About Us

What is Moneylender Singapore?

Moneylender Singapore is one of the most reliable and trusted one stop solution by providing the most competitive loan offers among licensed moneylenders. Moneylender Singapore is created as a loan matching system to specifically foundation for the best fair moneylender loan supply to fit your personal demand.

In fact, Moneylender Singapore is a stand alone matching platform. That...

How It Works


Let Us Know The Amount You Need To Loan
Start by enter a short application form with the amount you wanted to loan and a few simple details about yourself.


Get the list of Licensed Moneylender
Get up to 10 quotation for loans immediately once you send us your details.


Choose the lender you most comfortable with
Accept one or more non-binding offers from lenders. The professional loan consultant will contact you shortly

Fastest way

Get the Best Interest Rates

The list of moneylenders will offer you their best rates immediately.


Licensed Moneylenders Only

We ensure that all the moneylenders that subscribe with Moneylender Singapore are officially licensed and legal.


Free and easy to Use

There are no extra charges or fees that you have to pay for using Moneylender Singapore

Get a loan by click button below

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Frequent Ask Question

Moneylender Singapore is not a moneylender. We give a support of help to loan applicant get the most aggressive financing costs from authorized moneylenders in Singapore.
Do not have any personal information is keep. All contact with the moneylenders is through you just to guarantee secret.
There are some point must keep in mind:
  • Before reaching a moneylender, consider there are any solutions, such as the various budgetary help program offering by various Government organization. You may contact the organization to get more information about their program.
  • You are legally obliged to fulfil any loan contract you join into with a licensed moneylender.
  • Judge yourself whether you are able to maintain all the agreement condition, remembering your pay and money is related with your commitments. Besides that, always remember that if you are unable to meet the agreement condition, the late payment expenses and interest payment will be a financial strain not just on yourself as well as on your family.
  • The Ministry of law request licensed moneylenders to clarify the condition of a loan to you in a language that you understand and to provide you with a duplicate of the loan contract. Ensure you are completely understand the terms of the contract. In particular, the repayment plan, the interest rate charged and the expenses applicable.
  • Furthermore think over and over again before consenting to any agreement term which enable a moneylender to lodge a caveat on the sale proceeds of your real estate property upon default of the loan repayment. When a caveat is lodge against your property, you must repaying the moneylender in full if not you will not be able to sell it. In case, that the repayment is taken from the net continues from the offer of the property, it can wipe out all or a generous segment of the returns.
  • You should research around various moneylenders for the most reasonable terms. You should not hurry into and confer yourself to a loan until you are satisfy and agree with the terms and conditions.

For secured loans, you can apply a loan of any amount. For unsecured loans, you can apply:

