BST Credit

Review (2026)

Updated Jan 2026
BST Credit Logo

Review Summary

Based on publicly available information and Google reviews, BST Credit operates as a licensed moneylender in Singapore and is known for its in-person loan application process and hands-on customer service approach.

Many borrowers highlight the friendliness and patience of BST Credit’s staff, noting that loan officers take time to explain contracts, repayment terms, and loan conditions clearly, especially for first-time borrowers. Reviews frequently describe the application process as smooth, transparent, and pressure-free.

At the same time, some feedback points to stricter repayment expectations once a loan is active. A smaller number of reviews mention dissatisfaction related to late payment handling, penalty charges, or repayment schedules, particularly when instalments are missed or delayed.

Overall, available reviews suggest BST Credit follows standard licensed moneylending practices in Singapore. The lender may be suitable for borrowers who value face-to-face explanations and structured processes, provided they are confident in meeting the agreed repayment obligations.

Google Reviews & Borrower Sentiment

Overall Rating

4.9
★★★★★
Based on 2,176 Google reviews
This rating reflects feedback submitted directly by borrowers on Google Maps.
Data last pulled: January 2026

Common Review Themes

Based on Google’s automated review insights, borrowers most frequently mention:

Friendly and patient staff
Clear explanations of loan terms
Helpful loan officers
Smooth and efficient application process
Supportive guidance for first-time borrowers
Strict repayment expectations
Review themes are generated by Google based on recurring keywords in customer reviews.
Data last pulled: January 2026

Selected Google Review Excerpts

★★★★★
“I had a very smooth and pleasant experience with BST Credit.

The staff were friendly, patient, and explained everything clearly without any pressure. The process was fast, transparent, and hassle-free. I really appreciate the helpful service and professionalism. Highly recommended for anyone looking for reliable assistance. 👍🏼✨🏻”
— Syu Hazar, Google Review
★★★★★
“Process is very smooth , and didn’t take quite long. The person serving me tiger was indeed very friendly! Should come here if need financial assistance”
— Ain Yazid, Google Review
★★★★★
“It's my first time coming to BST Credit and i was great warmly by the one that is serving me . He even explained to me A to Z so that i understand as a first timer .”
— Nora Linda, Google Review

List of Reputable Licensed Moneylenders Available on PickMeALoan

Updated Jan 2026

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 i 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
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Frequently Asked Questions

Clear answers to help you secure the best personal loan deals in Singapore.

Is BST Credit a licensed moneylender in Singapore?

BST Credit is listed as a licensed moneylender operating in Singapore. Licensed moneylenders are regulated under the Ministry of Law and must comply with local moneylending regulations.

Is BST Credit legit and safe to borrow from?

Public reviews and available information suggest that BST Credit operates within Singapore’s licensed moneylending framework. Borrowers are advised to review loan terms carefully and ensure repayment obligations are manageable before proceeding.

Do I need to visit BST Credit’s office in person?

Based on borrower feedback, BST Credit typically requires applicants to visit their office in person to complete identity verification, review loan contracts, and finalise the application process.

Can I apply online for a loan with BST Credit?

Initial enquiries may be made online or by phone, but reviews indicate that the final application and verification process is usually completed in person.

Why do some borrowers complain about repayments?

Some reviews mention dissatisfaction related to late payment penalties or repayment expectations. These concerns typically arise after loan disbursement when instalments are missed or delayed

Does BST Credit offer clear explanations before signing?

Many borrowers report that loan officers explain repayment schedules, contract terms, and obligations in detail before any agreement is signed.

Is BST Credit suitable for first-time borrowers?

BST Credit may be suitable for first-time borrowers who prefer face-to-face guidance and detailed explanations, provided they are comfortable with the repayment structure offered.

Does BST Credit offer weekly or monthly repayment plans?

Repayment structures vary depending on the loan type and borrower profile. Reviews suggest that repayment terms are explained clearly during the application process.

Should I compare BST Credit with other licensed moneylenders?

Comparing multiple licensed moneylenders can help borrowers understand differences in interest rates, repayment flexibility, and approval criteria before making a decision.

Is BST Credit a PickMeALoan Aligned Partner?

BST Credit may appear on PickMeALoan for informational comparison purposes. Only lenders marked as PickMeALoan Aligned Partners actively participate in PickMeALoan’s borrower-first and AI-matching programme. Partner status does not guarantee loan approval or specific interest rates.

Is PickMeALoan affiliated with BST Credit?

PickMeALoan is a loan comparison platform and not a lender. We do not issue loans or make approval decisions. Our role is to help borrowers compare available options based on publicly available information and eligibility inputs.

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