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Credible Review

Credible Review
(Product Review)

By Dawn Chew Credible Review

Updated December 23, 2025

Launch Application

2 - 4%

Monthly Interest Rate

Up to $100

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

    Check Eligibility

    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

    Credible.sg is not a lender but a loan centralisation platform that connects borrowers with vetted and licensed financial institutions in Singapore. By equipping its lending partners with proprietary credit technology, Credible aims to ensure a safe, transparent, and fair borrowing experience for its users.

    While the platform simplifies the loan application process through a single interface, its relatively narrow lender network may limit the range of offers, making it less competitive compared to broader marketplaces.

    Relevant Google Reviews

    Credible is a financial planning platform that helps Singaporeans make better financial decisions. Below are reviews from their community.

    Google Review Icon
    4.9
    fill fill fill fill fill
    Bommie florence
    fill empty empty empty empty
    "stupid apps i apply x4 time but rejected .i preferred lendela n lending pot the best"

    Additionally, Credible delivers customised loan offers based on each user’s unique financial profile, guaranteeing that clients receive the best conditions. Furthermore, Credible’s openness and absence of hidden costs offer borrowers comfort.


    List of Licensed Moneylenders in Singapore (December 2025)

    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
    Raffles Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    118 Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Best Licensed Moneylender
    Address
    1.88%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $938.64
    Check Eligibility
    Creditmaster
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Alpha-8 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
    KST Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Valuemax
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.6  
    $1,060.58
    Check Eligibility
    HS 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

    Credible Application Requirements

    To apply through Credible.sg, you must:

    Be at least 21 years old
    Applicants must be legal adults under Singapore law.

    Hold a valid Singapore NRIC or FIN
    Only Singaporeans, PRs, and eligible foreigners with valid identification can apply.

    Be currently employed or have a stable source of income
    Proof of income may be required by our partner lenders to assess loan eligibility.

    Provide supporting documents
    This includes:

    • NRIC/Work Pass copy
    • Latest payslip or income documents
    • Proof of address (e.g., utility bill)

    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.

    Credible Highlights

    • Vetted lenders only

      Every lender in our network undergoes a strict screening process to ensure trustworthiness and fairness.

    • Transparent pricing

      All lenders follow our proprietary credit engine that prioritizes fair and clear pricing.

    • Licensed and regulated

      We partner only with licensed money lenders approved by Singapore’s Ministry of Law.

    • Customer-first approach

      We care about both the loan you receive and the experience you have throughout the process.

    • Smart matching

      Our platform connects you with lenders that best suit your financial needs and values.

    • Safe and secure

      Your data is protected, and your borrowing journey is built on integrity and transparency.

    Calculate My Results

    Frequently Asked Questions

    Is Credible.sg a lender?

    No, Credible.sg is not a lender. They are a loan centralisation platform that connects borrowers with vetted and licensed money lenders in Singapore. Their role is to streamline the borrowing process and ensure users have a safe and fair experience through their proprietary credit technology.

    Does Credible.sg need a license to operate?

    No, they do not require a license because they are not a licensed money lender. However, all of their partner lenders are licensed by Singapore’s Ministry of Law and are regularly audited to ensure compliance with regulatory standards.

    What makes Credible.sg different from other platforms?

    Unlike other platforms, they care about more than just the loan, they care about the experience. Every lender in their network is rigorously vetted for trustworthiness, fairness, and customer satisfaction. Their credit engine ensures all pricing is fair and transparent, matching users with lenders who not only offer competitive rates but also value integrity.

    Is my personal and financial information safe with Credible.sg?

    Yes. Protecting user data is their top priority. They use advanced encryption and strict security protocols to ensure that personal and financial information is protected at every step. Information is only shared with trusted, licensed lenders as part of the application process.

    Can I apply for a loan if my credit history isn’t perfect?

    Absolutely. Their network includes lenders who specialize in supporting borrowers with a wide range of credit backgrounds. Their credit engine works to match users with fair and appropriate loan offers based on individual profiles.