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BST Credit Review

BST Credit Review
(Product Review)

By Dawn Chew BST 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%

BST Credit 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

BST Credit is a licensed moneylender in Singapore, reputed for providing quick, easy, and accessible financial solutions to individuals and businesses. Customer-oriented services are the foundation of BST Credit, which specializes in providing various loan options such as personal loans, payday loans, and business loans. It is well known for transparency in its terms and flexibility in repayment plans, whereby each borrower is accorded personal assistance tailored to his or her financial needs. Fully licensed by the Ministry of Law, BST Credit promises a safe and reliable lending experience.

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
GS 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
1st Capital
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.7  
$1,060.58
Check Eligibility
SG Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.0  
$1,060.58
Check Eligibility
118 Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,060.58
Check Eligibility
Synergy Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
MoneyPlus Capital
Address
2.89%
Grocery Vouchers
Up to 1% Cashback
5.0  
$998.04
Check Eligibility
Horison Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,060.58
Check Eligibility
Hup Hoe Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
1133 Moneylenders
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

BST Credit Application Requirements

To be eligible for BST Credit in Singapore, you must meet the following criteria:

  • Be at least 21 years old at the time of application.
  • Be a Singapore Citizen or Permanent Resident.

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.

BST Credit Highlights

  • Fast Approval Process

    Get your loan approved in hours to meet urgent financial needs.

  • Flexible Repayment Plans

    Tailor-made repayment terms to suit your financial situation.

  • Transparent Lending

    No hidden fees, clear and concise loan agreements.

  • Trusted and Licensed

    Fully compliant with the Moneylenders Act of Singapore.

  • Diverse Loan Options

    Access personal loans, payday loans, and business financing tailored to your needs.

Calculate My Results

Frequently Asked Questions

Is BST Credit a licensed moneylender?

Yes, BST Credit is a licensed moneylender regulated under the Ministry of Law in Singapore.

What kind of loans can I get from BST Credit?

BST Credit offers personal loans, payday loans, and business loans to meet different financial needs.

How long will my loan take to get approved?

The process of approval is pretty fast, and most applications are finalized in a couple of hours.

What documents do I need to apply for a loan?

For Singapore Citizens and Permanent Residents, NRIC, payslips, CPF, or income tax documents are required; for Foreigners, a passport, work pass, and proof of residence are needed.

Can I apply online?

Yes, BST Credit has an online application system to ensure smooth and hassle-free submissions.