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RM Credit Review

RM Credit Review
(Product Review)

By Trinh Thanh RM Credit Review

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%

    RM 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

    RM Credit is a licensed moneylender in Singapore that offers various financial solutions, including personal loans, business loans, payday loans and debt consolidation loans. With a strong emphasis on customer satisfaction, RM Credit provides fast approvals, flexible repayment terms and transparency in all its processes. Their experienced and professional team is dedicated to delivering tailor-made financial assistance, meeting the unique needs of each client. Whether it be emergency funds, business expansion or the payment of debts, RM Credit becomes an unbreachable partner in finding financial solutions.

    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
    Sumo Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Raffles Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Alpha-8 Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Accredit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Platinum Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.8  
    $1,060.58
    Check Eligibility
    SKM Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.4  
    $1,060.58
    Check Eligibility
    Credit Excel Capital
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    3.9  
    $1,060.58
    Check Eligibility
    HS Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Advance Cash Credit
    Address
    3%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,004.62
    Check Eligibility
    Sands Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.6  
    $1,060.58
    Check Eligibility
    Show All Lenders

    *Today's Moneylenders Rates - 15 January 2026

    RM Credit Application Requirements

    Eligibility Criteria:
    To qualify for a loan with RM Credit Pte Ltd, you must:

    • Be at least 21 years old.
    • Be a Singapore Citizen, Permanent Resident or foreigner with a valid Work Pass, S Pass or Employment Pass.
    • Have a stable source of income.

    Documents Required

    For Singapore Citizens / Permanent Residents:

    • NRIC (original)
    • Latest 3 months’ payslips or proof of income
    • CPF contribution statements or Income Tax Notice of Assessment

    For Foreign Workers:

    • Passport
    • Valid Work Pass, S Pass or Employment Pass
    • Proof of residence (e.g., utility bills or tenancy agreements dated within the last month)
    • Latest 3 months’ payslips or bank 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.

    RM Credit Highlights

    • Fast Loan Approvals

      Applications are processed within hours for urgent financial needs.

    • Flexible Repayment Terms

      Customized repayment plans tailored to your financial circumstances.

    • Wide Range of Loan Products

      Includes personal loans, business loans, payday loans and debt consolidation loans.

    • Transparent and Reliable Services

      No hidden charges; all terms and conditions are clearly outlined.

    • Customer-Centric Approach

      A professional team dedicated to helping clients achieve financial stability.

    Frequently Asked Questions

    What types of loans does RM Credit provide?

    RM Credit offers personal loans, business loans, payday loans and debt consolidation loans to meet various financial needs.

    Is RM Credit a licensed moneylender?

    Yes, RM Credit is fully licensed under the Ministry of Law in Singapore.

    Are there any hidden fees?

    No, RM Credit ensures complete transparency with no hidden charges or fees.

    How flexible are the repayment terms?

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

    What happens if I miss a repayment?

    Contact the RM Credit team immediately to discuss alternative payment arrangements or restructuring options.