Cash Direct publishes a 2–4% per month range rather than a rate for your profile. Where you land in that range, and how much cash you receive after any fee, only appears in a written offer.
That is the reason to compare before you commit. Compare personal loan options through PickMeALoan to request offers from its participating licensed lenders in one application, then set Cash Direct’s written quote beside them for the same amount and repayment period. PickMeALoan is a commercial comparison and application platform, not the lender, and offers remain subject to each lender’s assessment.
What interest rate and fees does Cash Direct charge?
Cash Direct publishes its interest rate range as 2–4% per month, within the Ministry of Law cap of 4% per month. The 2% floor is above some lenders’ advertised starting figures, and your rate depends on your profile, income and amount.
What Cash Direct publishes about cost
Published rate range
Range2–4%/ month
- Range
- 2–4% per month, as published by Cash Direct in earlier research
- Where you land
- Depends on your income, profile and amount; ask what would qualify for the 2% end
Fees
Not published
- Published schedule
- No fee schedule was recorded
- Legal maximum
- Upfront fee up to 10% of principal; late fee up to S$60 for each month of late repayment
- Application data
Singpass MyInfo: Cash Direct uses MyInfo to bring verified income and employment details into the application
What it does not do: It does not fix your rate; the written offer does
- Total cost
Legal limit: Interest, late interest and fees together cannot exceed the loan principal
Ask for: Rate, EIR, fee deduction, instalments and total repayment
Cash Direct's 2–4% range is a published range, not a personal quote. Confirm your rate and fees in the written offer.
Cash Direct uses Singpass MyInfo to verify income and employment during the application. That speeds up the assessment, but the rate and fees still come from the written offer. The Ministry of Law borrower guide caps total interest, late interest and fees at the loan principal.
How does Cash Direct compare with PickMeALoan’s participating lenders?
Cash Direct is not currently offered through PickMeALoan, so its quote has to come from Cash Direct directly. PickMeALoan’s participating lenders include Best Licensed Moneylender, Credit Xtra, EZ Loan, SGP Credit and Singa Credit. Offers remain subject to each lender’s assessment.
Cash Direct
ReviewedNot on PickMeALoan
Range2–4%/ month
Published range, from earlier research
Best Licensed Moneylender
On PickMeALoan
From1.01%/ month
Credit Xtra
On PickMeALoan
From3.00%/ month
Lender site says up to 4%
EZ Loan
On PickMeALoan
From0.82%/ month
Eligible applicants only
SGP Credit
On PickMeALoan
From3.92%/ month
Singa Credit
On PickMeALoan
From2.00%/ month
Lender site says as low as 1%
Advertised starting rates or published ranges, not quotes: each lender sets your rate, fees and approval after assessment. Participating lenders' figures were checked on 10 September 2026. Cash Direct is listed first, then the others alphabetically.
Sources: Cash Direct website · PickMeALoan licensed-lender directory · Credit Xtra homepage · EZ Loan public page · Singa Credit homepage
One application. PickMeALoan is a commercial comparison platform, not a lender.
The participating-lender rows use the public figures displayed in PickMeALoan’s licensed-lender directory when checked on 10 September 2026: Best Licensed Moneylender from 1.01% per month, Credit Xtra from 3.00% per month, SGP Credit from 3.92% per month and Singa Credit from 2.00% per month. EZ Loan’s figure of from 0.82% per month for eligible applicants comes from EZ Loan’s public page. These are advertised starting figures, not personal quotes or guaranteed approval. The Cash Direct row uses its own published range.
Get Cash Direct’s written offer, then compare personal loan options through PickMeALoan using the same amount and repayment period. Compare cash received, fees, total repayment and due dates. Read our reviews of Best Licensed Moneylender, Credit Xtra, EZ Loan, SGP Credit and Singa Credit.
What are Cash Direct’s strengths and limitations?
Strengths
- Publishes a 2–4% per month rate range
- Sunday hours (11 AM - 4:30 PM) as well as Monday to Saturday
- Singpass MyInfo online application
- 11 loan types, including Grab/Gojek, bridging and study loans
- Says it is a member of the Singapore Finance Association (SFA)
Limitations
- The 2% floor is above some lenders' advertised starting rates
- Where you fall in the range depends on assessment
- Jurong East may mean a longer trip for CBD and east-side borrowers
- Closed on public holidays
Cash Direct had a 5.0-star Google rating from over 5,000 reviews when recorded in May 2026; we cannot verify that every review is organic. Reviews mention fast processing and clear explanations. The company self-reports about S$92 million disbursed to around 7,500 borrowers and says 92% of clients repay on time. Those are company figures and do not show your cost.
