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Winz Credit

Winz Credit Review
(Product Review)

By Dawn Chew Winz Credit

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%

Winz 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

Winz Credit is a licensed moneylender in Singapore, specializing in personal loans, business loans, payday loans, and foreigner loans. With a focus on simplicity and efficiency, Winz Credit provides quick loan approvals, flexible repayment options, and transparent lending practices. Whether you need financial assistance for personal or business purposes, Winz Credit offers tailored solutions to meet your needs with reliability and trust.

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
118 Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,060.58
Check Eligibility
Creditmaster
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
1 2 Lend
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
101 Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,060.58
Check Eligibility
KST Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
Quick Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
5.0  
$1,060.58
Check Eligibility
Credit Excel Capital
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
3.9  
$1,060.58
Check Eligibility
A1 Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,060.58
Check Eligibility
Magnus Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.8  
$1,060.58
Check Eligibility
JNB Credit
Address
3.92%
Grocery Vouchers
Up to 1% Cashback
4.9  
$1,060.58
Check Eligibility
Show All Lenders

*Today's Moneylenders Rates - 23 December 2025

Winz Credit Application Requirements

Eligibility Criteria:
To qualify for a loan with Winz Credit, you must meet the following requirements:

  • Be at least 21 years old.
  • Be a Singapore Citizen, Permanent Resident, or foreigner with a valid Work Pass.
  • Maintain stable employment or a consistent source of income.
  • Have a clean credit history without bankruptcy records.

Documents Required:
To apply for a loan, you’ll need to provide the following:

For Singapore Citizens / Permanent Residents:

  • NRIC (original)
  • Recent 3 months’ payslips or an employment letter
  • CPF contribution statements or Income Tax Notice of Assessment

For Foreign Workers:

  • Passport
  • Valid Work Pass, S Pass, or Employment Pass
  • Proof of residence (utility bills, tenancy agreements, etc.)
  • 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.

Winz Credit Highlights

  • Wide Range of Loan Services

    From personal loans to debt consolidation loans, Winz Credit provides solutions for various financial needs.

  • Quick and Easy Application

    Fast loan approvals with minimal hassle, ensuring timely access to funds.

  • Customized Loan Packages

    Flexible repayment terms designed to suit individual circumstances.

  • Transparent Practices

    No hidden fees; all terms are communicated clearly.

  • Customer-Centric Approach

    Dedicated professionals guide borrowers through every step of the process.

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Frequently Asked Questions

Is Winz Credit a licensed moneylender?

Yes, Winz Credit is a licensed moneylender regulated by the Ministry of Law in Singapore.

What types of loans does Winz Credit offer?

Winz Credit provides personal loans, business loans, debt consolidation loans, and life stage financing.

Are there any hidden fees?

No, Winz Credit guarantees full transparency with no hidden charges.

How flexible are the repayment plans?

Repayment plans are tailored to fit each borrower’s financial circumstances.