LendKaki is a Singapore loan comparison platform operated by Lendkaki Pay Pte. Ltd. It says it connects borrowers to multiple lenders, but it is not itself a lender.

LendKaki identifies an operating Singapore company, publishes terms and states that it works with regulated or licensed lenders. Verify the specific lender and final terms for any offer.

Is LendKaki the best loan comparison platform?

There is no public evidence that proves LendKaki is the best for every borrower. It offers a simple application flow, while PickMeALoan publishes named lender examples and rate comparisons.

Does PickMeALoan show its lenders?

Yes. PickMeALoan's licensed-moneylender page publicly lists selected lender names, starting rates and whether a provider is marked as a PickMeALoan aligned partner.

Does PickMeALoan really have rates from 0.82% per month?

PickMeALoan publicly advertises partner-lender rates from as low as 0.82% per month. This is a published starting rate, not a guaranteed rate for every borrower.

LendKaki vs PickMeALoan: Which Is Better? (2026)

Q: Is PickMeALoan a lender?

No. PickMeALoan is a comparison and matching platform. Loans are issued by the relevant bank or licensed lender, which makes the final approval and pricing decision.

LendKaki vs PickMeALoan: quick answer

LendKaki and PickMeALoan are both loan comparison platforms, not lenders. LendKaki focuses on a simple one-application flow across a stated network of 20+ lenders. PickMeALoan puts more public information in front of the borrower, including named lender examples, rate information and repayment comparisons.[3][4][14]

The most important difference is what a borrower can see before applying. LendKaki’s public personal-loan page presents rate information in p.a. but does not show a comparable named lender rate table. 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.[3][12][14]

If you want a fast application-first experience, LendKaki may be worth considering. If you want to inspect named lender options and published starting rates before applying, start with PickMeALoan’s loan comparison pages.

Key takeaway: LendKaki focuses on a simple application-first flow, while PickMeALoan currently gives borrowers more visible named-lender and starting-rate information before applying. Neither platform makes the final lending decision.

Decision lens

What a borrower can inspect before applying

The useful distinction is public offer visibility—not a claim that either platform can decide a lender’s final offer.

PMAL public detail

Rate basisLender visibilityFinal decision-maker

LendKaki and PickMeALoan comparison by public offer and application dimensions
Dimension	LendKaki	PickMeALoan
Public rate visibility	A public p.a. example is shown; the pages reviewed do not show a comparable named lender-by-lender rate table.	Public pages show named lender examples and published starting rates, including partner-lender offers from as low as 0.82% per month, subject to assessment.
Rate basis	The personal-loan example is presented in p.a. It should not be treated as a like-for-like ranking against a monthly figure.	Public material includes monthly starting-rate examples; the complete offer still needs a check of rate type, fees and repayment method.
Lender visibility	The site states a 20+ lender network, but the personal-loan page does not show a complete named partner list beside the example.	Public comparison pages show selected lender names and a licensed-lender directory.
Application flow	One application, matched rates from multiple lenders, then choose an offer and complete the selected lender’s verification.	Single application with Singpass verification, matched offers, total-repayment comparison and a lender appointment before final approval and payout.
Borrower-facing cost information	An indicative calculator example shows S$10,000 over 12 months at 6.0% p.a., with estimated monthly and total payable figures.	Public comparison material includes rate, fee and repayment information; processing fees may be charged separately by the lender.
Final decision-maker	The individual lender decides approval, the rate and the final loan terms.	The relevant bank or licensed lender decides final approval, pricing and terms.

At-a-glance comparison

Nine comparison points

What each platform makes visible

At-a-glance comparison of LendKaki and PickMeALoan
Category	LendKaki	PickMeALoan
Platform type	Loan comparison platform	Loan comparison platform
Operator	Lendkaki Pay Pte. Ltd., UEN 202607335C	DoubleAM AI Automation Marketing Pte. Ltd., UEN 202521700C
Lender network claim	20+ lenders, banks and licensed institutions	Named lender examples and a published licensed-lender directory
Public rate presentation	p.a. rate information shown, but no comparable named lender rate table	Partner-lender rates from as low as 0.82% per month; Best Licensed Moneylender from 1.01% per month on PMAL’s public comparison page
Public lender-level presentation	Generic example; lender not clearly named on the public personal-loan page	Named lender products and starting rates shown on public comparison pages
Application flow	One application, matched offers and lender follow-up	Singpass-based matching, offer comparison and WhatsApp-led next steps
Calculator	Yes, indicative calculator	Public repayment examples and comparison methodology
Borrower-facing platform fee	States free for borrowers	States free for borrowers
Final approval	Decided by individual lender	Decided by individual lender

LendKaki’s operator and platform description come from its terms and company pages. PickMeALoan’s operator is stated in its public privacy and comparison materials.[4][5][6][1]

Who is LendKaki?

LendKaki is a Singapore loan comparison platform operated by Lendkaki Pay Pte. Ltd. Its terms say the platform is not a bank, moneylender or financial institution. It connects applicants with third-party banks, finance companies and licensed moneylenders, while the individual lender decides the final approval, rate and loan terms.[5]

Public company-directory records list Lendkaki Pay Pte. Ltd. as a live Singapore exempt private company incorporated on 13 February 2026, with UEN 202607335C and a registered address at Vision Exchange. For this review, we use February 2026 as LendKaki’s launch and establishment month.[16][17]

The public records reviewed confirm the operating company and incorporation date. They do not provide a free, verified public list of individual shareholders or directors. ACRA explains that a purchased Business Profile is the source for company particulars such as officers, shareholders and capital details.[18]

LendKaki’s site says it matches borrowers with more than 20 lenders. Its public pages reviewed do not show a complete named lender list alongside the personal-loan offer example.[3][4]

What does PickMeALoan offer?

