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KST Credit

KST Credit Review
(Product Review)

By Dawn Chew KST Credit

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

KST Credit is a licensed money lender in Singapore, offering a range of financial solutions tailored to diverse needs. Strategically located in Orchard Road, the company specializes in personal loans, business loans, payday loans, debt consolidation, and lifestyle loans. With a strong commitment to responsible lending, KST Credit ensures a seamless borrowing experience through fast approvals, low-interest rates, and customer-centric service.

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
SU Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
118 Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,060.58
Check Eligibility
1st Credit SG
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
JR Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.0  
$1,060.58
Check Eligibility
101 Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,060.58
Check Eligibility
Platinum Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.8  
$1,060.58
Check Eligibility
KST Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
1 Cash
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
1 2 Lend
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
Raffles Credit
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

Borrowers benefit from a quick loan application process, receiving cash within 24 hours for personal loans and within one hour for urgent financial needs. The company also offers a 0% interest-free promotional loan, subject to approval, making it a competitive option in Singapore’s financial landscape.

KST Credit Application Requirements

To apply for a loan with KST Credit, applicants must meet the following criteria:
Eligibility Criteria:

  • Must be at least 21 years old.
  • Must be a Singapore Citizen, Permanent Resident, or foreigner with a valid work pass.
  • Must have stable employment or business ownership.
  • Certain loans may require a credit rating assessment.

Required Documents:
For Singapore Citizens & Permanent Residents:

  • NRIC (both sides)
  • Latest 3 months’ payslips
  • CPF Contribution Statement & Notice of Assessment (via SingPass)

For Foreign Workers:

  • Passport & Work Pass (S-Pass, E-Pass, Work Permit)
  • Latest 3 months’ payslips
  • Proof of residence (tenancy agreement, utility bill, etc.)

For Business Loan Applicants:

  • Proof of a registered Singapore business (minimum 2 years in operation)
  • Income Tax Assessment
  • Minimum 2 months of company bank statements
  • No collateral required

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.

KST Credit Highlights

  • Fast Approval

    Loan applications processed in as little as 30 minutes.

  • Flexible Loan Options

    Personal, business, payday, lifestyle, and debt consolidation loans available.

  • Low Interest Rates

    Competitive rates with a special 0% interest-free promotion.

  • Regulated & Licensed

    Fully accredited by Singapore’s Ministry of Law.

  • Transparent Terms

    No hidden fees or unexpected charges.

Calculate My Results

Frequently Asked Questions

Is KST Credit a legally licensed money lender?

Yes, KST Credit is fully licensed under Singapore’s Ministry of Law, ensuring compliance with all legal lending regulations.

How quickly can I receive loan approval?

KST Credit provides fast loan approval, typically within 30 minutes to 2 hours, depending on the applicant’s eligibility and documentation.

What loan amounts can I apply for?

For personal loans, borrowers may qualify for up to 4 times their monthly salary, depending on income level and credit assessment.

What documents do I need to apply?

Applicants must provide NRIC or Passport, proof of income, CPF contribution history, and employment verification. Additional documents may be required for specific loan types.

Does KST Credit offer online loan applications?

Yes, KST Credit provides an online loan application platform, making it convenient to apply from home without visiting the office.

External Reviews

Moneylender Review

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