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ot credit review

OT Credit Review
(Product Review)

By Dawn Chew ot credit review

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%

OT 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

OT Credit is a well-known licensed moneylender in Singapore that is dedicated to providing relevant and transparent financial solutions. With a commitment to assisting individuals in overcoming short-term cash flow challenges, OT Credit provides a range of services in personal loans, payday loans, and business loans. Borrowers can enjoy an easy application process and flexible repayment plans at relatively affordable interest rates. OT Credit is compliant with regulatory requirements of the Ministry of Law, which guarantees safe and reliable lending practices.

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
KST Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
SU Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
JNB Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,060.58
Check Eligibility
JR Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.0  
$1,060.58
Check Eligibility
Unlimited Finance
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.8  
$1,060.58
Check Eligibility
96BM Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
Accredit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
Sands Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.6  
$1,060.58
Check Eligibility
118 Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,060.58
Check Eligibility
Advance Cash Credit
Address
3%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,004.62
Check Eligibility
Show All Lenders

*Today's Moneylenders Rates - 23 December 2025

OT Credit Application Requirements

Applying for a loan at OT Credit is straightforward. To qualify, applicants must meet the following criteria:

  • Be between 18 and 65 years old at the time of application.
  • Have a stable source of income.

Documents Required:

  • Proof of Identification: NRIC (for Singapore Citizens and Permanent Residents).
  • Income Proof: Copies of salary slips for the past three months or equivalent documentation showing a stable income.
  • Proof of Residence: Utility bills, tenancy agreements, or other documents verifying your residential address.
  • Credit Bureau Report (CBS Report): A recent copy of your credit report.

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.

OT Credit Highlights

  • Quick Loan Approval

    Speedy approval process, sometimes within hours, to address dire financial situations.

  • Tailor-made loan packages

    Flexibility in the loan plan for divergent financial situations and varying repayment capacities.

  • Fair and Transparent Practices

    Clear terms with no hidden charges ensure peace of mind for our borrowers.

  • Licensed Moneylender

    Licensed by the Ministry of Law and is, therefore, expected to meet Singapore’s legal standards.

  • Diverse Loan Options

    Offers personal loans, payday loans, business loans, and more to cater to a wide range of needs.

Calculate My Results

Is OT Credit a licensed moneylender?

Yes, OT Credit is fully licensed by the Ministry of Law in Singapore and has satisfied all the requirements as such.

What kinds of loans are given by OT Credit?

OT Credit gives personal loans, payday loans, business loans, and many other financial products to suit different purposes.

How long does it take to get the loan approved?

Loan applications are usually approved within hours for faster access to funds.

What are the documents required to apply for a loan?

For Singaporeans and Permanent Residents, their NRIC, recent payslips, and CPF or tax documents are required. Foreigners are required to produce a valid passport, work pass, and proof of residence.

Can I apply online for a loan?

Yes, OT Credit has an online application form for a hassle-free and fast submission.