What can you borrow from Cash Direct, and who is eligible?
Cash Direct lists 11 loan types:
- Personal Loans
- General-purpose unsecured loans
- Payday Loans
- Short-term salary advance loans
- Business Loans
- Working capital for SMEs and business owners
- Debt Consolidation Loans
- Combine multiple debts into one repayment
- Wedding Loans
- Finance your wedding expenses
- Renovation Loans
- Home improvement financing
- Medical Loans
- Cover healthcare costs
- Instant Loans
- Rapid-approval loans for urgent needs
- Grab/Gojek Loans
- Specialised products for ride-hailing and delivery drivers
- Bridging Loans
- Short-term financing while awaiting other funds
- Study Loans
- Education-related expenses
Cash Direct says it serves Singapore citizens, PRs and foreigners with valid work passes. That is not an approval rule, so ask which documents apply to your loan.
For unsecured loans, the Ministry of Law borrower guide sets the total maximum amount you may borrow at any time across all licensed moneylenders in Singapore:
Unsecured borrowing caps across all licensed moneylenders
Singapore citizens and PRs
Annual income and total cap
- Less than S$10,000
- S$3,000
- At least S$10,000 and less than S$20,000
- S$3,000
- At least S$20,000
- Six times monthly income
Foreigners residing in Singapore
Annual income and total cap
- Less than S$10,000
- S$500
- At least S$10,000 and less than S$20,000
- S$3,000
- At least S$20,000
- Six times monthly income
These legal ceilings apply across all licensed moneylenders. They are not a guaranteed Cash Direct amount or approval. See the Ministry of Law borrower guide.
How does the Cash Direct application process work?
You can start on cashdirect.sg with Singpass MyInfo, which pulls your verified details into the form. The Ministry of Law Registry requires licensed moneylenders to verify your identity face to face at an approved place of business before granting a loan, so funds follow the visit to Vision Exchange.
From MyInfo application to Vision Exchange
Apply with MyInfo
Apply online with Singpass MyInfo on Cash Direct's website, which pre-fills verified details.
Wait for the assessment
Cash Direct says approval typically comes within 30 minutes; that is not a promise of approval.
Verify at Vision Exchange
Visit Vision Exchange, #01-21 for face-to-face verification, review the terms and sign; funds follow verification.
Cash Direct lists Sunday hours of 11 am to 4:30 pm as well as Monday to Saturday hours, and closes on public holidays.
Who may find Cash Direct useful?
Borrowers who need a Sunday appointment
Cash Direct opens 11 AM to 4:30 PM on Sundays, which helps if weekdays and Saturdays do not work.
Grab and Gojek drivers
It lists dedicated loans for ride-hailing and delivery drivers.
Borrowers who want a published range
The 2–4% range gives a starting point for questions before you visit.
Borrowers who prefer an office setting
Vision Exchange is a commercial building rather than an HDB shopfront.
Where is Cash Direct and what should you confirm?
Cash Direct
Jurong East- Nearest MRT
- Jurong East MRT Station (Exit B) - approximately 5 minutes walk
- Phone
- +65 6493 0088
- Hours
- Mon-Sat: 11:00 AM - 7:30 PM, Sun: 11:00 AM - 4:30 PM, Closed on Public Holidays
- Website
- cashdirect.sg
- Licence
- 89/2025
- Recorded rating
- 5.0 / 5 from 5,000 reviews
Cash Direct is at Vision Exchange, 2 Venture Drive, #01-21, Jurong East Central, Singapore 608526, on the ground floor. From Jurong East MRT (NS1/EW24), take Exit B and walk about 5 minutes towards Venture Drive. Call +65 6493 0088 to confirm hours, especially on Sundays. See the Jurong East lender directory for the area.
What should you check before accepting a Cash Direct offer?
Five checks for a Cash Direct offer
- Verify Cash Direct's current licence (89/2025 when last recorded) and Vision Exchange, 2 Venture Drive, #01-21 on the Ministry of Law list.
- Ask where your rate sits in the published 2–4% range and get it in writing with the EIR.
- Confirm the administrative fee, cash received, instalments and total repayment.
- If you plan a Sunday visit, confirm the appointment and hours first.
- Keep the Note of Contract and receipts, and do not disclose your Singpass password or pay an advance fee to an unsolicited contact.
Cash Direct’s published range tells you where to start the conversation, not what you will pay. Compare its written offer with offers for the same amount and repayment period before you sign. If the repayment would leave too little for rent, food, utilities, transport or existing debts, pause and consider non-loan assistance or debt counselling first.
