Licensed Money Lenders in Singapore — Reviewed & Compared
Compare licensed money lenders in Singapore based on borrower needs.
Borrowing from a licensed money lender can be a legitimate option if you need quick access to cash or do not meet traditional bank requirements. However, interest rates, fees, approval timelines, and eligibility criteria can vary significantly between lenders.
This page groups licensed money lenders in Singapore by common borrower needs, helping you compare options more clearly and reduce unnecessary applications.
Unlike platforms that broadcast your details to multiple lenders, PickMeALoan allows you to compare options privately and decide which lender to approach.
What is a licensed money lender in Singapore?
Licensed money lenders are regulated by the Ministry of Law and must comply with strict rules on interest rates, fees, advertising, and borrower protection.
They are different from banks and financial institutions, which are regulated by the Monetary Authority of Singapore (MAS).
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 |
How PickMeALoan Groups Moneylenders by Region
Licensed moneylenders in Singapore may operate physical branches in specific regions, but location does not determine loan suitability or approval outcomes. Borrower eligibility, loan terms, and approval decisions depend on individual profiles and lender criteria — not branch proximity.
PickMeALoan groups licensed moneylenders below based on where they operate or maintain branches, using publicly available information.
Some moneylenders may operate in multiple regions and may appear in more than one section.
This page does not rank or recommend moneylenders. It is intended to provide an overview of availability by general operating regions to help users understand coverage across Singapore.
Licensed Moneylenders in the West (Singapore)
Moneylenders listed here operate or maintain branches in western areas such as Jurong, Clementi, and surrounding locations.
Availability on PickMeALoan does not depend on branch location. Applications are assessed based on borrower profile and lender criteria.
Licensed Moneylenders in Central (Singapore)
Moneylenders listed here operate or maintain branches in central areas such as City Hall, Ang Mo Kio, and surrounding locations.
Availability on PickMeALoan does not depend on branch location. Applications are assessed based on borrower profile and lender criteria.
Licensed Moneylenders in the East (Singapore)
Moneylenders listed here operate or maintain branches in eastern areas such as Bedok, Sengkang, and surrounding locations.
These moneylenders are available through PickMeALoan’s platform, with loan comparison and application handled centrally.
Licensed Moneylenders in the North (Singapore)
Moneylenders listed here operate or maintain branches in northern areas such as Woodlands, Chua Chu Kang and surrounding locations.
These moneylenders are available through PickMeALoan’s platform, with loan comparison and application handled centrally.
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Types of Personal Loans
Frequently Asked Questions
Clear answers to help you secure the best personal loan offers in Singapore.
What is this page showing?
This page highlights selected licensed moneylenders in Singapore to help borrowers quickly understand available options based on public information such as borrower reviews, branch locations, and advertised interest ranges.
Are all the moneylenders shown here licensed and regulated?
Yes. All lenders shown on this page are licensed moneylenders regulated by Singapore’s Ministry of Law, which means they must follow strict rules on interest rates, fees, and borrower conduct.
Does PickMeALoan recommend or endorse any of these lenders?
No. PickMeALoan does not recommend or endorse any specific lender. The lenders shown here are presented for comparison and discovery only, not as personalised recommendations.
What does “PickMeALoan aligned partner” mean?
Some lenders work directly with PickMeALoan to streamline the application process and borrower experience. This does not affect loan approval, interest rates, or loan terms, which are decided entirely by the lender.
Are the interest rates shown on this page guaranteed?
No. Interest rates shown are indicative only and usually reflect the lender’s advertised maximum or starting rates. Your actual rate depends on your personal profile, loan amount, and repayment tenure.
Do higher Google ratings mean higher chances of loan approval?
No. Google ratings reflect customer service and borrower experience, not approval likelihood. Loan approval depends on your individual financial profile and the lender’s assessment criteria.
Why do some lenders show multiple locations?
Some licensed moneylenders operate multiple physical branches across Singapore. Locations are shown to indicate where in-person verification or loan disbursement may take place, if required.
Can I apply directly to a lender from this page?
Applications are processed through PickMeALoan to help match borrowers with suitable options. Viewing or clicking on a lender does not guarantee approval or mean you are applying directly to that lender.
Is PickMeALoan a moneylender?
No. PickMeALoan is not a moneylender and does not issue loans. It is a comparison and matching platform designed to help borrowers understand and navigate licensed loan options in Singapore.
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