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i-Credit Review
(Product Review)

By Trinh Thanh i-credit

Updated January 15, 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

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

    Apply Now

    Current Moneylender Interest Rate Trends

    Today’s moneylender interest rate trends in Singapore – As of Thursday, January 15th, 2026, moneylenders in Singapore are charging an average monthly interest rate of 3.98%

    i-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

    I-Credit is a licensed moneylender in Aljunied, Singapore, offering reliable and transparent financial solutions for all kinds of needs. Since 2010, over 20,000 borrowers have trusted I-Credit in its commitment to personalized service, fast approvals and straightforward loan processes. With loan options to cater to different financial situations, such as NSF loans, unemployed loans and debt consolidation, I-Credit is committed to helping clients achieve financial stability with confidence. The flexible terms of repayments and competitive interest rates have made borrowing easy, safe and accessible.

    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
    A1 Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Majestic Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.5  
    $1,060.58
    Check Eligibility
    Cash Direct
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Sincere Moneylender
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    1st Credit SG
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    SKM Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.4  
    $1,060.58
    Check Eligibility
    ABI Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Vera Capital
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.6  
    $1,060.58
    Check Eligibility
    Happy Cash
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Swift Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Show All Lenders

    *Today's Moneylenders Rates - 15 January 2026

    I-Credit Application Requirements

    To apply for a loan with I-Credit, you must meet the following criteria:

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

    Documents Required:

    • NRIC or passport.
    • Proof of residence (e.g., utility bill or tenancy agreement).
    • Proof of employment or income (e.g., payslips or CPF statements).

    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.

    I-Credit Highlights

    • Licensed and Trusted Provider

      fully accredited under Singapore’s Ministry of Law.

    • Quick Approvals

      Most loan applications are processed and approved within one hour.

    • Types of Loans Offered

      It offers NSF loans, unemployed loans, bankrupt loans and debt consolidation loans.

    • Transparent Terms

      Competitive interest rates, with no hidden fees or unexplained conditions.

    • Convenient location

      Aljunied and the operating hours are straightforward.

    Frequently Asked Questions

    Is I-Credit licensed under the Ministry of Law, Singapore?

    Yes, I-Credit is a fully licensed moneylender and complies with all legal standards put across by the government of Singapore.

    What kind of loans does I-Credit offer?

    I-Credit offers a wide variety of loans that range from NSF loans, unemployed loans, bankrupt loans and debt consolidation loans, among others.

    What are the requirements needed for a loan application?

    Applicants must provide an NRIC or passport, proof of residence and proof of income in the form of payslips or CPF contributions.

    How quickly can I have my loan approved?

    Most loan applications take about an hour to get processed and approved so you can have your funds right away.

    Where is the location of I-Credit?

    I-Credit has a location at 810 Geylang Road, Singapore 409286. Businesses operate from Monday to Saturday at 11:30 am to 7:30 pm.