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i-Credit Review
(Product Review)

By Dawn Chew i-credit

Updated December 23, 2025

Launch Application
6 times monthly income

Max. Loan Amount (Singaporeans)

6 times monthly income

Max. Loan Amount (Foreigners)

1 – 4%

Monthly Interest Rate

Current Moneylender Interest Rate Trends

Today’s moneylender interest rate trends in Singapore – As of Tuesday, December 23rd, 2025, moneylenders in Singapore are charging an average monthly interest rate of 3.78%

i-Credit Product Review

Compare Loan Offers
from 20+ Lenders
Up to 1% Cashback*
$20 Grocery Voucher*
Quick 5 Minutes Approval

$1,000

$200,000

3 Months

72 Months

Total Cashback

10

Your monthly payment

337

Rate Disclaimer*

*Based on a $20,000 loan at 6.95% APR over 5 years, read more

I-Credit is a licensed moneylender in Aljunied, Singapore, offering reliable and transparent financial solutions for all kinds of needs. Since 2010, over 20,000 borrowers have trusted I-Credit in its commitment to personalized service, fast approvals, and straightforward loan processes. With loan options to cater to different financial situations, such as NSF loans, unemployed loans, and debt consolidation, I-Credit is committed to helping clients achieve financial stability with confidence. The flexible terms of repayments and competitive interest rates have made borrowing easy, safe, and accessible.

List of Reputable Licensed Moneylenders in Singapore (December 2025)

Loan amount must be between 500 and 100,000.
Tenure must be between 1 and 60 months.
All
All
ROSHI Approved
Low to High
Low to High
High to Low
I Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
OT Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,060.58
Check Eligibility
Credit 21
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.8  
$1,060.58
Check Eligibility
Swift Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,060.58
Check Eligibility
1 Fullerton Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
Katong Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,060.58
Check Eligibility
Vera Capital
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.6  
$1,060.58
Check Eligibility
Bugis Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,060.58
Check Eligibility
1st Capital
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.7  
$1,060.58
Check Eligibility
Crawfort
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.8  
$1,060.58
Check Eligibility
Show All Lenders

*Today's Moneylenders Rates - 23 December 2025

I-Credit Application Requirements

To apply for a loan with I-Credit, applicants need to meet the following criteria:

  • Be at least 18 years old.
  • Be a Singapore Citizen, Permanent Resident, or foreigner with a valid work pass or employment permit.

Documents Required:

  • NRIC or passport.
  • Proof of residence (e.g., utility bill or tenancy agreement).
  • Proof of employment or income (e.g., payslips or CPF statements).

PROMOTIONS

APPLICATION PROCESS

  • Apply & Submit

    Start your loan application journey with our quick online application multistep form—it takes just 30 seconds to complete. Our advanced technology and expert loan specialists work together to match you with suitable options on our platform

  • Document Upload

    Provide the necessary documents: your last 3 pay slips, a credit report from CBS or MLCB, and your IC/FIN details. Upload these files through your dashboard or email them to [email protected]

  • Application Review

    Our dedicated customer success team will carefully examine your application, contacting you if any additional information is required. Once we’ve verified your details, we’ll begin the process of matching you with appropriate lenders and loan options.

  • Compare Offers

    Compare loan offers in real-time through your application dashboard. Our customer success team is available to discuss loan details.

  • Lender Appointment

    After you’ve selected a loan option, we’ll assist in arranging an appointment with the chosen moneylender. Note that for moneylender options, assessment and disbursement must be completed in person at their branch.

  • Funds Disbursement

    Once you’ve agreed on the loan terms and signed the contract, you’ll receive a copy of the agreement. This document will outline your monthly payment schedule. Your funds will then be disbursed either in cash or via bank transfer.

I-Credit Highlights

  • Licensed and Trusted Provider

    Fully accredited and regulated under Singapore’s Ministry of Law.

  • Fast Approval Process

    Most loans are approved within an hour, offering quick access to funds.

  • Transparent Loan Terms

    Clear and straightforward terms with no hidden fees.

  • Flexible Loan Options

    Wide range of loans, including NSF loans, unemployed loans, and debt consolidation.

  • Customer-Focused Service

    Tailored loan solutions to meet your unique financial situation.

Calculate My Results

Frequently Asked Questions

Is I-Credit licensed under the Ministry of Law, Singapore?

Yes, I-Credit is a fully licensed moneylender and complies with all legal standards put across by the government of Singapore.

What kind of loans does I-Credit offer?

I-Credit offers a wide variety of loans that range from NSF loans, unemployed loans, bankrupt loans, and debt consolidation loans, among others.

What are the requirements needed for a loan application?

Applicants must provide an NRIC or passport, proof of residence, and proof of income in the form of payslips or CPF contributions.

How quickly can I have my loan approved?

Most loan applications take about an hour to get processed and approved so you can have your funds right away.

Where is the location of I-Credit?

I-Credit has a location at 810 Geylang Road, Singapore 409286. Businesses operate from Monday to Saturday at 11:30 am to 7:30 pm.