PickMeALoan is also a comparison and matching platform rather than a lender. Its public comparison pages show bank, digital-bank and licensed-moneylender options, with lender names, rate information, fees, speed and eligibility details.[1][14]

PickMeALoan’s public comparison page shows named examples including:

Named examples on PMAL’s public page

Published starting rates shown

EZ Loan

From 0.82% per month

Singa Credit

From 2.00% per month

Best Licensed Moneylender

From 1.01% per month

Credit Xtra

From 3.00% per month

1 2 Lend

From 3.30% per month

SGP Credit Singapore

From 3.92% per month

The page also labels which providers are shown as PickMeALoan aligned partners. Rates are presented as indicative and the lender makes the final assessment.[14]

Separately, PickMeALoan’s homepage and application page advertise partner-lender rates from as low as 0.82% per month. The application page provides a representative repayment illustration and states that processing fees may be charged separately by the lender.[12][13]

LendKaki vs PickMeALoan: rates

LendKaki’s public rate presentation

LendKaki’s public personal-loan page presents rate information in p.a. and includes an illustrative lender/approval example, but it does not clearly identify a named lender rate behind the example or show a full lender-by-lender offer table before application.[3]

We therefore do not use LendKaki’s p.a. display as a like-for-like price ranking against PMAL’s monthly licensed-lender rates. The comparison here is about public offer visibility and the information a borrower can inspect before applying.

PickMeALoan’s public rate presentation

PickMeALoan shows named lender examples and states that its partner-lender rates can start from 0.82% per month. PMAL currently shows Best Licensed Moneylender from 1.01% per month. Its wider comparison page also explains that bank and licensed-lender rates are not directly comparable without looking at the rate basis, fees and repayment method.[1][12][13][14]

This does not mean every borrower will receive 0.82% per month. It means that the rate is a published starting point that a borrower can inspect before applying. The actual offer depends on the lender’s assessment.

Which platform offers the better rate?

There is no honest way to say that every LendKaki borrower will receive a better or worse rate than every PickMeALoan borrower. The final offer depends on the borrower, lender, loan amount, tenure, fees and assessment criteria.

However, PickMeALoan provides the stronger public basis for comparison because it shows named lender examples, a published starting point of 0.82% per month and a Best Licensed Moneylender comparison rate of 1.01% per month. LendKaki’s public p.a. presentation does not contain enough named lender and scenario detail to establish that it offers the best rate available.[3][12][14]

To compare properly, look at the complete offer rather than the headline:

Is the rate monthly or annual?
Is it flat-rate or reducing-balance?
What is the effective interest rate?
Is there a processing fee?
How much cash is actually disbursed?
What is the monthly repayment?
What is the total repayment?
Which legal lender makes the final decision?

LendKaki vs PickMeALoan: application experience

LendKaki presents an application-first flow. It says applicants submit one form, receive matched rates from multiple lenders and compare interest rate, tenure and monthly instalment before choosing an offer.[3][4]

PickMeALoan also uses a single application. Its public application page describes Singpass verification, matched offers, comparison of total repayment and a lender appointment before final approval and payout.[13]

The practical difference is the information available around the application:

LendKaki’s site emphasises speed and network size.
PickMeALoan’s site places more emphasis on lender-level examples, total repayment and public rate comparison.

Application and decision lens

The practical difference is what happens around the application

LendKaki

One application
Matched offers
Compare interest rate, tenure and monthly instalment before choosing an offer

PickMeALoan

Single application
Singpass verification
Matched offers
Comparison of total repayment
A lender appointment before final approval and payout

LendKaki vs PickMeALoan: who is each platform for?

LendKaki may suit borrowers who:

Want a simple first application.
Prefer a quick application flow over researching lender pages.
Want to receive matched options from a stated network of lenders.
Need personal, business or instant-loan categories from one platform.[3][7]

PickMeALoan may suit borrowers who:

Want to see named lender examples before applying.
Want to compare licensed-moneylender starting rates.
Want to understand fees, EIR and total repayment.
Want to compare a published rate from as low as 0.82% per month with other options.[12][14]
Want to review another platform before deciding whether to submit details.

Is LendKaki legit compared with PickMeALoan?

LendKaki identifies its operating company, publishes terms and states that it is a platform rather than a lender.[4][5] PickMeALoan similarly identifies its operating company and states that loans are issued by the relevant bank or licensed lender, not by PickMeALoan.[1][6]

For either platform, “legit” should not be treated as a synonym for “cheapest” or “best”. Before accepting an offer, verify the actual lender, licence or regulatory status, interest basis, fees and final repayment terms.

The comparison is therefore not “legitimate versus illegitimate”. It is mainly a question of how each platform presents its offer and how much information a borrower can review before proceeding.

LendKaki vs PickMeALoan: the verdict

Choose LendKaki if your priority is a simple, fast application and you are comfortable reviewing the matched offer after submitting your information.

Choose PickMeALoan if you want more visible lender-level information before applying. PMAL shows named lender examples, published starting rates and a comparison page that includes partner-lender rates from as low as 0.82% per month.[12][14]

The best next step is to compare the complete offer—not only the advertised rate. Review PickMeALoan’s named lenders and rates, then compare the actual monthly repayment, fees and total repayment before making a decision.

Frequently asked questions

Not necessarily. LendKaki’s public page does not provide enough named lender, fee and scenario detail to prove that it offers the best available rate.[3] PickMeALoan publishes partner-lender rates from as low as 0.82% per month and PMAL currently shows Best Licensed Moneylender from 1.01% per month, subject to the borrower’s profile and the lender’s assessment.[12][14] Compare the full cost and final terms, not only the headline rate.