roshi-logo
Login
Loan Marketplace Apply Now
HS Credit Review

HS Credit Review
(Product Review)

By Dawn Chew HS 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%

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

HS Credit, established in 2019, is a licensed money lender in Singapore operating under the Ministry of Law’s Registry of Moneylenders. Renowned for transparent processes, competitive interest rates, and exceptional customer service, HS Credit offers a variety of loan products tailored to meet both personal and business financial needs. Their efficient loan approval system ensures quick access to funds, often within 25 minutes, making them a preferred choice for many borrowers.

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
R2D Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
1AP Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,060.58
Check Eligibility
Abm Creditz Singapore
Address
3.9%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,059.35
Check Eligibility
BST Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,060.58
Check Eligibility
Cash Mart
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
Advance Cash Credit
Address
3%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,004.62
Check Eligibility
1 Cash
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
Katong Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,060.58
Check Eligibility
Sands Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.6  
$1,060.58
Check Eligibility
Show All Lenders

*Today's Moneylenders Rates - 23 December 2025

HS Credit Application Requirements

To apply for a loan with HS Credit, applicants must meet the following criteria:

Eligibility Criteria:

  • At least 21 years old.​
  • Singapore Citizen, Permanent Resident, or foreigner with a valid work pass or employment documentation.

Documents Required:

  • NRIC or passport.​
  • Proof of residency (e.g., utility bill or tenancy agreement).​
  • Employment verification (e.g., payslips, CPF contributions, or an employment letter).​
  • Other financial documents, if required.

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.

HS Credit Highlights

  • Quick Application Process

    Online applications with approvals in as little as 25 minutes.​

  • Tailored Loan Plans

    Flexible repayment options based on your financial capacity.​

  • Transparent Terms

    No hidden fees or complex terms—everything is straightforward.​

  • Multiple Loan Types

    Personal, payday, business, renovation, bad credit, and debt consolidation loans.​

  • Trusted Licensed Provider

    Fully accredited by Singapore’s Ministry of Law.

Calculate My Results

Frequently Asked Questions

How do I apply for a loan with HS Credit?

Fill out the online enquiry form or visit their office. The process is quick and user-friendly, with guidance provided at every step.

What are the repayment terms for loans?

HS Credit offers flexible repayment plans tailored to suit your financial situation, ensuring you can manage repayments comfortably.

Can I apply for a loan without a payslip?

Yes, HS Credit considers other forms of income verification for applicants without traditional payslips.

What types of loans does HS Credit offer?

They offer personal, payday, business, renovation, bad credit, and debt consolidation loans.

Are there any fees for early repayment?

HS Credit encourages early repayments without any penalties or extra charges.

External Reviews

Moneylender Review

Click here