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Goldstar Credit Review

Goldstar Credit Review
(Product Review)

By Dawn Chew Goldstar Credit Review

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%

    Goldstar 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

    Goldstar Credit is a licensed money lender in Singapore, offering quick and efficient cash solutions for all needs. Boasting a rich history and an excellent customer satisfaction record, Goldstar Credit provides flexible loan options, each tailored to meet specific requirements. Their services range from quick loan approval to highly competitive interest rates and personalized service, making it one of the most reliable sources for personal loans, business loans and more. From covering emergency expenses to financing personal projects or debt consolidation-each of these aspects is easier and more secure with Goldstar Credit.

    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
    Abm Creditz Singapore
    Address
    3.9%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,059.35
    Check Eligibility
    1 Fullerton Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Dio Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Crawfort
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.8  
    $1,060.58
    Check Eligibility
    Jefflee Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.4  
    $1,060.58
    Check Eligibility
    Vera Capital
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.6  
    $1,060.58
    Check Eligibility
    Swift Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    I Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Bugis Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Credit 21
    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

    Goldstar Credit Application Requirements

    Applying for a loan at Goldstar Credit is simple and accessible. Applicants need to meet the following criteria:

    • Be 18 years old or older.
    • Be employed.
    • Be a Singapore Citizen, Permanent Resident or foreign worker.

    Documents Required:

    For Singapore Citizens and Permanent Residents:

    • NRIC
    • Latest 3 months’ payslips
    • CPF Contribution Statements and Notice of Assessment (accessible via SingPass)
      For Foreign Workers:

    Work pass (S-Pass, E-Pass, work permit or other proof of employment)

    • Passport
    • Latest 3 months’ payslips
    • Proof of address (e.g., tenancy agreement, phone bill or other documentation confirming your current address)

    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.

    Goldstar Credit Highlights

    • Fast Loan Approval

      Receive approval within hours for urgent cash needs.

    • Flexible Loan Options

      Choose from personal, business, education and debt consolidation loans.

    • Competitive Rates

      Enjoy low interest rates with no hidden fees.

    • Licensed Moneylender

      Approved and regulated by the Ministry of Law in Singapore.

    • Customer-Centric Service

      Tailored solutions for every unique financial situation.

    Frequently Asked Questions

    Is Goldstar Credit a licensed moneylender?

    Yes, Goldstar Credit is fully licensed and regulated under Singapore's Ministry of Law; hence, all practices must be transparent and legal.

    How soon can I get my loan approved?

    The loan approval normally takes just a few hours, so that one can have money right in time for urgent needs.

    What type of loan does Goldstar Credit provide?

    Loan services include personal loans, business loans, educational loans, renovation loans and debt consolidation loans.

    What to prepare to apply for the loan?

    NRIC or passport, proof of residence, employment documents and all other financial statements needed.

    Do you provide online application availability?

    Yes, the loan application provided by Goldstar Credit is available online; therefore, it facilitates how to apply at home.