Lending Bee
Cash Direct
Side-by-side comparison
Where Lending Bee wins
Lending Bee’s defining advantage is reach. Four branches in Orchard, Bedok, Jurong East, and Yishun mean that most Singaporeans have a branch within a reasonable commute. If you live in the north (Yishun), east (Bedok), west (Jurong East), or central (Orchard), you’re covered. Cash Direct’s single Jurong East location means a potentially long journey for anyone on the east side or in the north.
The review volume tells its own story. Nearly 10,000 Google reviews at a perfect 5.0-star average is the highest of any licensed loan provider in Singapore. Even accounting for the fact that four branches generate more reviews than one, the per-branch average still exceeds most competitors. At this scale, the rating isn’t a fluke. It reflects a consistent borrower experience across multiple locations and staff teams.
Lending Bee’s selection for the Ministry of Law pilot scheme is a signal worth noting. The Ministry chose six providers out of over 150 licensed operators, which suggests they consider Lending Bee to be among the better-run operations in the industry.
Their mobile app with a rewards programme is a small but real differentiator. No other provider we reviewed offers an app-based borrower experience with loyalty rewards. They also explicitly state no early repayment penalties, which gives borrowers flexibility to pay off loans faster without being punished for it.
Where Cash Direct wins
Cash Direct’s strength is operational track record. Roughly $92 million disbursed to approximately 7,500 borrowers gives them one of the highest claimed disbursement volumes of any single-location provider. That kind of throughput from one branch suggests efficient operations and a steady stream of returning borrowers.
Their product range includes dedicated loan products for Grab and Gojek drivers, a segment that many lenders overlook or handle awkwardly because gig income doesn’t look like a traditional payslip. If you’re a ride-hailing or food delivery driver, Cash Direct has built a product specifically for your income profile.
Cash Direct is a member of the Singapore Fintech Association (SFA), which indicates engagement with the broader financial technology community beyond the minimum regulatory requirements.
Their Jurong East location at Vision Exchange is a modern commercial building (not a heartland HDB block), and their hours run slightly later than some competitors on weekdays (until 7:30pm). Sunday hours (11am to 4:30pm) are useful for borrowers who can’t visit during the week.
Who should choose Lending Bee
Who should choose Cash Direct
How to compare both without visiting two branches
Neither Lending Bee nor Cash Direct is on PickMeALoan yet, so you’d need to visit their branches separately to get rates. If you want to compare offers from multiple top-rated providers in one go, PickMeALoan lets you do that with a single Singpass application.
Apply on PickMeALoan
One application, under 2 minutes via Singpass. Your profile is matched against all partners including Lending Bee and Cash Direct.
Receive offers in WhatsApp
No portals, no logins, no sales calls. Personalised offers from both arrive directly in WhatsApp.
Compare side by side
See Lending Bee’s and Cash Direct’s actual rates for your profile, plus offers from other licensed providers and banks.
Choose and proceed
Pick the best offer. We set up your appointment at whichever branch you choose.
Compare top providers through PickMeALoan
Lending Bee and Cash Direct aren’t on PickMeALoan yet, so you’d need to visit their branches separately to get rates. But if you want to compare offers from multiple top-rated providers in one application, PickMeALoan lets you do that. Our aligned partners include Singa Credit (33+ years, rates from 1%/month, 4.9 stars), EZ Loan (16+ loan types, 5.0 stars, two CBD branches), SGP Credit (5,865 reviews, 5.0 stars), and Best Licensed Moneylender (since 2004, 46-minute average processing). One Singpass application takes about 2 minutes. Offers arrive via WhatsApp, ranked by rate. PickMeALoan runs on AI instead of a human sales floor, so we don’t load costs onto our partner lenders. Lenders who aren’t squeezed don’t squeeze borrowers, which means more competitive offers for you within the regulated cap.
Other lenders worth considering
If neither Lending Bee nor Cash Direct fits your situation, these providers are worth a look. The first four are available on PickMeALoan, so you can get their offers through a single Singpass application.
- Singa Credit: 4.9 stars from 176 reviews, Bugis. 33+ years operating (since 1992), rates from 1% per month. Available on PickMeALoan.
- EZ Loan: 5.0 stars from 683 reviews, Marina Square + Beach Road. 16+ loan types including foreigner and Grab driver loans. Available on PickMeALoan.
- SGP Credit: 5.0 stars from 5,865 reviews, Jurong East. Strong for business and SME lending. Available on PickMeALoan.
- Best Licensed Moneylender: 5.0 stars from 818 reviews, Bugis/City Hall. Since 2004, 46-min average processing. Available on PickMeALoan.
- Crawfort: 4.9 stars from 3,457 reviews, City Hall. Fastest approvals (8 minutes claimed).
- Quick Credit: 5.0 stars from 2,001 reviews, Jurong East (IMM). Open 7 days a week, 24+ years.
Useful guides
- Compare offers from top-rated licensed providers: side-by-side rates from banks and licensed providers
- Best Licensed Loan Providers Singapore: our full roundup of the top providers
- Foreigner Personal Loans: options for EP, S Pass, and Work Permit holders
- How PickMeALoan Works: how the AI matching and rate comparison works
- Licensed Moneylenders Directory: full directory of licensed providers
- Borrow Money in Singapore: complete guide to all borrowing options
By Daniel Koh, Personal Finance Expert at PickMeALoan.
