Shenton Credit Moneylender
(Product Review)

3.92%

Monthly Interest Rate

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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

Shenton Credit is a licensed moneylender in the CBD and they have been lending since 2010 under this name. Worth knowing that they operated as RJS Credit before this and their own homepage carries a notice that both names have been misused by scammers.

There is a loan calculator on their homepage where you pick your amount, tenure and a monthly interest rate between 1% and 4%. That is a useful tool for working out what a repayment looks like but note that you are choosing the rate yourself. It is not telling you what Shenton will charge you and they publish no actual rate anywhere on the site.

Loan types cover personal, payday, bad credit, urgent cash, debt consolidation, wedding, medical, travel and bridging which are the same as a personal loan under a different name. The bad credit loan is the one that matters for anyone the banks have already turned down.

They claim over 20 years of experience while also saying they started in 2010. Those two figures do not match so we asume they consider their previous moneylender business RJS Credit as connected.

Current Moneylender Interest Rate Trends

Today’s moneylender interest rate trends in Singapore – As of Sunday, August 9th, 2026, moneylenders in Singapore are charging an average monthly interest rate of 3.90%

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$20 Grocery Voucher*

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How much do you want to borrow?

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Over what period would you like to pay?

3 Months

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Total Cashback

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Your monthly payment

337

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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

Dio Credit

Address

3.92%

5.0  

$1,060.58

A1 Credit

Address

3.92%

4.9  

$1,060.58

Vera Capital

Address

3.92%

4.6  

$1,060.58

1AP Credit

Address

3.92%

4.9  

$1,060.58

R2D Credit

Address

3.92%

Grocery Vouchers

Up to 1% Cashback

5.0  

$1,060.58

Cashmax Credit

Address

3.92%

4.6  

$1,060.58

All lenders verified against Ministry of Law registry. Last updated: August 9 2026.

Shenton Credit Application Requirements

Two conditions here are stricter than the law requires so check these before anything else. You must be 21 or older rather than 18 and you must also be a Singapore Citizen or PR because foreigners are only accepted on selected loan types.

If you clear both bring the following:

• NRIC
• 3 months of income proof, payslips, CPF contribution history or bank statements showing salary credit
• IRAS Notice of Assessment if you are self-employed
• Yourself, in person to their CBD office to sign