roshi-logo
Login
Loan Marketplace Apply Now
JNB Credit Review

JNB Credit Review
(Product Review)

By Dawn Chew JNB Credit Review

Updated December 23, 2025

Launch Application
6 times monthly income

Max. Loan Amount (Singaporeans)

6 times monthly income

Max. Loan Amount (Foreigners)

1 – 4%

Monthly Interest Rate

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

Established in 2018, JNB Credit is a licensed moneylender in Singapore dedicated to empowering individuals on their financial journey. Upholding principles of transparency, integrity, and customer satisfaction, JNB Credit offers tailored credit solutions to meet diverse financial needs.

List of Reputable Licensed Moneylenders in Singapore (December 2025)

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
Sumo Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,060.58
Check Eligibility
Cash Mart
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
Fast Money
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.5  
$1,060.58
Check Eligibility
MoneyPlus Capital
Address
2.89%
Grocery Vouchers
Up to 1% Cashback
5.0  
$998.04
Check Eligibility
365 Credit Solutions
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
1133 Moneylenders
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
Cashmax Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.6  
$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
Bugis Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,060.58
Check Eligibility
Show All Lenders

*Today's Moneylenders Rates - 23 December 2025

Their range of services includes personal loans, business loans, and foreigner loans, all designed with flexible repayment terms and competitive interest rates. By integrating cutting-edge technology and adhering strictly to the Ministry of Law’s regulations, JNB Credit ensures a seamless and secure borrowing experience for its clients.

JNB Credit Application Requirements

Applying for a loan with JNB Credit is straightforward. Applicants must meet the following criteria:

Eligibility Criteria:

  • Be at least 21 years old.​
  • Be a Singapore Citizen, Permanent Resident, or a foreigner with a valid work permit.​
  • Have a stable source of income, whether employed or self-employed. ​

Documents Required:
For Singapore Citizens and Permanent Residents:

  • NRIC.​
  • Proof of residence (e.g., utility bills, phone bills, or tenancy agreement).​
  • Recent payslips or bank statements to verify income.​

For Foreign Workers:

  • Valid Work Permit, S Pass, or E Pass.​
  • Passport.​
  • Proof of residence.​
  • Recent payslips or bank statements to verify income.

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.

JNB Credit Highlights

  • Fast Approval

    Loan approvals within hours, catering to urgent financial needs.

  • Competitive Interest Rates

    Offers some of the most competitive rates in Singapore, ensuring affordability.​

  • Flexible Loan Options

    Provides a variety of loans, including personal, business, and foreigner loans, each tailored to specific requirements

  • Transparent Terms

    No hidden fees; all terms are clearly outlined to ensure clients are well-informed.​

  • Licensed and Accredited

    Fully licensed under the Ministry of Law, ensuring adherence to legal and ethical lending practices.

Calculate My Results

Frequently Asked Questions

Is JNB Credit a licensed moneylender?

Yes, JNB Credit is fully licensed and regulated under Singapore's Ministry of Law, ensuring all lending practices are legal and transparent.

How quickly can I receive my loan?

Upon approval, loans are typically disbursed promptly, often within the same day, addressing urgent financial needs efficiently.

What types of loans does JNB Credit offer?

JNB Credit offers a range of loans, including personal loans, business loans, and foreigner loans, each designed to meet specific financial requirements.

Are there any hidden fees?

No, JNB Credit prides itself on transparency. All fees and charges are clearly communicated, ensuring clients are fully aware of their financial commitments.

Can foreigners apply for loans with JNB Credit?

Yes, JNB Credit offers foreigner loans to individuals with a valid work permit, S Pass, or E Pass, providing financial solutions to a diverse clientele.

External Reviews

Moneylender Review

Click here