Sands Credit Review
(Product Review)

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

Loan Amount (S$)

Tenure (Months)

$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

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Product Review

Sands Credit is a licensed money lender in Singapore that offers fast and reliable financial solutions tailored to your needs. Whether you’re facing an emergency, planning a major purchase or looking for business capital, Sands Credit provides quick loan approvals, flexible repayment terms and competitive interest rates.

Current Moneylender Interest Rate Trends

Today’s moneylender interest rate trends in Singapore – As of Tuesday, July 28th, 2026, moneylenders in Singapore are charging an average monthly interest rate of 3.68%

Compare Loan Offers
from 20+ Lenders

Up to 1% Cashback*

$20 Grocery Voucher*

Quick 5 Minutes Approval

How much do you want to borrow?

$1,000

$200,000

Over what period would you like to pay?

3 Months

72 Months

Total Cashback

10

Your monthly payment

337

Compare Latest Offers

Rate Disclaimer*

Based on a $20,000 loan at 6.95% APR over 5 years, total repayable amount is $26,940 with $449 monthly payments. Your personal APR will be provided upon application completion. Loan terms available from 3 to 72 months. Maximum APR 8.88%.

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*Based on a $20,000 loan at 6.95% APR over 5 years, read more total repayable amount is $26,940 with $449 monthly payments. Your personal APR will be provided upon application completion. Loan terms available from 3 to 72 months. Maximum APR 8.88%. show less

List of Nearby Licensed Moneylenders

Here are licensed moneylenders located nearby. All lenders listed are verified with the Ministry of Law and regulated under the Moneylenders Act.

Loan Amount (S$)

Loan amount must be between 500 and 100,000.

Tenure (Months)

Tenure must be between 1 and 60 months.

Lenders AllROSHI Approved

Monthly Repayment Low to HighHigh to Low

Total Interest Low to HighHigh to Low

More Filters

R2D Credit

Address

3.92%

Grocery Vouchers

Up to 1% Cashback

5.0  

$1,060.58

Platinum Credit

Address

3.92%

4.8  

$1,060.58

Credit Excel Capital

Address

3.92%

3.9  

$1,060.58

96BM Credit

Address

3.92%

5.0  

$1,060.58

Happy Cash

Address

3.92%

5.0  

$1,060.58

OT Credit

Address

3.92%

4.9  

$1,060.58

Credit 21

Address

3.92%

4.8  

$1,060.58

101 Credit

Address

3.92%

4.9  

$1,060.58

All lenders verified against Ministry of Law registry. Last updated: July 28 2026.

With a commitment to transparency and customer-centric service, Sands Credit ensures a hassle-free borrowing experience. Their services range from personal loans to business financing, debt consolidation and education loans, making it easier for borrowers to access the right financial support without hidden fees or unnecessary delays.

Sands Credit Application Requirements

Applying for a loan at Sands Credit is simple and requires the following eligibility criteria and documents:

Eligibility Criteria:

• Must be at least 21 years old
• Must be a Singapore Citizen, Permanent Resident or a foreign worker with a valid work pass

Documents Required:
For Singapore Citizens & Permanent Residents:

• NRIC
• Latest 3 months’ payslips
• CPF contribution statements
• Proof of address (e.g., utility bill, phone bill, tenancy agreement)

For Foreign Workers:

• Passport
• Valid work pass (S-Pass, E-Pass, work permit or employment letter)
• Latest 3 months’ payslips
• Proof of address