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Horison Credit Review

Horison Credit Moneylender
(Product Review)

By Dawn Chew Horison Credit 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

    Horison Credit is a trusted licensed moneylender in Singapore, known for offering quick and efficient financial solutions. They provide various loan products, including personal, business, renovation, wedding, and loans for foreigners.

    Horison Credit is committed to transparency and customer satisfaction, offering fast loan approvals and clear terms without hidden fees. Their customer-centric approach, secure transactions, and convenient online application process through Singpass make them one of the top choices for those seeking reliable financial assistance.

    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

    Additionally, this reputable moneylender offers flexible repayment plans, ensuring that loans are manageable and tailored to individual 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
    Magnus Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.8  
    $1,060.58
    Check Eligibility
    RM Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    365 Credit Solutions
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    JD Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Sands Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.6  
    $1,060.58
    Check Eligibility
    Prosper Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Kaiiron
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.8  
    $1,060.58
    Check Eligibility
    Accredit
    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
    Sincere Moneylender
    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

    Horison Credit Moneylender Application Requirements

    To apply for a loan through Horison 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.

    Horison 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.

    Personal Loan Calculator

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    Frequently Asked Questions

    How does Horison Credit operate?

    Horison Credit offers a streamlined loan application process through their website, focusing on fast approvals and customer satisfaction.

    What types of loans does Horison Credit offer?

    Borrowers can apply for personal loans, business loans, renovation loans, wedding loans, and foreigner loans.

    How long does it take to get a loan approved?

    Loan approvals can be completed within 30 minutes to one business day.

    s Horison Credit a licensed moneylender?

    Yes, Horison 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 Horison Credit, 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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