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Accredit

Accredit Moneylender Review
(Product Review)

By Dawn Chew Accredit

Updated January 1, 2026

The product information in the comparison table is updated daily. We also update the news, consumer information and market insights on this page regularly.

3.92%

Monthly Interest Rate

Cashback Rewards

Price Beat Guarantee

Varies
  • Monthly repayment shown uses an indicative rate of 3.92% per month. Depending on your lender, actual rates may range from 0.25-4% per month.

    • Processing Fee

    Up to 6x

    Monthly Income

    $288.67
  • Monthly repayment shown uses an indicative rate of 3.92% per month. Depending on your lender, actual rates may range from 0.25-4% per month.

    • Monthly Repayment

    Apply Now

    Current Moneylender Interest Rate Trends

    Today’s moneylender interest rate trends in Singapore – As of Thursday, January 1st, 2026, moneylenders in Singapore are charging an average monthly interest rate of 3.90%

    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

    Accredit Pte Limited is a licensed money lender in Singapore, recognized for its sustainable model focused on consumer protection. As an awardee of the Pilot Program by the Ministry of Law, Accredit has established itself as a trustworthy provider of financial solutions, including personal loans, payday loans and business loans. With over 20 years of experience, the company offers fast approvals and flexible repayment options, catering to the diverse needs of borrowers. Their commitment to transparency and customer-centric services has earned them over 2,500 five-star Google reviews.

    List of Licensed Moneylenders in Singapore (January 2026)

    All moneylenders listed below are authorised to operate legally in Singapore under the Moneylenders Act. They adhere to strict regulations set by the Ministry of Law including caps on interest rates, fees and ethical lending practices. Always verify a moneylender's license on the Ministry of Law's official website before proceeding with any loan application.

    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
    Soon Seng Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Majestic Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.5  
    $1,060.58
    Check Eligibility
    Max Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.1  
    $1,060.58
    Check Eligibility
    Credit Assist
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Capital Funds Investments
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Winz Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Dio Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Kaiiron
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.8  
    $1,060.58
    Check Eligibility
    Magnus Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.8  
    $1,060.58
    Check Eligibility
    Show All Lenders

    *Today's Moneylenders Rates - 1 January 2026

    118 Credit Application Requirements

    Applying for a loan at Accredit Pte Limited is straightforward and hassle-free. To qualify, applicants must meet the following requirements:

    Eligibility Criteria:

    • Must be at least 18 years old.
    • Must be a Singapore Citizen, Permanent Resident or foreigner with a valid work pass.

    Documents Required:

    For Singapore Citizens and Permanent Residents:

    • NRIC.
    • Proof of income (e.g., CPF statements).

    For Foreigners:

    • Passport.
    • Employment Pass.
    • Proof of address (e.g., utility bill, tenancy agreement).
    • Latest payslips.

    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.

    Accredit Highlights

    • Fast Approvals

      Accredit ensures swift loan approvals, often within 24 hours, allowing borrowers quick access to funds.

    • Flexible Loan Options

      Offers a range of loan products, including personal loans, payday loans and business loans, tailored to individual financial needs.

    • Transparent Terms

      Committed to clear and straightforward loan terms with no hidden fees, ensuring borrowers understand their obligations.

    • Licensed and Trusted

      Fully licensed by Singapore’s Ministry of Law, adhering to all regulatory guidelines to ensure responsible lending.

    • Convenient Locations

      Branches are strategically located across Singapore in Yishun, Tampines, Hougang and Jurong for easy accessibility.

    Frequently Asked Questions

    How can I apply for a loan with Accredit Pte Limited?

    You can apply online through their user-friendly portal or visit any of their four branch locations. The application process is straightforward and approvals can be as quick as 24 hours.

    What loan amounts does Accredit offer?

    Accredit provides loans ranging from S$500 to S$20,000, depending on your financial situation and repayment capacity.

    Are there any hidden fees associated with Accredit's loans?

    No, Accredit emphasizes transparency, ensuring there are no hidden fees or confusing terms in their loan agreements.

    Can I apply for a loan if I have a low credit score?

    Yes, Accredit assesses applications based on current financial stability and repayment ability, considering factors beyond just credit scores.

    What interest rates does Accredit charge?

    While the Ministry of Law caps interest rates for licensed moneylenders at 4% per month, Accredit offers competitive rates tailored to individual needs.