Finance Buddy Review (2026)
Review Summary
Finance Buddy is a licensed moneylender specialising in both secured and unsecured loans. Operating under its parent company, Philis Capital, Finance Buddy is well-known for its expertise in secured financing.
They offer secured loans using collateral such as bonds, insurance policies, shares, and unit trusts. With Finance Buddy’s secured loan solutions, customers can enjoy lower interest rates without needing to sell or transfer ownership of their assets.
Your bonds, insurance policies, shares, and unit trusts remain fully under your name while being used as collateral.
Finance Buddy provides flexible, asset-backed financing designed to help clients unlock liquidity while retaining long-term investment ownership.
Google Reviews & Borrower Sentiment
Overall Rating
Common Review Themes
Based on Google’s automated review insights, borrowers most frequently mention:
Selected Google Review Excerpts
thank you Janet.”
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 | ✓ |
| Singa Credit | From 2.00% | ⭐ 4.9 | ✓ |
| 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 | |
| Finance Buddy | From 2% | ⭐ 0 | ✓ |
Frequently Asked Questions
Clear answers to help you secure the best personal loan deals in Singapore.
Is Finance Buddy a licensed moneylender in Singapore?
Yes. Finance Buddy is a licensed moneylender operating in Singapore under its parent company, Philis Capital. All loans are issued in accordance with the Ministry of Law’s regulations, ensuring responsible lending, transparent terms, and borrower protection.
What types of loans does Finance Buddy offer?
Finance Buddy offers both secured and unsecured financing solutions for individuals and businesses. Secured loans allow clients to leverage assets such as bonds, insurance policies, shares, and unit trusts to access lower interest rates, while unsecured loans are available for borrowers who prefer financing without collateral, subject to eligibility.
What assets can be used as collateral for secured loans?
Accepted collateral includes bonds, insurance policies, shares, and unit trusts. Importantly, clients do not need to sell or transfer ownership of these assets. All collateral remains under the client’s name throughout the loan tenure.
Will I lose ownership or benefits of my assets during the loan?
No. Assets pledged as collateral remain fully owned by the client. You continue to enjoy benefits such as dividends, interest, or policy value growth while unlocking liquidity from your investments.
How are interest rates and repayment terms determined?
Interest rates and repayment structures are customised based on your financial profile, loan type, and collateral (if applicable). Secured loans typically offer significantly lower interest rates than unsecured loans. All fees, interest, and repayment schedules are clearly explained upfront before any agreement is signed.
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