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Sincere Moneylender Review

Sincere Moneylender Review
(Product Review)

By Dawn Chew Sincere Moneylender Review

Updated December 23, 2025

Launch Application
6 times monthly income

Max. Loan Amount (Singaporeans)

6 times monthly income

Max. Loan Amount (Foreigners)

1 – 4%

Monthly Interest Rate

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

Sincere Moneylender is a licensed money lender in Singapore, dedicated to offering fast, reliable, and flexible loan solutions to individuals and businesses. Whether you are handling unexpected medical expenses, planning a wedding, or looking to consolidate debt, Sincere Moneylender provides a wide range of loan products with competitive interest rates and straightforward terms. Known for their customer-first approach, they prioritize a seamless loan process with minimal paperwork and fast approvals. Every borrower receives personalized assistance, ensuring that each loan fits their financial situation perfectly. With a transparent and hassle-free process, Sincere Moneylender has become a trusted choice among borrowers across Singapore.

List of Reputable Licensed Moneylenders in Singapore (December 2025)

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
Horison Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,060.58
Check Eligibility
Hup Hoe Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
BST Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,060.58
Check Eligibility
1AP 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
MoneyPlus Capital
Address
2.89%
Grocery Vouchers
Up to 1% Cashback
5.0  
$998.04
Check Eligibility
Bugis Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,060.58
Check Eligibility
R2D Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
1133 Moneylenders
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
Vera Capital
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.6  
$1,060.58
Check Eligibility
Show All Lenders

*Today's Moneylenders Rates - 23 December 2025

Sincere Moneylender Application Requirements

Applying for a loan with Sincere Moneylender is fast and convenient. To qualify, applicants must meet the following criteria:

Eligibility Criteria:

  • Be at least 18 years old.
  • Be currently employed.
  • Be a Singapore Citizen, Permanent Resident, or foreigner with a valid work pass.

Documents Required:

For Singapore Citizens and Permanent Residents:

  • NRIC
  • Latest 3 months’ payslips
  • CPF Contribution Statement or Notice of Assessment (via SingPass)

For Foreigners:

  • Valid Work Pass (e.g., S Pass, E Pass, Work Permit)
  • Passport
  • Latest 3 months’ payslips
  • Proof of address (e.g., tenancy agreement or utility bill)

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.

Sincere Moneylender Highlights

  • Fast Approval

    Receive your loan approval within hours, ideal for urgent financial needs.

  • Flexible Loan Options

    Choose from a variety of loan types including personal, business, medical, wedding, study, and debt consolidation loans.

  • Low Interest Rates

    Enjoy competitive rates between 1% to 4%, with no hidden charges.

  • Licensed & Regulated

    Fully accredited and regulated by the Ministry of Law in Singapore.

  • Customer-Centric Service

    Friendly support and tailored loan plans to suit your financial needs.

Calculate My Results

Frequently Asked Questions

Is Sincere Moneylender a licensed moneylender in Singapore?

Yes, Sincere Moneylender is fully licensed and operates under the regulations of the Ministry of Law in Singapore.

How fast is the loan approval process?

Most loan applications are processed and approved within a few hours, ensuring quick access to cash when you need it most.

What types of loans does Sincere Moneylender offer?

They offer a wide range of loans including personal loans, business loans, wedding loans, medical loans, study loans, debt consolidation loans, and foreigner loans.

What documents do I need to prepare to apply?

You’ll need identification (NRIC or passport), proof of income (recent payslips), and proof of address. Foreigners must also present a valid work pass.

Can I apply online?

Yes, Sincere Moneylender offers a convenient online application process, allowing you to apply from the comfort of your home.