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Credit 21 Review

Credit 21 Moneylender
(Product Review)

By Dawn Chew Credit 21 Review

Updated December 23, 2025

Launch Application

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

    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

    At Credit 21, borrowers will get quick and reliable financial solutions at one of the lowest interest rates among licensed moneylenders in Singapore. Credit 21 prides itself on a hassle-free loan application process and 24-hour loan processing services.

    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

    The company has tailored financing solutions, including personal, business, renovation, and payday loans. Its customer-centric approach puts transparency, fairness, and convenience first, making it a preferred choice for borrowers needing quick and efficient financial assistance. Credit 21 prides itself on transparency and fairness, allowing clients to apply for with discretion simply online.

    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
    1AP Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Sincere Moneylender
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    1 Cash
    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
    R2D Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Quickloan
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    GS Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Sumo Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Vera Capital
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.6  
    $1,060.58
    Check Eligibility
    SG Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.0  
    $1,060.58
    Check Eligibility
    Show All Lenders

    *Today's Moneylenders Rates - 23 December 2025

    Credit 21 Moneylender Application Requirements

    To apply for a loan through Credit 21, you need to:

    • Be at least 21 years old
    • Have a valid NRIC, Passport, or Foreign Identification Card (FIN)
    • Provide proof of income (e.g., payslips, CPF statements, or bank statements)

    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.

    Credit 21 Moneylender Highlights

    • Low Interest Rates

      Moneylender with one of the lowest interest rates for loans in Singapore.

    • Quick Cash

      Fast loan processing with approval within hours.

    • Easy Eligibility

      The company looks at loan eligibility based on current income, not credit history.

    • Customer-Centric Service

      Personalised service with flexible repayment plans.

    • Secure and Confidential

      Ensures privacy and security of personal information.

    • Transparent Terms

      No hidden costs or charges, straightforward loan terms for peace of mind.

    Personal Loan Calculator

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    Frequently Asked Questions

    How is Credit 21 operated?

    Credit 21 offers a streamlined loan application process through its website and physical locations, focusing on quick approvals and transparent service.

    What kinds of loans can you find at Credit 21?

    Potential borrowers can obtain personal, business, renovation, payday, and foreigner loans.

    What is the duration required to obtain a loan approval?

    Loan approvals can be completed within a few hours to one business day.

    Is Credit 21 a licensed moneylender?

    Yes, Credit 21 is a licensed moneylender regulated by the Ministry of Law in Singapore.

    What documents are required to apply for a loan?

    Applicants must provide a valid ID (NRIC/Passport/Foreign ID) and proof of income (payslips, CPF statements, or bank statements).

    If you’re a foreigner, what income do you need to take a personal loan from a bank in Singapore?

    If you're a foreigner, you'll need an annual income of at least S$40,000 to S$60,000 to take a personal loan from a bank in Singapore. However, at Credit 21, even if you have an annual income of less than S$10,000, you can still borrow up to S$3,000.

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