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MM Credit Review

MM Credit Review
(Product Review)

By Trinh Thanh MM Credit Review

Updated January 21, 2026

The product information in the comparison table is updated daily. We also update new insights, reviews and product information on a regular basis.

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 Wednesday, January 21st, 2026, moneylenders in Singapore are charging an average monthly interest rate of 3.90%

    MM Credit 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

    MM Credit Pte Ltd is a licensed moneylender in Singapore, offering a range of financial solutions tailored to individual needs. With MM Credit, one is assured of easy access to cash, often in 30 minutes from the time of approval. MM Credit Pte Ltd is recognized as a reputable licensed moneylender, adhering strictly to the regulations set by Singapore’s Ministry of Law. They have emerged as a trusted financial partner to many residents and foreigners in Singapore due to their responsible lending and customer satisfaction.

    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
    Alpha-8 Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Valuemax
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.6  
    $1,060.58
    Check Eligibility
    UK Credit
    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
    Cash Direct
    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
    SU Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Goldstar Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Happy Cash
    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
    Show All Lenders

    *Today's Moneylenders Rates - 21 January 2026

    MM Credit Application Requirements

    To apply for a loan with MM Credit Pte Ltd, applicants must meet the following criteria:

    For Singaporeans / Permanent Residents:

    • Must be employed full-time.
    • Must be 21 years old or above.

    For Foreigners:

    • Must be employed full-time and working in Singapore.
    • Must be 21 years old or above.
    • Must hold a valid E-Pass or S-Pass.

    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.

    MM Credit Highlights

    • Fast Loan Approvals

      Applications are processed quickly, with most approvals taking less than 30 minutes.

    • Competitive Interest Rates

      The interest rates range from 2% to 3.92% per month, making the loans affordable.

    • Diverse loan options

      Offers a variety of loans, from personal and payday to foreigner and private property loans.

    • Flexible Repayment Terms

      Personalized payment plans according to one’s financial condition.

    • Transparent and Smooth Process

      Committed to clear terms and a seamless application experience.

    Frequently Asked Questions

    What types of loans does MM Credit Pte Ltd. provide?

    They provide personal loans, payday loans, foreigner loans and private property loans.

    What is the interest rate charged by MM Credit?

    Interest rates start from 2% to 3.92% monthly, within the rules imposed by the Ministry of Law.

    How soon can I get my loan?

    Loan applications are usually approved within 30 minutes and the disbursal is also done without much delay, mostly the same day.

    What are the documents that one needs to present along with the application?

    Applicants need to submit their NRIC or Passport, proof of residence and proof of income such as the latest pay slip, CPF contribution or Notice of Assessment.

    Is MM Credit Pte Ltd licensed money lender?

    Yes, MM Credit Pte. Ltd. is a Licensed Money Lender and comes under the purview of the Ministry of Law, Singapore.