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Happy Cash Review

Happy Cash Review
(Product Review)

By Dawn Chew Happy Cash 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

    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

    Happy Cash, a licensed moneylender operating in Singapore, has earned a stellar reputation for offering quick, reliable financial solutions since its establishment in 2010. Recognized and approved by the Ministry of Law, Happy Cash provides tailored loan products designed to meet diverse customer needs.

    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
    Credit Assist
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    SKM Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.4  
    $1,060.58
    Check Eligibility
    Quick Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    ABI Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    1133 Moneylenders
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Sumo Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    MoneyPlus Capital
    Address
    2.89%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $998.04
    Check Eligibility
    RM Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Soon Seng Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Creditmaster
    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

    Whether you’re looking for personal loans, payday loans, or even business financing, Happy Cash is committed to delivering fast approval with minimal paperwork, often processing loans within 15 minutes. This makes it a convenient and accessible choice for those in need of urgent financial support.

    Happy Cash Application Requirements

    To apply for a loan with Happy Cash, you must meet specific eligibility criteria and provide the necessary documents.
    Eligibility Criteria:

    • Minimum age of 21
    • Singapore Citizens, Permanent Residents, S-Pass, and Work Permit holders
    • Currently employed (all income types are welcome)
    • Not applicable to individuals who are undischarged bankrupts or have pending bankruptcy cases

    Documents Required:
    For Personal and Payday Loans:

    • Original NRIC
    • Employment payslips
    • CPF contribution statement
    • Income tax statement
    • Utilities bill or phone bill (Proof of Address)

    For Business Loans:

    • Singapore-registered business or corporation
    • Latest ACRA document
    • NRIC/Passport/work pass for directors, shareholders, or partners
    • Tenancy agreement for the business premise
    • Corporate bank statements
    • Balance sheet and profit & loss statement
    • Company stamp/seal
    • Title deeds or proof of assets (for secured loans)

    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.

    Happy Cash Highlights

    • Fast Approval Process

      Receive loan approval in as little as 15 minutes with minimal paperwork.

    • Tailored Loan Packages

      Choose from personal, payday, and business loans with flexible repayment options.

    • Confidential Service

      Your personal information is safeguarded, ensuring a secure borrowing experience.

    • Licensed and Regulated

      Fully licensed by the Ministry of Law under Singapore’s legal framework, offering transparent services.

    • No Hidden Fees

      Enjoy competitive rates and no hidden charges with clear, easy-to-understand terms.

    Calculate My Results

    Frequently Asked Questions

    What if I have a less-than-perfect credit score? Do I still qualify for a loan?

    Yes, Happy Cash considers credit score as only one factor when evaluating your loan application. A less-than-perfect score does not automatically disqualify you, as they offer loan packages for individuals with diverse financial backgrounds.

    How quickly can I receive my loan approval?

    Loan applications with Happy Cash are processed swiftly, with approval often granted within 15 minutes, ensuring that you get the financial support you need without delay.

    Can I apply for a loan if I already have an existing loan?

    Yes, you are eligible to apply for another loan as long as you have a good repayment track record on your current loan. Happy Cash evaluates each case based on individual circumstances.

    What are the repayment options for my loan?

    Repayment can be made through several convenient methods, including bank transfer, Giro, or by visiting the office for cash payment.

    Are there penalties for early repayment?

    No, there are no penalties for early repayment. In fact, Happy Cash offers an interest rebate for full early redemption, allowing you to save on interest if you repay your loan earlier than planned.

    External Reviews

    Moneylender Review

    Click here