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Unlimited Finance

Unlimited Finance Review
(Product Review)

By Trinh Thanh Unlimited Finance

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%

    Unlimited Finance 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

    Unlimited Finance is a licensed moneylender in Singapore, offering various loan solutions including personal loans, business loans, secured and unsecured loans, foreigner loans and S-Pass loans. Unlimited Finance remains a customer-centric organization for a seamless borrower experience involving fast approvals, clear transparent terms and flexible repayments. The company remains resolute in its commitment to meeting the unique needs of every borrower, hence becoming your most trusted financial partner when it comes to personal and business needs.

    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
    HS Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Sumo Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    MoneyPlus Capital
    Address
    2.89%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $998.04
    Check Eligibility
    1133 Moneylenders
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Abm Creditz Singapore
    Address
    3.9%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,059.35
    Check Eligibility
    Credit Excel Capital
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    3.9  
    $1,060.58
    Check Eligibility
    Soon Seng Credit
    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
    Quick Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    96BM Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Show All Lenders

    *Today's Moneylenders Rates - 15 January 2026

    Unlimited Finance Application Requirements

    To qualify for a Unlimited loan in Singapore, you must meet the following criteria:

    • Be at least 21 years old.
    • Be a Singapore Citizen, Permanent Resident or a foreigner with a valid Work Pass.
    • Be employed full-time or have a stable source of income.

    Documents Required:

    To process your loan application, the following documents are required:

    • Proof of Identification: Valid NRIC (for Singapore Citizens and Permanent Residents) or Work Permit/Passport (for foreigners)
    • Proof of Income: Recent payslips or an employment letter.
    • Financial Records: IRAS Notice of Assessment, CPF statements or bank statements (for the last three months).
    • Proof of Residence: Utility bills or tenancy agreement.

    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.

    Unlimited Finance Highlights

    • Quick Loan Approval

      Applications are approved within hours for timely financial assistance.

    • Wide Range of Loan Options

      Personal, business, secured, unsecured and foreigner loans available to meet diverse needs.

    • Transparent Terms

      No hidden charges; clear and concise loan agreements.

    • Flexible Repayment Plans

      Loans tailored to suit individual financial situations.

    • Licensed and Trusted

      Fully compliant with Ministry of Law regulations in Singapore.

    Frequently Asked Questions

    What types of loans does Unlimited Finance offer?

    Unlimited Finance provides personal loans, business loans, secured loans, unsecured loans, foreigner loans and S-Pass loans.

    Are there any hidden fees?

    No, Unlimited Finance ensures complete transparency with no hidden charges.

    Can foreigners apply for loans?

    Yes, foreigners can apply for loans with tailored packages designed for their unique needs.

    How flexible are the repayment plans?

    Repayment plans are highly flexible and customized to align with the borrower’s financial situation.