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GS Credit Review

GS Credit Moneylender
(Product Review)

By Dawn Chew GS 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%

    Product Review

    GS Credit is a leading licensed moneylender in Singapore, offering fast and flexible financial solutions.

    Conveniently located near Clementi MRT Station, GS Credit provides a variety of loan products, including personal, business, foreigner, debt consolidation, wedding, home renovation and medical loans. Known for their quick approval process, competitive interest rates and transparent terms, this reputable licensed moneylender focuses on customer satisfaction.

    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

    Their professional loan officers are available to guide borrowers through the simple and efficient online application process, ensuring that financial assistance is accessible to everyone.

    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
    Fast Money
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.5  
    $1,060.58
    Check Eligibility
    Cash Mart
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Platinum Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.8  
    $1,060.58
    Check Eligibility
    Katong Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    R2D 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
    1AP Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    BST Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Capital Funds Investments
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Majestic Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.5  
    $1,060.58
    Check Eligibility
    Show All Lenders

    *Today's Moneylenders Rates - 1 January 2026

    GS Credit Moneylender Application Requirements

    To apply for a loan through GS Credit, 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.

    GS Credit Moneylender Highlights

    • Rapid Approval

      Fast loan processing and approvals. It can take as quick as one hour.

    • Diverse Loan Options

      You can expect different loan products tailored for various financial needs.

    • Competitive Rates

      One of the lowest interest rates in Singapore.

    • Simple Application

      Easy online application process with minimal paperwork.

    • Immediate Disbursement

      Quick disbursement once the loan is approved.

    • Customer-Focused Service

      Professional loan officers are on hand to provide expert guidance.

    Frequently Asked Questions

    How does GS Credit operate?

    GS Credit offers a streamlined loan application process through their website, focusing on fast approvals and customer satisfaction. Their professional loan officers are available to assist and guide borrowers through the process.

    What types of loans does GS Credit offer?

    Borrowers can apply for personal loans, business loans, foreigner loans, debt consolidation loans, wedding loans, home renovation loans and medical loans.

    How long does it take to get a loan approved?

    At GS credit, borrowers can obtain loan approval within one hour, up to to one business day.

    Is GS Credit a licensed moneylender?

    Yes, GS Credit 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 or 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 to have 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 GS Credit, even if you have an annual income of less than S$10,000, you can still borrow up to S$3,000.

    EXTERNAL REVIEWS

    Moneylender Review

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