Find Urgent Cash Loans In Singapore Today (May 2025)

5 Minutes Approval & Up to 1% Cashback*

$1,000

$200,000

3 Months

72 Months

Your monthly payment

337

Rate Disclaimer*

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

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Master All Your Loan Moves


ROSHI brings trust, wisdom and rewards to your borrowing journey.
Our name, inspired by "Rōshi" (老師 / ろうし), meaning "old master" in Japanese (Lǎoshī in Chinese), reflects our commitment to helping our customers master their loan moves with wisdom and confidence.

Updated May 14, 2025

Emergency Loans are complicated.
We make them simple.

Need Urgent Cash Loan Today?

ROSHI offers a fast solution for Singaporeans seeking urgent financial assistance. Our platform connects borrowers directly with banks and licensed moneylenders, processing applications within the same day. Approvals can happen in as little as 20 minutes, with cash disbursement possible in 30 minutes after approval.

The application process requires minimal documentation, enabling requests to be submitted in minutes. This quick process ensures that emergency cash needs can be solved quickly. While ROSHI facilitates fast access to urgent cash loans, borrowers are encouraged to carefully consider their repayment capabilities and review loan terms before accepting any offer.

Emergency Legal Loan Provider

ROSHI exclusively partners with licensed moneylenders and banks registered with the Ministry of Law or the Monetary Authority of Singapore. This ensures all loans offered through our platform comply with Singapore's strict lending regulations addressing common legal concerns about emergency borrowing.

Our vetted partners are subject to legal interest rate caps and loan amount limits, providing borrowers with protection against predatory lending practices. The application process adheres to all legal requirements for proper documentation and identity verification while maintaining client confidentiality. ROSHI does not engage with loan sharks, unlicensed moneylenders, or unregulated private lenders.

Apply without Documents

On ROSHI you can apply without documents by completing a quick 30-second multi-step questionnaire. This streamlined process allows borrowers to receive pre-approved loan options in minutes offering a fast solution for borrowers seeking urgent financial assistance.

Our AI enabled platform processes applications quickly connecting borrowers with multiple licensed moneylenders and banks. While the initial application requires no documents, uploading them is advisable. Most lenders offer better terms and higher approval rates for applications supported by proper documentation.

Quick Emergency Loan Approvals

ROSHI connects borrowers with licensed moneylenders and banks offering rapid emergency loan approvals. Our streamlined process allows for initial approvals in as little as 20 minutes. This is made possible by ROSHI's advanced AI enabled platform which efficiently processes applications and matches borrowers with suitable lenders.

Many of ROSHI's lending partners offer same-day approvals with some capable of disbursing cash in as little as 30 minutes after final approval. This quick turnaround ensures that borrowers can access emergency funds when they need them most. All loans offered through ROSHI adhere to Singapore's lending laws providing borrowers with quick access to legal and regulated financial solutions in times of urgent need.

EMERGENCY LOAN CALCULATOR
Calculate your repayments

Loan Amount
34

$1,000

$200,000

Term
3

3 Months

48 Months

Monthly Interest
Your Monthly repayment will be
$9,700.88
Total Repayment

$58,200.00

Total Interest

$13,200.00

List of Emergency Cash Providers in Singapore (May 2025)

Moneylender Max. Loan Amount
(Singaporeans)
Max. Loan Amount
(Foreigners)
Monthly Interest Rate Google Reviews ROSHI Approved
  • ROSHI partners exclusively with carefully vetted licensed moneylenders who meet our rigorous quality standards. The ROSHI approval check mark indicates that a moneylender has successfully passed our comprehensive evaluation
  • Best Licensed Moneylender 6 times monthly income 6 times monthly income 1-4% 5.0
    Orange Credit 6 times monthly income 6 times monthly income 1-4% 5.0
    1 2 Lend 6 times monthly income 6 times monthly income 1-4% 5.0
    EZ Loan 6 times monthly income 6 times monthly income 1-4% 5.0
    1 Fullerton Credit 6 times monthly income 6 times monthly income 1-4% 5.0
    1st Credit SG 6 times monthly income 6 times monthly income 1-4% 5.0
    365 Credit Solutions 6 times monthly income 6 times monthly income 1-4% 5.0
    Quick Credit 6 times monthly income 6 times monthly income 1-4% 5.0
    Raffles Credit 6 times monthly income 6 times monthly income 1-4% 5.0
    1 Cash 6 times monthly income 6 times monthly income 1-4% 5.0
    Close More Moneylenders

    *Today's Moneylenders Rates - 14 May 2025

    EMERGENCY LOAN APPLICATION PROCESS

    How to apply for an emergency loan in Singapore?

    step-image
    Quick Online Application
    Applying for an emergency loan with ROSHI is quick and easy.Our online form takes just 30 seconds to complete.

    Our advanced systems and knowledgeable team work to match you with suitable lenders and expedite your approval process.
    Apply Now
    step-image
    Provide Required Documents
    Submit your last 3 pay slips, a credit report from CBS/MLCB and your IC/FIN details.

    Upload files easily via your application dashboard or email them to us at [email protected].
    step-image
    Screening Period
    Our customer success team will review your application and follow up if more information is required.

    After your details are verified, we'll start matching you to suitable lenders and loan options.
    step-image
    Explore Loan Options
    Your application dashboard allows you to conveniently review and compare loan offers in real-time.