  • If your annual income is under $20,000 can lend up to $3,000;
  • In case, your annual income is $20,000 or more but less than $30,000  you can lend up to 2 months’ of your income;
  • If your annual income is $30,000 or more but less than $120,000 you can lend up to 4 months’ of your income;
  • Any amount, if your annual income is $120,000 and above.
For loans agreement between 1 June 2012 and 30 September 2015, moneylenders are require to compute and reveal to you the Effective Interest Rate of the loan, before the loan is grant. In case your annual income is below $30,000, the interest rate which moneylenders can charge, for both secured and unsecured advances, is topped at:
  • 13 per cent Effective Interest Rate Charge for secured loans; and
  • 20 per cent Effective Interest Rate Charge for unsecured loans.
The Effective Interest Rate considers the intensifying impact of the repayment of installments over a one-year time frame. This means that Effective Interest Rate better mirrors the real cost of getting over a one-year time span.
In case your annual income is $30,000 and above, the caps above are not pertinent and interest rate is to be settle upon between the moneylender and the borrower. With effective from 1 October 2015, the maximum interest rate moneylenders can charge is 4% per month. This is  applies to all loan regardless of the borrower’s salary and whether the loan is an unsecured or secured one. In case, a borrower neglects to make repayment of the loan on time, the maximum rate of late interest a moneylender can charge to borrower is 4% per month for each month the loan is repay late.
The estimation of interest charge on the loan must be base on the measure of principal remaining after deducting from the original principal the total payments make by or on behalf of the borrower which are appropriate to principal.
The delay interest must be charging on an amount that is repay late. The moneylender can't charge on amounts that are outstanding but not yet due to be repay. [For example, if X takes a loan of $10,000, and fails to pay for the first installment of $2,000, the moneylender may charge the late interest on $2,000 but not on the remaining $8,000 as it is not due yet.]
Therefore, loans agreement between 1 June 2012 and 30 September 2015, moneylenders are only allow to charge six sorts of expenses:
  • For each situation of late repayment of principal or interest;
  • For each situation the terms of the loan contract are varied at your demand;
  • Any dishonoured cheque issued by you;
  • For each unsuccessful GIRO deduction from a bank account, as installment to the moneylender;
  • For early redemption of the loan or early termination of the contract; and
  • Legal expenses brought about for the recovery of the loan.
Any other fees are not allow, and are hence not execute by the moneylender. With impact from 1 October 2015, all moneylenders are only allow to force the following charges and expenses:
  • a charge not exceeding $60 for each month of late repayment;
  • a charge not exceeding 10% of the principal of the loan when a loan is grant; and
  • legitimate costs requested by the court for a effective claim by the moneylender for the recovery of the loan.The aggregate charges imposed by a moneylender on any loan, comprising of interest, late interest, upfront regulatory and late fee also can't exceed an amount comparable to the principal of the loan. [For example, if X takes a loan of $10,000, then the interest, late interest, 10% administrative fee and monthly $60 late fees cannot exceed $10,000.]
Avoid apply loan from unlicensed moneylenders. Verify that a moneylender is licensed by checking the list of licensed moneylenders.
Not with standing that the moneylenders are authorized, be careful in case they are:
  • Utilize abusive language, or express in a threatening manner towards you.
  • Request your SingPass user ID and/or password.
  • Keep your NRIC card or any other individual ID records(e.g. driver’s license, passport,work permit, employment pass or ATM card).
  • Request that you to sign on a blank or incomplete Note of Agreement for the loan.
  • Offer you a loan without giving you a duplicate of the Note of contract for the loan as well as without properly explaining to you all the terms and conditions.
  • Offer you a loan without practicing due determination (e.g. approving a loan over the phone, SMS or email before even receiving your loan application form and supporting documents, such as the bank statement, income tax assessment and payslips).
  • Withhold any part of your principal loan amount for any reason.
Licensed moneylenders are only allow to advertise through these three channels: (a) business or consumer indexes (in print or online media); (b) website that belonging to the moneylender; and (c) advertisements placed within or on the exterior of the moneylender’s business premises. Other that this three channels are not allow. In case, you get any flyers, SMSes, emails or different types of advertisements which are not allowed, these would either be from licensed moneylenders operating in breach of the advertising limitation, or from unlicensed moneylenders. Hence, you are urge not to respond to such advertisements. Instead, you should report the advertisements by furnishing us with a proof of the advertisements (for SMS – a screen shot) to the Registry at email address: OneMinLaw@mlaw.gov.sg or to the Police.
You are urge to get clarifications on particular terms of the loan contract before signing up with a licensed moneylender. Besides that do not to trust solely on the content of advertisements from the moneylender.
You should guarantee that:
  • You understand your duties as a surety;
  • When you receive a duplicate of the Note of Agreement at the time that the loan is give to the borrower;
  • The moneylender has clarified the terms in the Note of Agreement in a language that you understand;
  • Moneylender can not keep your NRIC card or any other personal ID documents (e.g.driver’s license, passport).
  • The moneylender can not obtain any data that contains passwords to your user accounts (e.g. Singpass account, Internet banking account, email account).
  • Ensure the moneylender conveys to you the correct principal amount of the loan. The moneylender is only allowed an upfront deduction of a loan approval fee of up to 10% of the principal amount.
  • Pay the loan installments on time to prevent incurring late installment expenses and late interest.
  • Ensure the moneylender issues to you a dated and signed receipt each time you repay your loan or pay any fees in cash, and check it for preciseness(e.g. name, amount, date).
  • Ensure you receive a statement of account for all your loan at least once every 6 months, and check it for preciseness(e.g. name, amount, date); and
  • You should keep all statement of accounts and receipts of payments, as documentation and confirmation of payments.
  • In fact, you can contact the Ministry of Law at telephone number: 1800-2255-529 or at e-mail address: OneMinLaw@mlaw.gov.sg.
  • Be at ease that the Ministry of Law will not disclose your details to the moneylender without your agree. To ease of the Registry to investigate your complaint, you may need to meeting with our officers. And then provide them with all relevant information and documents related to your loan transactions and situation of your dealings with the moneylender. The Ministry of Law sees grumblings against moneylenders genuinely and will explore them completely. Errant moneylenders will be reprimand.
  • In case, a moneylender has give an unfair practice towards you, you can seek the matter through the Small Claims Tribunal or the Court under the Consumer Protection (Fair Trading) Act. The Court also able to set aside loan transactions that are extreme or considerably unjustifiable.