Cash Direct

Review (2026)

Updated Jan 2026
Cash Direct Logo

Review Summary

Based on publicly available information and borrower feedback, Cash Direct operates as a licensed moneylender in Singapore with a strong focus on in-person verification, formal processes, and regulatory compliance.

A large portion of Google reviews describe positive experiences during successful applications. Borrowers frequently mention courteous staff, structured explanations of loan terms, and a generally calm environment, especially for first-time applicants unfamiliar with licensed moneylenders. When eligibility requirements are met, the application process is often described as smooth and efficient.

However, reviews also indicate that Cash Direct applies firm approval standards. Applicants who do not meet internal criteria — such as credit limits, repayment capacity, or existing obligations — report being declined even after initial discussions. In such cases, some borrowers note that communication becomes more formal and compliance-focused.

Overall, available information suggests that Cash Direct follows standard licensed moneylending practices in Singapore. The lender may be suitable for borrowers who value structure, clarity, and procedural discipline, while those seeking flexibility or debt-restructuring support may prefer to compare other options.

Google Reviews & Borrower Sentiment

Overall Rating

5.0
★★★★★
Based on 5,230 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:

Polite and Professional Staff
Clear Explanation of Loan Terms
Reassuring Experience for First-Time Borrowers
Efficient Process When Approved
Strict Eligibility Assessment
Review themes are generated by Google based on recurring keywords in customer reviews.
Data last pulled: January 2026

Selected Google Review Excerpts

★★★★★
“Very satisfied with the service provided. The process was fast, smooth, and hassle-free. The staff were professional, friendly, and very prompt in assisting me with all my queries. Everything was explained clearly and transparently. Highly recommended for anyone looking for reliable and efficient service. Thank you!”
— Aeffaa Shafyka, Google Review
★★★★★
“Yuji have always assisted me to the best he can . He is always smiling and respectful and made it easy to ease my worries so that I am able to get the assistance I need.

Kudos to u.. keep looking good and also maintain ur professionalism.. All the best. Calm and attentive and understanding. Awesome to him and his team”
— Sharifah, Google Review
★★★★★
“This was our first time approaching a moneylender and definitely was nervous but somehow Benson managed to make us feel reassured and calm through the process. Process was smooth and less than an hour. Definitely recommend people to come here as their service is top notch and no judgement!”
— Rasyiqah Rosli, 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
See more moneylenders ⌄

Frequently Asked Questions

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

Is Cash Direct a licensed moneylender in Singapore?

Yes. Cash Direct is a licensed moneylender regulated under Singapore’s Ministry of Law and operates within statutory interest and fee limits.

Is Cash Direct legit and safe to borrow from?

Cash Direct operates under Singapore’s licensed moneylending framework. Loan terms, repayment obligations, and borrower protections are governed by local regulations.

Why does Cash Direct have so many 5-star Google reviews?

Cash Direct has one of the highest Google review volumes among licensed moneylenders. Many reviews highlight professional service and clear explanations during successful applications. As with any lender, individual experiences may vary depending on eligibility outcomes.

Why was my Cash Direct loan application rejected?

Based on borrower feedback, applications may be rejected due to factors such as income stability, existing loan commitments, credit exposure, CPF contribution history, or repayment capacity. Approval decisions are eligibility-based.

Does Cash Direct check CPF contributions?

Some borrower reviews suggest that CPF contribution history may be considered as part of the overall eligibility assessment, alongside income and existing liabilities.

Can I apply to Cash Direct if I already have other loans?

Having existing bank or licensed moneylender loans may affect approval outcomes. Cash Direct assesses overall repayment ability before approving new loans.

Do I need to visit Cash Direct’s office in person?

Yes. Borrower feedback indicates that Cash Direct generally requires an in-person visit to complete identity verification and loan documentation.

Can I apply online for a loan with Cash Direct?

Initial enquiries may be made online or via phone, but the loan application and verification process typically requires an in-person visit.

Is Cash Direct suitable for first-time borrowers?

Cash Direct is frequently chosen by first-time licensed moneylender borrowers who prefer structured explanations and a formal, guided application process, provided eligibility requirements are met.

Is Cash Direct strict compared to other licensed moneylenders?

Borrower feedback suggests that Cash Direct applies firm approval and repayment criteria. Borrowers seeking flexibility or debt-rescue arrangements may wish to compare multiple lenders.

Should I compare Cash Direct with other licensed moneylenders?

Yes. Comparing lenders can help you understand differences in approval criteria, interest rates, repayment structures, and borrower experience before proceeding.

Is Cash Direct a PickMeALoan Aligned Partner?

Cash Direct may appear as an option on PickMeALoan depending on borrower eligibility and matching outcomes. Partner availability can vary.

Is PickMeALoan affiliated with Cash Direct?

No. PickMeALoan is an independent loan comparison platform. We do not issue loans and are not owned by Cash Direct.

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