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Valuemax Review

ValueMax Moneylender
(Product Review)

By Trinh Thanh Valuemax Review

Updated January 12, 2026

The product information in the comparison table is updated daily. We also update new insights, reviews and product information on a regular basis.

3.92%

Monthly Interest Rate

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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

    Apply Now

    Current Moneylender Interest Rate Trends

    Today’s moneylender interest rate trends in Singapore – As of Monday, January 12th, 2026, moneylenders in Singapore are charging an average monthly interest rate of 3.78%

    Product Review

    One of the top pawnbroking chains in Singapore is ValueMax. The business provides financial services, such as retail watch sales, jewellery sales and moneylending.

    ValueMax was founded in 1988 and has since expanded quickly with more than 48 locations around Singapore. The company offers professional appraisals and secure transactions, guaranteeing its clients obtain accurate assessments and dependable service. Many recognise ValueMax as a reliable brand for appraisals and short-term funding requirements.

    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

    Moneylending services are provided through VM Credit Pte Ltd and it offers a range of loan products including prrivate financing, property mortgage loans, unsecured personal loans and dealership financing.

    List of Licensed Moneylenders in Singapore (January 2026)

    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
    Majestic Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.5  
    $1,060.58
    Check Eligibility
    Prosper Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Sands Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.6  
    $1,060.58
    Check Eligibility
    Winz Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Dio Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    1 Fullerton Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    I Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    RM Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Orange Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    JD Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Show All Lenders

    *Today's Moneylenders Rates - 12 January 2026

    ValueMax Moneylender Application Requirements

    To use ValueMax’s services, bring along your:

    • ID (a foreign ID, NRIC or passport).
    • Bring the item you wish to sell or pawn with you.
    • Ensure you fulfil the conditions of the loan before applying for one.

    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.

    ValueMax Moneylender Highlights

    • Extensive Services

      ValueMax offers moneylending and pawnbroking services. It also sells jewels and gold at retail.

    • Expert Appraisals

      You will receive trustworthy and accurate estimates for various items.

    • Convenient Locations

      Value Max has more than 48 locations around Singapore.

    • Fast & Easy-Free

      Look forward to quick processing times and an effective service.

    • Safe & Reliable

      Guarantees the dependability and security of your valuable belongings.

    Frequently Asked Questions

    What goods can you pawn at ValueMax?

    Valuable personal belongings like watches, jewellery, gold and luxury purses can be pledged as collateral for loans.

    How long does the pawnbroking procedure take in total?

    Expect to take about ten minutes from the time of appraisal to the time of cash distribution.

    Does pawnbroking include any costs?

    Indeed, you should anticipate interest of 1.5% monthly for a pawn loan and other transaction costs. The shop will reveal the information to the customer upfront. Check the website for any promotions.

    How will ValueMax calculate my item's value?

    The worth of your item is determined by the company's skilled master appraisers, who have at least for 10 to 50 years. They authenticate the object first, then carefully inspect it to determine its condition. They use their knowledge to assess the pawn value, also with the aid of cutting-edge evaluation tools. You will then be presented with the final amount.

    Can I renew my pawn ticket online?

    Yes, ValueMax offers an online renewal service for your convenience.

    Is ValueMax a licensed moneylender?

    Yes, ValueMax operates as a licensed moneylender, providing secured and unsecured loans.

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