At a Glance
What Borrowers Say About EZ Loan
EZ Loan has a 4.9-star rating, but from only 79 tracked reviews. That is a small sample — lenders like Lending Bee and Cash Direct have thousands. The score looks good, but there is not enough data to be confident it reflects a broad range of borrower experiences.
What borrowers do say is positive: the process is fast (EZ Loan advertises 20-minute approvals with 30-minute disbursement, and reviewers back that up), the staff are professional, and there are no hidden fees. The speed claim appears credible based on available feedback.
The standout feature is the product range. EZ Loan lists 16+ loan types, which is the widest we have seen among Singapore moneylenders — everything from investment loans to Grab driver loans. Their Marina Square branch is inside a JustCo co-working space, which is discreet but can be hard to find if you are visiting for the first time.
Loan Products
EZ Loan offers the most extensive product menu of any moneylender in this review series:
Rates and Fees
All licensed moneylenders in Singapore operate under a 4% per month interest rate cap set by the Ministry of Law. EZ Loan describes their rates as “affordable” with transparent terms, though specific rate ranges are not published on their website.
Your actual rate will depend on your income, credit profile, and the type and amount of loan you are seeking. Given their wide product range, rates may vary across loan types — for example, a secured business term loan may carry different terms than an emergency cash loan. Ask for a detailed breakdown when you apply.
Who Is EZ Loan Best For?
Location and How to Get There
EZ Loan operates two branches in central Singapore:
Marina Square Branch (Main): Located at 6 Raffles Blvd, #03-308, Marina Square, Singapore 039594, inside the JustCo co-working space on the third floor.
From Esplanade MRT (CC3), take Exit D and walk towards Marina Square shopping mall — it is approximately a 3-minute walk. Alternatively, from Promenade MRT (CC4/DT15), take Exit A and walk to Marina Square. Once inside, head to the third floor and look for the JustCo co-working space. EZ Loan’s office is at unit #03-308.
Beach Road Branch: Located at 3 Beach Road, #01-4853, Singapore 190003.
From Nicoll Highway MRT (CC5), walk towards Beach Road — approximately 5 minutes. The office is at the ground floor of the building at 3 Beach Road.
Both branches are in the Downtown Core area and are accessible by numerous bus services.
How to Apply
- Choose your branch — Marina Square for a more private co-working space environment, or Beach Road for a ground-floor walk-in experience
- Visit during operating hours — Mon-Sat 11:00 AM - 7:00 PM at either location
- Bring required documents — NRIC (or work pass for foreigners), proof of income, and proof of address
- Complete the application — Approvals are typically within 20 minutes
- Review and sign — The team will explain all terms before you commit
- Receive your funds — Cash disbursement within 30 minutes of approval
You can also reach EZ Loan via WhatsApp at +65 8388 3388 to ask questions before visiting.
How EZ Loan Compares
Don’t evaluate EZ Loan in a vacuum — compare it against other licensed lenders and banks on PickMeALoan. A single application is all it takes, and you receive personalised offers from multiple licensed lenders. Offers arrive in WhatsApp, AI-matched around the clock; we push lenders for their best possible rate (rate-match guarantee from 0.82% per month, 9.88% p.a.) and set up your appointment — you choose which to proceed with, and lenders don’t get your details to cold-call you. The final rate, amount, and approval remain subject to each lender’s verification.
Use PickMeALoan to compare rates instantly.
Other Lenders Worth Considering
If you’re exploring options beyond EZ Loan, these reviews may help:
- Crawfort — 4.8 stars at City Hall, 1,700+ reviews, algorithmic rate matching
- Singa Credit — 30+ years in Bugis, rates from 1%, open weekends
- Finance Buddy — PhillipCapital-backed in the CBD, specialised secured lending
Useful Guides
- Compare Personal Loans in Singapore — Side-by-side comparison from banks and licensed lenders
- Borrow Money in Singapore — Complete guide to borrowing options
- Licensed Moneylenders Directory — Full directory of licensed lenders
Tips Before Visiting EZ Loan
- WhatsApp before visiting — Reach EZ Loan at +65 8388 3388 to confirm which branch is best for your loan type and to ask any preliminary questions.
- Specify your exact loan need — With 16+ products, telling the team exactly what the loan is for (legal fees, renovation, investment, etc.) ensures you are assessed under the right product with appropriate terms.
- Choose your branch based on privacy preference — The Marina Square JustCo location is more discreet and professional; the Beach Road branch is a more traditional walk-in setup.
- Verify the licence before visiting — Check licence number 19/2026 on the Ministry of Law’s registry.
- Ask about credit card consolidation specifically — If you are carrying balances across multiple credit cards, EZ Loan is one of the few moneylenders with a dedicated credit card consolidation product, which may have more tailored terms than a generic personal loan.