terms dated February 2026. For this review, we use February 2026 as the company’s establishment month, based on the public incorporation date of its operating company, Lendkaki Pay Pte. Ltd. This does not prove the exact date the website launched.
How does LendKaki work?
LendKaki’s public process is designed to reduce the need to visit different lender websites. Its company page says applicants provide basic information, the profile is reviewed by its panel of financial institutions, and the applicant can then choose an offer before completing lender verification.[4]
Its personal-loan page states that the platform connects applicants to more than 20 licensed lenders and banks. It also advertises free borrower access and says lenders pay the platform when a successful match is made.[3]
LendKaki says its initial matching process uses soft credit inquiries and that a formal hard inquiry may occur only when a borrower proceeds with a specific lender.[7] Borrowers should still read the final consent wording and the selected lender’s application terms before submitting a full application.
From one application to lender verification
- 1Submit one application.
- 2Receive matched rates and repayment options.
- 3Choose an offer and complete the selected lender’s verification.
What rates does LendKaki show?
The public LendKaki personal-loan page presents an illustrative rate in p.a. and includes a lender/approval example, but it does not clearly identify the lender behind the example or show a full named lender-by-lender table for the reader to inspect before applying.[3]
Because PMAL’s licensed-lender rates are presented per month and LendKaki’s public example is presented per annum, we do not use the two headline figures as a like-for-like price ranking. The useful comparison is what each platform makes available for borrowers to inspect before applying.
LendKaki also provides a calculator. Its public example uses a S$10,000 loan, a 12-month tenure and a 6.0% p.a. rate, producing an estimated monthly instalment of S$860.66 and total payable of S$10,327.97. The calculator says its results are indicative and may vary according to the lender, borrower profile and final terms.[15]
What the public example shows
The calculator says its results are indicative and may vary according to the lender, borrower profile and final terms.
Does LendKaki offer the best rates?
There is not enough public information to conclude that LendKaki offers the best rates in Singapore.
LendKaki promotes competitive rates and says it lets multiple lenders compete for a borrower’s business. But a public claim that a platform has competitive rates is not the same as a dated, lender-level comparison showing the lender name, rate type, fees, tenure and total repayment for the same scenario.[3][4]
PickMeALoan publicly advertises partner-lender rates from as low as 0.82% per month. PMAL currently shows Best Licensed Moneylender from 1.01% per month, subject to the borrower’s profile and the lender’s assessment.[12][13][14]
The correct comparison is not simply one platform’s headline rate against another’s. The figures may use different loan amounts, tenures, rate types and assumptions. Borrowers should compare:
- Monthly rate versus annual rate
- Flat rate versus reducing-balance rate
- Effective interest rate
- Processing and administrative fees
- Monthly repayment
- Total repayment
- Net amount received after fees
- Lender name and final approval conditions
For readers who want to see named lenders and published rate examples, compare PickMeALoan’s listed licensed moneylenders and rates.
What does PickMeALoan show publicly?
PickMeALoan’s licensed-moneylender page provides a named list of selected providers and published starting-rate information. PickMeALoan’s public page shows named examples including EZ Loan from 0.82% per month, Singa Credit from 2.00%, Best Licensed Moneylender from 1.01% per month, Credit Xtra from 3.00%, 1 2 Lend from 3.30% and SGP Credit Singapore from 3.92%.[14]
PickMeALoan’s wider comparison page also displays named bank and digital-bank products, explains its comparison methodology and states that rates were verified from lender-published pages on a dated basis.[1]
Its public homepage and offers page state that partner-lender rates can start from 0.82% per month. The representative example on the offers page explains that the 0.82% illustration uses a reducing-balance calculation and that processing fees may be charged separately by the lender.[12][13]
That gives a reader more information before applying: there are visible examples of who is being compared, how the rates are presented and what additional costs need to be checked.
Is LendKaki legit?
LendKaki identifies a Singapore operating company, publishes terms and privacy information, and states that it is a comparison platform rather than a lender.[5][6] Its website also says the lenders in its network are regulated by MAS or licensed by the Ministry of Law.[4][7]
Those are positive signs about the platform’s stated operating model. They do not, by themselves, prove that every offer is the cheapest, that every lender is suitable for every borrower or that a loan will be approved.
The practical test is the offer itself. Before accepting anything, confirm:
- The legal name of the lender.
- Whether the lender is on the relevant official registry.
- The interest-rate basis and effective cost.
- All fees and the net amount you will receive.
- The monthly instalment and total repayment.
- Whether the final lender’s terms match the initial estimate.
You can use PickMeALoan to compare other available lender options before deciding.
LendKaki review: strengths and limitations
Strengths
Strengths
- One application instead of contacting multiple lenders separately.[3][4]
- Personal-loan, business-loan and instant-loan categories.[7]
- Free borrower-facing comparison service, according to its public pages.[3][5]
- Public explanation of soft-check language during the initial matching process.[7]
- Calculator for indicative monthly repayment and total-payable estimates.[15]
- Company identity and UEN stated publicly on the website.[4][5]
Limitations of the public information
Limitations of the public information
- LendKaki’s public p.a. example does not clearly name the lender behind it.[3]
- The public pages reviewed do not provide a full lender-by-lender rate table comparable to PMAL’s named lender pages.[3][4]
- The public company pages identify the operating entity but do not identify individual shareholders or directors.[4][5][16][17]
- “20+ lenders” describes network size, but does not tell a borrower which lenders are likely to assess a particular profile before the application.[3][4]
These are observations about the public website presentation, not a finding that LendKaki is unlawful or fraudulent.
Who should compare LendKaki with PickMeALoan?
Consider comparing both platforms if you:
- Want to see whether a published starting rate is genuinely competitive.
- Need a licensed-moneylender option after a bank rejection.
- Are self-employed, freelance or working on variable income.
- Need to compare monthly repayment and total cost rather than a headline rate.
- Want to know which lender or provider is behind an offer.
- Want to review alternatives before submitting your information.
Start with PickMeALoan’s named lender and rate comparison, then review the actual offer and lender terms before proceeding.
Frequently asked questions
Final verdict
LendKaki is a new Singapore loan comparison platform operated by Lendkaki Pay Pte. Ltd. Its public site is built around speed, a simple application and a stated network of more than 20 lenders.
Its public rate presentation is less detailed than PickMeALoan’s named lender pages. LendKaki shows a generic example, while PickMeALoan publicly shows selected lender names, lender-level starting rates and partner offers from as low as 0.82% per month.[3][12][14]
For borrowers, the sensible next step is not to choose a platform based on a headline alone. Compare the actual lender, rate basis, fees and total repayment. You can compare available options through PickMeALoan before deciding whether to proceed.
Small-print editorial note: Rates, lender availability, company records and website content can change. The company information in this review is based on public records and website pages reviewed for this draft. Final loan approval and terms are always determined by the lender.
Sources
[1] https://pickmealoan.com/compare-personal-loans
[3] https://www.lendkaki.com/loan-types/personal
[4] https://www.lendkaki.com/company
[5] https://www.lendkaki.com/terms
[6] https://www.lendkaki.com/privacy
[7] https://www.lendkaki.com/faq
[13] https://pickmealoan.com/get-offers
[14] https://pickmealoan.com/licensed-moneylenders-singapore
[15] https://www.lendkaki.com/calculator
[16] https://www.sgpbusiness.com/company/Lendkaki-Pay-Pte-Ltd
[17] https://www.companies.sg/business/202607335C/LENDKAKI-PAY-PTE-LTD-
[18] https://www.acra.gov.sg/resources/buying-business-information/basic-risk-assessment
