Credit Xtra Review (2026)
Review Summary
Based on our review of Credit Xtra Pte Ltd’s publicly available information and customer feedback, Credit Xtra appears to operate as a licensed moneylender in Singapore, with a strong emphasis on clear communication, transparent loan terms, and personalised service throughout the borrowing process.
Public reviews frequently highlight the professional, patient, and approachable nature of Credit Xtra’s staff, as well as the clarity of explanations around loan conditions, interest rates, repayment schedules, and associated fees. Several borrowers mention that the loan application process is smooth and well guided, with staff taking time to address questions and ensure borrowers understand their obligations before proceeding.
Overall, available information suggests that Credit Xtra follows standard licensed moneylending practices within Singapore’s regulatory framework, with customer experiences commonly reflecting efficiency, transparency, and compliance with local regulations, particularly for borrowers seeking short-term or personal cash loans.
Google Reviews & Borrower Sentiment
Overall Rating
Common Review Themes
Based on Google’s automated review insights, borrowers most frequently mention:
Selected Google Review Excerpts
What truly set Credit Xtra apart was their flexibility and personalized approach. They took the time to understand my financial situation and goals, tailoring a loan package that met my needs. Their rates were competitive, and their fees were clearly outlined, with no hidden surprises.
Throughout the process, their customer service team was responsive, professional, and genuinely invested in helping me secure the best loan for my situation. I'd highly recommend Credit Xtra to anyone looking for a stress-free loan experience. Five stars, hands down!”
Most importantly, they were reliable everything they said they would do, they followed through on. Overall, a very positive and reassuring experience!”
List of Reputable Licensed Moneylenders Available on PickMeALoan
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
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 |
Frequently Asked Questions
Clear answers to help you secure the best personal loan deals in Singapore.
Is Credit Xtra a licensed moneylender in Singapore?
Yes. Credit Xtra is a licensed moneylender regulated under Singapore’s Ministry of Law and operates within the licensed moneylending framework.
Is Credit Xtra legit and safe to borrow from?
Credit Xtra operates under Singapore’s licensed moneylending regulations. Loan terms, interest rates, fees, and borrower protections are governed by statutory requirements.
What do borrowers commonly say about Credit Xtra?
Borrower reviews frequently mention professional service, clear explanations of loan terms, and a generally smooth application process when loans are approved.
Is Credit Xtra suitable for first-time borrowers?
Some reviews suggest that Credit Xtra may be suitable for first-time borrowers who prefer structured explanations and in-person guidance, provided eligibility criteria are met.
Why was my Credit Xtra loan application rejected?
Applications may be rejected due to factors such as income stability, existing loan commitments, credit exposure, or internal eligibility assessments.
Does Credit Xtra check CPF contributions?
Some borrower feedback suggests that CPF contribution history may be considered as part of the overall eligibility assessment, alongside income and existing liabilities.
Can I apply to Credit Xtra if I already have other loans?
Having existing bank or licensed moneylender loans may affect approval outcomes. Eligibility is assessed based on overall repayment capacity.
Do I need to visit Credit Xtra’s office in person?
Based on borrower feedback, Credit Xtra typically requires an in-person visit to complete identity verification and loan documentation.
Can I apply online for a loan with Credit Xtra?
Initial enquiries may be made online or by phone, but the loan application and verification process usually involves an in-person visit.
Does Credit Xtra offer weekly or monthly repayment plans?
Repayment frequency depends on the loan terms offered and is explained during the application process. Borrowers should confirm repayment schedules before signing.
Should I compare Credit Xtra with other licensed moneylenders?
Yes. Comparing multiple licensed moneylenders can help borrowers understand differences in approval criteria, repayment terms, and overall borrower experience.
Is Credit Xtra a PickMeALoan Aligned Partner?
Credit Xtra may appear as an option on PickMeALoan depending on borrower eligibility and matching outcomes. Aligned partner availability can vary.
Is PickMeALoan affiliated with Credit Xtra?
No. PickMeALoan is an independent loan comparison platform. We do not issue loans and are not owned by Credit Xtra.
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