OT Credit

Review (2026)

Updated Jan 2026
OT Credit Logo

Review Summary

Based on publicly available information and borrower feedback, OT Credit operates as a licensed moneylender in Singapore and provides in-person loan services to borrowers.

Many borrower reviews reference clear explanations of loan terms, patient assistance from loan officers, and a generally smooth application process when loans are approved. Several reviews mention that staff take time to explain documentation, repayment schedules, and conditions, which may be helpful for borrowers who prefer guided assistance.

At the same time, some reviews highlight less favourable experiences, including dissatisfaction with customer service interactions, communication style, or unmet expectations during the application or repayment process. These experiences appear more frequently in older reviews, while more recent feedback tends to focus on service quality and process clarity.

Overall, available reviews suggest that OT Credit follows standard licensed moneylending practices in Singapore. The lender may be suitable for borrowers seeking in-person assistance and clear explanations, while individual experiences may vary depending on eligibility, timing, and interaction with staff.

Google Reviews & Borrower Sentiment

Overall Rating

4.9
★★★★★
Based on 555 Google reviews
This rating reflects feedback submitted directly by borrowers on Google Maps.
Data last pulled: January 2026

Common Review Themes

Based on Google’s automated review insights, borrowers most frequently mention:

Clear & Patient Explanations
Friendly & Supportive Service
Smooth Transactions When Approved
Review themes are generated by Google based on recurring keywords in customer reviews.
Data last pulled: January 2026

Selected Google Review Excerpts

★★★★★
“Friendly experience when taking up loans with OT Credit Pte Ltd. The team explained the terms and conditions clearly, and provide examples in between. They are not rude, always converse with you politely. Thank you for providing me and fulfilled my needs with great customer service. Will definitely returned, if i ever need a loan again. Thank you Natalie and Alfred. Continue to serves those in need well! 👍🏽”
— Aiqal Kaskhy, Google Review
★★★★★
“Had a really good experience here with this money lender. The process was smooth and quick. Highly recommend my agent Mr Alfred, he is patient and professional”
— Amir Ali, Google Review
★★★★★
“I came to OT credit 1st time, and the lady name Ms Winnie was there to assist me regarding about my situation and she was polite and kind to understand about it. She was very helpful and patience when i was looking through some documents that needed. Very professional of her fast and easy. Highly recommended to this place.”
— n. S U H A I L A, Google Review

List of Reputable Licensed Moneylenders Available on PickMeALoan

Updated Jan 2026

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 i 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
See more moneylenders ⌄

Frequently Asked Questions

Clear answers to help you secure the best personal loan deals in Singapore.

Is OT Credit a licensed moneylender in Singapore?

Yes. OT Credit is a licensed moneylender regulated under Singapore’s Ministry of Law and operates within the licensed moneylending framework.

What do borrowers commonly say about OT Credit?

Borrower reviews frequently mention patient explanations, friendly assistance, and a smooth application process when loans are approved. Some older reviews also reference less positive service experiences, indicating that experiences may vary.

Is OT Credit suitable for first-time borrowers?

Some reviews suggest that OT Credit may be suitable for first-time borrowers who prefer in-person guidance and clear explanations of loan terms, provided eligibility requirements are met.

Why do OT Credit reviews mention staff behaviour or service tone?

A portion of reviews — particularly older ones — mention dissatisfaction with communication style or customer service interactions. More recent reviews tend to focus on explanation quality and process clarity.

Does OT Credit explain loan terms clearly before signing?

Many recent borrower reviews highlight that loan officers take time to explain repayment schedules, contract details, and documentation before proceeding.

Do I need to visit OT Credit’s office in person?

Based on borrower feedback, OT Credit typically requires borrowers to visit their office in person to complete identity verification and loan documentation.

Can I apply online for a loan with OT Credit?

Initial enquiries may be made online or by phone, but the loan application and verification process generally involves an in-person visit.

Why might my OT Credit loan application be rejected?

Applications may be declined due to factors such as income stability, existing loan commitments, repayment capacity, or internal eligibility criteria.

Are borrower experiences at OT Credit consistent?

Borrower experiences vary. While many recent reviews describe positive interactions, some reviews indicate dissatisfaction during certain interactions or periods. Individual experiences may depend on timing, eligibility, and staff interaction.

Should I compare OT Credit with other licensed moneylenders?

Yes. Comparing multiple licensed moneylenders can help borrowers better understand differences in approval criteria, repayment expectations, and service approach before deciding.

Is OT Credit a PickMeALoan Aligned Partner?

OT Credit may appear as an option on PickMeALoan depending on borrower eligibility and matching outcomes. Aligned partner availability can vary based on loan profile and criteria.

Is PickMeALoan affiliated with OT Credit?

No. PickMeALoan is an independent loan comparison platform. We do not issue loans and are not owned by OT Credit.

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