    Additionally, our customer success team is happy to discuss details with you, enabling you to make an informed decision.
    step-image
    In-Person Appointment
    Once you've selected a loan option, we'll assist in scheduling an appointment with the moneylender.

    If you choose a moneylender, the assessment and disbursement processes must be completed in-person at their branch.
    step-image
    Finalising the Loan Agreement
    After the loan details are agreed upon and the contract is signed, you'll receive a copy of the agreement.

    The agreement will detail your monthly payment schedule and your funds will be disbursed via cash or bank transfer.
    • Overview

    • Emergency Loans Basic

    • Tips & Hints

    • FAQ

    Emergency Cash Loans in Singapore

    Emergency cash loans offer a fast solution for borrowers in Singapore who require urgent access to cash due to an unexpected expense or financial hardship. Also known as instant loans, these small unsecured loans ranging from $500 to $2,000 can be approved rapidly, often within the same day of application.

    As they do not require collateral, emergency loans carry higher interest rates to account for the increased risk to lenders. Repayment terms run from 1 to 6 months, allowing borrowers to repay the funds quickly once their financial situation stabilizes.

    Emergency loans are suitable for covering pressing needs such as sudden medical bills, critical home repairs, family & friends repayments, and other unanticipated costs. The quick approval process enables urgent access to funds when in need.

    Emergency Cash Loans in Singapore

    Emergency cash loans serve as a fast solution for borrowers facing urgent, unanticipated expenses. These small, short-term loans allow access to funds quickly without requiring collateral.

    Benefits of Emergency Cash Loans
    Fast Approval
    Emergency loans can be approved within 24 hours due to minimal eligibility requirements.e.
    Quick Disbursement
    Approved funds are deposited directly into your account, often within 1 day.
    No Collateral Needed
    These unsecured loans do not require any assets or guarantors..
    Covers Unexpected Costs
    The cash can pay for sudden expenses like medical bills, car repairs, etc.ntors..
    Factors to Compare Between Lenders

    When researching emergency loan providers, key factors to compare include:

    Loan Amounts
    Some providers offer small loans from $500 up to $5,000. Assess loan sizes against your specific funding needs.
    Interest Rates
    Emergency loan rates are generally higher than other loan types. Compare rates across multiple lenders.
    Repayment Term
    Emergency loans usually have 1 to 6 month terms. Ensure the term aligns with your repayment capabilities.
    Disbursement Speed
    The fastest options can deposit approved funds within 24 hours. This enables urgent access to cash.
    Fees
    Some lenders may charge administrative or late payment fees. Factor all costs into your decision.
    Eligibility Requirements

    Most emergency cash loans have straightforward eligibility:

    • • Singapore citizens/PRs over 21 years old
    • • Employed with stable income
    • • Income documents like recent payslips
    • • Valid ID like NRIC
    How to Get an Emergency Cash Loan
    • • Research lenders and compare loan options
    • • Gather required documents like ID, payslips
    • • Complete a quick online application form
    • • Get rapid approval decision
    • • Receive loan funds directly in your bank account

    Opting for an emergency cash loan when facing a dire, unexpected situation can provide rapid financial relief. Compare multiple options to find the lowest interest rates and favourable repayment terms.

    Shop Around

    Compare interest rates and terms across multiple lenders to find the best deal. Rates can vary widely.

    Borrow Only What You Need

    Take out the minimum amount required to cover your emergency expense. Don’t take unnecessary debt.

    Check Repayment Term

    Emergency loans typically have short 1-6 month repayment terms. Ensure you can repay on time.

    Read the Fine Print

    Look for any hidden fees or prepayment penalties not disclosed upfront.

    Boost Your Approval Odds

    Having income documents, a solid credit history, and low existing debt can help secure approval.

    Don’t Miss Repayments

    Set up autopayment of the monthly instalments so you wont be charged for late repayments.

    Avoid borrowing from illegal or unlicensed moneylenders who may charge exorbitant rates.

    Have a plan to repay and build savings to avoid needing future emergency loans.

    How fast can I get approved for an emergency cash loan?

    Most lenders can approve emergency loans within 24 hours given you meet the basic eligibility criteria. The fastest provide approval in just 1 hour.

    What documents do I need to apply?

    You’ll need your NRIC/FIN, recent payslips, employment documents, and proof of address. Some lenders may request additional documents.

    What are the interest rates like for emergency loans?

    Interest rates are generally quite high, often 18% to 28% APR. This compensates lenders for the risk and quick financing.

    How much can I borrow with an emergency cash loan?

    Loan amounts range from $500 up to $5,000 in most cases. Apply for the specific amount you need, not the maximum.

    How long do I have to repay an emergency cash loan?

    Repayment terms are short, usually between 1 to 6 months. This allows you to repay the loan quickly.

    Types of Personal Loans

    Don’t be a fool
    馬鹿なことはやめろ
    Borrow Wisely

    Mastering your loan moves starts with understanding the real cost of borrowing. We believe in empowering you with the right knowledge to make smart financial choices, not quick fixes that lead to debt traps. Our commitment is helping you borrow wisely and stay in control of your money. 

    Read Our Borrowing Guide
    Borrowing Wisdom Collection

    .Don't be a fool! #roshi #singapore #lending #borrowing

    Trust the original! #roshi #singapore #lending #borrowing

    .Don't be a fool! #roshi #singapore #lending #borrowing

    Trust the original! #roshi #singapore #lending #borrowing

    .Don't be a fool! #roshi #singapore #lending #borrowing

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