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Credit Excel Capital

Credit Excel Capital Review
(Product Review)

By Trinh Thanh Credit Excel Capital

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%

    Credit Excel Capital 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

    Credit Excel Capital has been a licensed moneylender since 2010 and is recognized for its good reputation. It specializes in providng various loan schemes, including personal cash loans, payday loans and business loans for SMEs. The company is built around a customer-centric approach; thus, it guarantees a smooth experience in borrowing through fast approval, flexible repayment terms and transparency in all its processes. Whether you want money for emergencies, business expansion or short-term financial obligations, Credit Excel Capital is your sure and efficient way.

    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
    Credit Assist
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Crawfort
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.8  
    $1,060.58
    Check Eligibility
    Credit Culture
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.6  
    $1,060.58
    Check Eligibility
    Cash Direct
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Happy Cash
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Cashmax Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.6  
    $1,060.58
    Check Eligibility
    I Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    HS Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    A1 Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    ​Fortune 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

    Credit Excel Capital Application Requirements

    Eligibility Criteria
    To apply for a loan, applicants must meet the following criteria:

    • Be at least 21 years old.
    • Be a Singapore Citizen or Permanent Resident.
    • Be currently employed.
    • Required Documents

    For Salaried and Commission-Based Employees:

    • Identification Card (NRIC).
    • SingPass Login.
    • Proof of billing (any recent bill showing your residential address).
    • Latest 3 months’ original payslips (if there is no CPF contribution).
    • Letter of employment (applicable for new employment).

    For Self-Employed Individuals:

    • Identification Card (NRIC).
    • SingPass Login.
    • Notice of Assessment (NOA indicating trade income).
    • ACRA (Accounting and Corporate Regulatory Authority) registration.
    • Proof of billing (any recent bill showing your residential address).

    For Taxi Drivers:

    • Identification Card (NRIC).
    • Vocational License.
    • Taxi Pass.
    • Minimum of 7 days’ job summary.
    • Proof of billing (any recent bill showing your residential address).

    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.

    Credit Excel Capital Highlights

    • Fast and Easy Application

      Loan approvals are typically completed within hours, offering quick access to funds.

    • Wide Range of Loan Products

      Personal loans, payday loans and SME loans cater to various financial needs.

    • Flexible Repayment Terms

      Customized repayment plans to suit individual financial circumstances.

    • Transparent Services

      Clear and upfront terms with no hidden charges.

    • Experienced Provider

      Over a decade of experience in providing reliable lending services.

    Frequently Asked Questions

    Can I repay my loan early?

    Yes, Credit Excel Capital allows early repayment without penalties, helping you save on interest.

    What happens if I miss a repayment?

    Contact Credit Excel Capital immediately to discuss alternative repayment arrangements or restructuring options.

    Can I apply for a loan if I have an existing loan?

    Yes, as long as you meet the eligibility criteria and can demonstrate repayment capacity.

    Are there any hidden charges?

    No, Credit Excel Capital practices full transparency, ensuring all charges are disclosed upfront.

    What types of loans does Credit Excel Capital offer?

    The company provides personal loans, payday loans and SME business loans to meet various financial needs.