What Is Roshi?
Roshi is an independent, founder-led loan comparison and matching marketplace founded in 2020. Incorporated in 2022 as ROSHI Pte Ltd (UEN: 202222480E), the company is headquartered at Suntec Tower One, Singapore.
What makes Roshi notable is its combination of independence, product breadth, and borrower rewards. The platform is not venture capital funded — the founders emphasise that this independence means their recommendations aren’t influenced by investor pressure. Their commission model aligns with borrower interests: “We only win when customers close at a favorable rate.”
Roshi works with 40+ banks and licensed moneylenders, has helped 10,000+ borrowers, and has returned over S$1,000,000 in cashback rewards. The platform has been featured by StartupSG, Singapore Fintech Association, TechInAsia, and Yahoo Finance, giving it established brand recognition in the Singapore fintech space.
The platform has evolved over time, launching home loans in 2022, personal loans in 2023, and business lending in 2025, making it one of the broadest loan marketplaces in Singapore.
How Roshi Works
- 30-second Singpass application — Verify your identity via Singpass and MyInfo auto-populates your details. No manual form filling required.
- Match with 40+ lenders — Roshi compares your profile against its network of banks and licensed lenders to surface indicative offers without a formal application.
- Receive personalised offers — See matched loan offers with terms specific to your eligibility.
- Choose your offer — Select the best option. For moneylender offers, you’ll need an in-person visit for verification.
- Get cashback — Upon successful loan completion, receive cashback rewards or vouchers through Roshi’s rewards program.
Roshi also maintains educational content including moneylender reviews and financial guides, reviewed by their editorial team. This is useful for borrowers who want to research specific lenders before committing.
Key Features
- 40+ lender partners: Banks and licensed moneylenders, providing a good breadth of options for different borrower profiles.
- S$1M+ in cashback: A proven rewards program that returns tangible value to borrowers — this is Roshi’s signature feature.
- 30-second Singpass application: Fast, accurate applications through MyInfo integration.
- No hard credit checks: Applying on Roshi doesn’t trigger credit bureau inquiries.
- Broadest product range: Home loans, personal loans, business loans, and fast cash — more product categories than most competitors.
- Fact-checked content: Editorial team reviews moneylender reviews and guides for accuracy.
- PDPA compliant: Data protection in line with Singapore’s Personal Data Protection Act.
- Independent ownership: Not VC-funded, aligning platform incentives with borrower outcomes.
Loan Categories
Roshi covers the broadest product range among Singapore loan marketplaces:
Roshi vs PickMeALoan
| Feature | Roshi | PickMeALoan |
|---|---|---|
| Operating since | 2020 | — |
| Lender network | 40+ (banks + moneylenders) | Banks + licensed moneylenders |
| Singpass | Yes (30-second app) | Yes |
| Matching technology | Comparison-based | AI-powered matching |
| Offer delivery | Platform dashboard | |
| Cashback | S$1M+ returned (proven) | $50+ per loan |
| Product range | Home, personal, business, fast cash | Personal loans (focused) |
| Best-rate edge | Comparison only | Best-rate negotiation + rate-match guarantee |
| Content/education | Extensive reviews and guides | — |
| Independence | Not VC-funded | — |
| Media coverage | StartupSG, SFA, TechInAsia, Yahoo | — |
Roshi and PickMeALoan are both strong platforms that approach loan comparison differently. Roshi has the advantage of longevity (operating since 2020), broader product coverage, an established cashback program, and a content ecosystem that helps borrowers educate themselves before applying.
PickMeALoan differentiates with AI-powered matching technology that aims to deliver more precisely matched offers, WhatsApp delivery for convenience, and best-rate negotiation: you submit one application, get personalised offers from multiple licensed lenders and banks, we push them for their best possible rate (rate-match guarantee from 0.82% per month), and lenders don’t get your details to cold-call you — you choose which offers to proceed with. Comparing offers on PickMeALoan does not automatically affect your credit score — a credit check only happens if you proceed with a specific lender’s formal application.
For borrowers who need home loans or business loans in addition to personal loans, Roshi is clearly the more comprehensive platform. For those focused specifically on getting the best personal loan match quickly with modern delivery, PickMeALoan’s focused approach may deliver a better experience.
Who Is Roshi Best For?
When to Use PickMeALoan Instead
Consider PickMeALoan over Roshi when:
- You want AI-powered matching — PickMeALoan uses AI to match your specific profile to the most suitable offers, rather than a broader comparison approach.
- You prefer WhatsApp delivery — Offers arrive in your WhatsApp instead of requiring you to check a platform dashboard, which is more convenient for most Singaporeans.
- No spam calls matter to you — With PickMeALoan, offers come to you through WhatsApp and lenders don’t get your details to cold-call you; you choose which offers to proceed with.
- You want a focused personal loan experience — PickMeALoan is purpose-built for personal loans, meaning every feature is optimized for that specific use case rather than spread across multiple product types.
- Speed matters most — PickMeALoan’s AI matching aims to deliver personalized offers faster than traditional comparison approaches.
Other Platforms Worth Considering
If you’re exploring options beyond Roshi, these reviews may help:
- Money Kinetics — 5.0 stars, claims 50+ lender partners, Singpass integration
- Credible.sg — 4.9 stars, moneylender matching with audited lender network
- Lendela — Bank loan comparison platform for higher-income borrowers
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
The Bottom Line
Roshi is one of the strongest loan marketplaces in Singapore, and one we genuinely recommend borrowers consider. Its combination of 40+ lender partners, S$1M+ in proven cashback rewards, independent ownership, and the broadest product range (home, personal, business loans) makes it a comprehensive platform. The established track record since 2020 and media coverage provide credibility that newer platforms are still building. Where Roshi falls short relative to PickMeALoan is in matching technology (no explicit AI), offer delivery (platform vs WhatsApp), and rate leverage — PickMeALoan pushes lenders to their best possible rate, backed by a rate-match guarantee from 0.82% per month, with no lenders cold-calling you. For personal loans specifically, PickMeALoan’s focused, AI-driven approach may deliver better-matched offers faster — but Roshi should be on your comparison shortlist.