ROSHI matches borrowers with personalized, pre-approved loan offers from multiple banks (home & personal loans) and licensed moneylenders (personal loans) through a single online application, delivering competitive rates directly to borrowers without affecting their credit score.
Unlike sites that list advertised rates, ROSHI provides actual personalized, pre-approved offers based on your unique financial situation. We also offer free personalized customer service throughout your loan journey.
We only partner with MAS-licensed and regulated loan providers, including major banks (home and personal loans) and licensed moneylenders (personal loans) in Singapore.
Our matching model anonymizes your information, sharing only what's necessary for generating offers. Contact details are only shared with your chosen lender after you accept their offer.
Complete a two-minute online application (preferably via Singpass). Our matching engine then finds personalized offers for you from multiple lenders in as little as two minutes.
Standard documents including proof of income (payslips, CPF contribution history), proof of address, and your credit report. Using Singpass streamlines this process.
You'll receive offers within minutes of submitting a complete application. After accepting a bank offer, funds can arrive in as little as 15 minutes. Non-bank providers require in-person identity verification.
Applying to multiple banks directly hurts your credit score. ROSHI lets you safely compare personalized offers from multiple lenders through a single application.
Email [email protected] with "Account Deletion Request" as the subject line. Include your account details and reason for deletion.
To sign in, simply enter your email address on the login page. We'll send a one-time password (OTP) to your email. Enter this code on the verification screen to access your account.
If you haven't received your OTP within a few minutes, please check your spam or junk folder. You can also click "Resend OTP" on the verification screen. If you still don't receive the code, please ensure you've entered the correct email address.
No, for security reasons, your OTP is only valid for a limited time (typically 10-15 minutes). If your OTP expires before you use it, simply request a new one by starting the login process again.
No, each OTP can only be used once. You'll need to request a new OTP each time you want to log in to your account.
Our Cashback Rewards Program offers you money back when you successfully obtain a personal loan through our platform from participating licensed moneylenders.
Only personal loans obtained through our platform from participating licensed moneylenders are eligible. Bank loans are not eligible for the cashback rewards program.
The cashback amount depends on how many times you've used our service: First-time customers: 0.50% cashback Second-time customers: 0.75% cashback Third-time and ongoing customers: 1.00% cashback
To claim your cashback reward, email [email protected] with the following information:
Your full name
Email address
Phone number
Loan amount
Date of loan closure
Name of the licensed moneylender
Cashback transfers typically take 2-6 weeks from the date of your email request. All claims are subject to successful verification of loan closure.
Our Grocery Voucher Program rewards users who have successfully obtained a personal loan through our platform with a S$20 NTUC Grocery Voucher.
To qualify, you must: Have a successful personal loan application through our platform Provide a Google review of your platform experience
After writing your Google review, submit it via: WhatsApp: +65 8025 1363, or Email: [email protected]
Vouchers are typically provided within 2-4 weeks from the receipt of your review. All claims are subject to successful verification of your Google review.
No, rewards cannot be transferred to other individuals.
No, rewards cannot be exchanged for cash (except for the cashback program which is already a cash reward).
No, rewards cannot be combined with other promotions.
Yes, ROSHI reserves the right to modify or terminate the rewards programs at any time.
All reward eligibility decisions made by ROSHI are final.
We aim to reply to your query within three working days.
We don't give loan offers over the phone or via email.
We aim to reply to your query within three working days.
We aim to treat our customers fairly at all times, especially when they are not happy or they feel have cause for complaint.
We aim to reply to your query within three working days.
