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Platinum Credit Review

Platinum Credit Review
(Product Review)

By Dawn Chew Platinum 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

    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

    Platinum Credit is a licensed money lender in Singapore dedicated to providing quick and reliable financial solutions since 2010. Approved by the Registry of Moneylenders under the Ministry of Law, Platinum Credit has built a strong reputation for ethical lending practices and customer satisfaction.

    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
    ABI Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Quick Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Hup Hoe Credit
    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
    Horison Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Synergy Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    HS Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Best Licensed Moneylender
    Address
    1.88%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $938.64
    Check Eligibility
    Creditmaster
    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
    Show All Lenders

    *Today's Moneylenders Rates - 23 December 2025

    With a range of loan options, including personal loans, payday loans, and business loans, Platinum Credit ensures borrowers receive financial assistance tailored to their specific needs. Whether you need emergency funds, assistance with short-term cash flow, or capital for business expansion, Platinum Credit offers fast approvals, competitive interest rates, and a transparent lending process. Their customer-first approach ensures responsible lending and flexible repayment terms, making them a trusted choice for many Singaporeans.

    Platinum Credit Application Requirements

    Applying for a loan at Platinum Credit is straightforward. To qualify, applicants must meet the following criteria:

    Eligibility Criteria:

    • Must be at least 21 years old.
    • Must be a Singapore Citizen, Permanent Resident, or valid work pass holder.
    • Must have a minimum annual income of S$20,000.

    Documents Required:
    For Singapore Citizens and Permanent Residents:

    • Original NRIC
    • Latest 3 months’ payslips
    • CPF Contribution Statements or Notice of Assessment
    • Proof of residence (utility bill, bank statement, or tenancy agreement)

    For Foreign Workers:

    • Valid work pass (S-Pass, E-Pass, Work Permit)
    • Passport
    • Latest 3 months’ payslips
    • Proof of address (e.g., phone bill, rental agreement)

    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.

    MoneyPlus Capital Highlights

    • Fast Approval Process

      Get loan approval within hours for urgent cash needs.

    • Multiple Loan Types

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

    • Transparent & Fair Terms

      No hidden fees, ensuring borrowers are fully informed.

    • Licensed & Trusted

      Regulated by the Ministry of Law, ensuring legal and ethical lending.

    • Flexible Repayment Plans

      Tailored repayment schedules based on financial circumstances.

    Calculate My Results

    Frequently Asked Questions

    Is Platinum Credit a licensed money lender?

    Yes, Platinum Credit is fully licensed under the Registry of Moneylenders, ensuring compliance with Singapore’s financial regulations.

    How fast can I get my loan approved?

    Loan approvals typically take just a few hours, providing quick access to cash when needed.

    What types of loans does Platinum Credit offer?

    Platinum Credit provides personal loans, payday loans, business loans, and debt consolidation loans, catering to various financial needs.

    What documents do I need to apply for a loan?

    Applicants must provide proof of identity (NRIC or passport), proof of residence, employment documents, and financial statements as required.

    Can I apply for a loan online?

    Yes, Platinum Credit offers an online loan application process, allowing borrowers to apply conveniently from home.

    External Reviews

    Moneylender Review

    Click here