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1st Capital Review

1st Capital Review
(Product Review)

By Dawn Chew 1st Capital 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

1st Capital is a licensed money lender in Singapore, offering fast and flexible loan options for personal and business needs. Whether you need urgent cash for personal expenses or funds to support your business growth, 1st Capital ensures a smooth application process with quick approval times and competitive interest rates starting from 1% per month.

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
Prosper Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
UK Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
Winz Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,060.58
Check Eligibility
101 Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,060.58
Check Eligibility
118 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
Credit Assist
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
1 Cash
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
Show All Lenders

*Today's Moneylenders Rates - 23 December 2025

With a customer-centric approach and flexible repayment plans, 1st Capital makes borrowing easier and more accessible for all income levels. Their transparent service ensures no hidden charges, making it one of the most trusted money lenders in Singapore.

1st Capital Application Requirements

To apply for a loan with 1st Capital, applicants must meet the following criteria:

Eligibility Criteria:

  • Be at least 18 years old.
  • Be employed or have a stable income.
  • Be a Singapore Citizen, Permanent Resident, or hold a valid work pass (e.g., Employment Pass, S Pass, Work Permit).

Documents Required:
For Singapore Citizens and Permanent Residents:

  • NRIC
  • Proof of income (e.g., payslips, CPF statements)
  • Proof of residence (e.g., utility bill or tenancy agreement)

For Foreign Workers:

  • Work pass (Employment Pass, S Pass, Work Permit)
  • Passport
  • Proof of income (e.g., payslips, employment letter)
  • Proof of residence (e.g., utility bill, tenancy agreement)

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.

1st Capital Highlights

  • Fast Loan Approval

    Quick response time, with approval within 1 hour on working days.

  • Flexible Loan Options

    Personal, business, and foreigner loans available with flexible repayment plans.

  • Confidential Service

    Your personal information is safeguarded, ensuring a secure borrowing experience.

  • Competitive Rates

    Low interest rates starting from 1% per month with no hidden charges.

  • Licensed and Legal

    Fully licensed by the Registry of Moneylenders (License 4/2020).

  • Transparent Service

    Clear repayment terms, ensuring no hidden fees.

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Frequently Asked Questions

Is 1st Capital a licensed moneylender?

Yes, 1st Capital is fully licensed by the Registry of Moneylenders in Singapore, ensuring all loans are legally regulated and transparent.

How quickly can I get my loan approved?

Loan approval typically happens within 1 hour on working days, allowing you to receive funds quickly for urgent needs.

What types of loans does 1st Capital offer?

1st Capital offers personal loans, business loans, and foreigner loans with flexible terms tailored to your financial situation.

What documents are required to apply for a loan?

You will need proof of identity, proof of income, and proof of residence. Foreign workers also need a valid work pass and passport.

Can I apply for a loan if I am a foreigner in Singapore?

Yes, 1st Capital offers loans to foreigners working in Singapore with a valid work pass.

External Reviews

MoneylenderReview

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