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Credit Excel Capital

Credit Excel Capital Review
(Product Review)

By Dawn Chew Credit Excel Capital

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%

Credit Excel Capital 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

Credit Excel Capital has been a licensed moneylender since 2010 and is recognized for its good reputation. It specializes in providng various loan schemes, including personal cash loans, payday loans, and business loans for SMEs. The company is built around a customer-centric approach; thus, it guarantees a smooth experience in borrowing through fast approval, flexible repayment terms, and transparency in all its processes. Whether you want money for emergencies, business expansion, or short-term financial obligations, Credit Excel Capital is your sure and efficient way.

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
118 Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,060.58
Check Eligibility
Credit Culture
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.6  
$1,060.58
Check Eligibility
SU Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
JR Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.0  
$1,060.58
Check Eligibility
Cashmax Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.6  
$1,060.58
Check Eligibility
101 Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,060.58
Check Eligibility
KST 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
JNB Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,060.58
Check Eligibility
Bugis Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,060.58
Check Eligibility
Show All Lenders

*Today's Moneylenders Rates - 23 December 2025

Credit Excel Capital Application Requirements

Eligibility Criteria
To apply for a loan, applicants must meet the following criteria:

  • Be at least 21 years old.
  • Be a Singapore Citizen or Permanent Resident.
  • Be currently employed.
  • Required Documents

For Salaried and Commission-Based Employees:

  • Identification Card (NRIC).
  • SingPass Login.
  • Proof of billing (any recent bill showing your residential address).
  • Latest 3 months’ original payslips (if there is no CPF contribution).
  • Letter of employment (applicable for new employment).

For Self-Employed Individuals:

  • Identification Card (NRIC).
  • SingPass Login.
  • Notice of Assessment (NOA indicating trade income).
  • ACRA (Accounting and Corporate Regulatory Authority) registration.
  • Proof of billing (any recent bill showing your residential address).

For Taxi Drivers:

  • Identification Card (NRIC).
  • Vocational License.
  • Taxi Pass.
  • Minimum of 7 days’ job summary.
  • Proof of billing (any recent bill showing your residential address).

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.

Credit Excel Capital Highlights

  • Fast and Easy Application

    Loan approvals are typically completed within hours, offering quick access to funds.

  • Wide Range of Loan Products

    Personal loans, payday loans, and SME loans cater to various financial needs.

  • Flexible Repayment Terms

    Customized repayment plans to suit individual financial circumstances.

  • Transparent Services

    Clear and upfront terms with no hidden charges.

  • Experienced Provider

    Over a decade of experience in providing reliable lending services.

Calculate My Results

Frequently Asked Questions

Can I repay my loan early?

Yes, Credit Excel Capital allows early repayment without penalties, helping you save on interest.

What happens if I miss a repayment?

Contact Credit Excel Capital immediately to discuss alternative repayment arrangements or restructuring options.

Can I apply for a loan if I have an existing loan?

Yes, as long as you meet the eligibility criteria and can demonstrate repayment capacity.

Are there any hidden charges?

No, Credit Excel Capital practices full transparency, ensuring all charges are disclosed upfront.

What types of loans does Credit Excel Capital offer?

The company provides personal loans, payday loans, and SME business loans to meet various financial needs.