At a Glance
What Borrowers Say About Cash Direct
Cash Direct has a 5.0-star rating from over 5,000 Google reviews, which is the highest volume we have seen among Singapore moneylenders. The reviews are overwhelmingly positive — borrowers mention fast processing, friendly staff, and clear explanations of loan terms. That said, 5,000 perfect reviews is unusual for any business. We cannot verify whether all reviews are organic, but the consistency of specific details (staff knowledge, clear terms, Sunday availability) across reviews suggests genuine borrower experiences.
Borrowers say the process is smooth from application to disbursement, and several mention that loan officers made sure they understood their commitments before signing. Cash Direct claims 92% of clients repay on time, which, if true, would point to reasonable lending terms — but we have no way to confirm that figure.
Their interest rate floor of 2% per month is higher than some competitors who advertise from 1%, so if rate is your priority, get quotes from multiple lenders before committing.
Loan Products
Cash Direct offers one of the widest product ranges among Singapore moneylenders:
Rates and Fees
Cash Direct publishes their interest rate range as 2-4% per month, which is transparent and within the Ministry of Law’s regulated cap of 4% per month for all licensed moneylenders. The 2% floor is competitive but not the lowest in the market — some lenders advertise from 1%.
Your actual rate will depend on your individual profile, income, and loan amount. Cash Direct uses Singpass MyInfo integration for applications, which allows them to verify your income and employment details quickly and assess your rate accurately. With Cash Direct claiming 92% of clients repay on time, the company appears to have sound credit assessment practices in place.
Who Is Cash Direct Best For?
Location and How to Get There
Cash Direct is located at Vision Exchange, 2 Venture Drive, #01-21, Jurong East Central, Singapore 608526. Vision Exchange is a modern commercial building in the Jurong East business district.
From Jurong East MRT (NS1/EW24), take Exit B and walk towards Venture Drive. The walk takes approximately 5 minutes. Vision Exchange is the glass-fronted commercial building along Venture Drive, and Cash Direct’s office is at unit #01-21 on the ground floor.
The Jurong East area is well-connected as it sits at the interchange of the North-South and East-West MRT lines. Several bus services also stop near Vision Exchange along Jurong Gateway Road.
How to Apply
- Apply online via Singpass MyInfo — Visit cashdirect.sg and start your application. Singpass integration pulls your verified details automatically, saving time
- Wait for initial assessment — Cash Direct typically provides approval within 30 minutes
- Visit in person for verification — Head to Vision Exchange #01-21 during operating hours. Remember they are open on Sundays too (11 AM - 4:30 PM)
- Review and sign — Their loan officers will walk you through all terms, rates, and the repayment schedule
- Receive your funds — Disbursement upon completion of verification
How Cash Direct Compares
Rather than judging Cash Direct in isolation, see how it stacks up against other licensed lenders and banks. With PickMeALoan you submit one application and receive personalised offers from multiple licensed lenders; we push them for their best possible rate (backed by our rate-match guarantee from 0.82% per month, 9.88% p.a.), deliver the offers to your WhatsApp, and set up your appointment. You choose which offers to proceed with, and no lenders get your details to cold-call you. Final rate, amount, and approval are subject to each lender’s verification.
Use PickMeALoan to compare rates instantly.
Other Lenders Worth Considering
If you’re exploring options beyond Cash Direct, these reviews may help:
- BST Credit — 4.9 stars in Jurong East, 10 loan types including debt consolidation
- OT Credit — 4.9 stars in Jurong East, staff praised by name for patient service
- SGP Credit — 5.0 stars in Jurong East, strong SME focus with 5,100+ Google reviews
Useful Guides
- Compare Personal Loans in Singapore — Side-by-side comparison from banks and licensed lenders
- Licensed Moneylenders in Jurong East — Full directory of Jurong East lenders
- Licensed Moneylenders Directory — Full directory of licensed lenders
Tips Before Visiting Cash Direct
- Take advantage of Sunday hours — If your weekdays are packed, Cash Direct’s Sunday opening (11 AM - 4:30 PM) is a rare convenience among moneylenders. Call ahead at +65 6493 0088 to confirm.
- Start online with Singpass — Use Cash Direct’s MyInfo integration to pre-fill your application before visiting. This reduces time spent at the office.
- Ask about the 2% rate tier — With rates ranging from 2-4%, find out what qualifications or loan amounts get you closer to the 2% floor.
- Verify the licence before visiting — Check licence number 89/2025 on the Ministry of Law’s registry.
- Bring Grab/Gojek earnings records if applicable — If you are a platform driver, having your recent earnings statements ready will help the loan officers assess you faster using their specialised product.