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SG Credit Review

SG Credit Review
(Product Review)

By Dawn Chew SG 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%

    SG 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

    SG Credits is a licensed broker agency dealing in personal loans, business loans, payday loans, and loans for foreigners. The application is easy and straightforward, with fast approval for emergency financial situations. In addition, borrowers will also enjoy flexible repayment plans suited to their conditions. SG Credits prides itself on having transparent practices with no hidden fees charged, hence is a reputable choice for those seeking financial assistance in Singapore.

    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
    A1 Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    1 2 Lend
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Kaiiron
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.8  
    $1,060.58
    Check Eligibility
    Best Licensed Moneylender
    Address
    1.88%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $938.64
    Check Eligibility
    Katong Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Credit Excel Capital
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    3.9  
    $1,060.58
    Check Eligibility
    Max Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.1  
    $1,060.58
    Check Eligibility
    Unlimited Finance
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.8  
    $1,060.58
    Check Eligibility
    Platinum Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.8  
    $1,060.58
    Check Eligibility
    Dio 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

    SG Credit Application Requirements

    Applying for a loan at SG Credits is simple and accessible. Applicants need to meet the following criteria:

    • Eligibility Criteria:
    • Must be at least 21 years of age.
    • Be a Singapore Citizen, Permanent Resident, or valid Employment Pass holder.
    • Be employed full-time or have a stable source of income.
    • Possess a satisfactory credit history without bankruptcy records.

    Documents Required:

    For Singapore Citizens and Permanent Residents:

    • NRIC (original)
    • Last 3 months’ payslips
    • CPF contribution statements or Income Tax Notice of Assessment

    For Foreign Workers:

    • Passport
    • Valid Work Pass or Employment Pass
    • Proof of residence (e.g., utility bills or tenancy agreements)
    • Latest 3 months’ payslips

    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.

    SG Credit Highlights

    • Fast Loan Approval

      Get approval in hours for urgent financial needs.

    • FlexyLoan Packages

      Customized repayment arrangements tailor-made to meet your financing needs.

    • Transparent Terms

      No hidden fees, which means upfront and clear agreements.

    • Licensed and Trusted

      Compliant with all legal standards and regulation under the Ministry of Law.

    • Diverse Loan Options

      Offers personal, business, payday, and foreigner loans.

    Calculate My Results

    Frequently Asked Questions

    Is SG Credits a licensed moneylender?

    Yes, SG Credits is a licensed broker agency regulated by the Ministry of Law in Singapore.

    How long does it take to get loan approval?

    Loan approvals are typically processed within hours.

    What documents are required to apply for a loan?

    Singapore Citizens and Permanent Residents need their NRIC, payslips, and CPF or tax documents. Foreigners need their passport, work pass, and proof of residence.

    Can I apply for a loan online?

    Yes, SG Credits offers a convenient online application process for hassle-free submissions.