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Swift Credit Review

Swift Credit Review
(Product Review)

By Trinh Thanh Swift 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%

    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

    Swift Credit is a fully licensed money lender in Singapore, approved by the Registry of Moneylenders under the Ministry of Law. With a commitment to fast and reliable financial solutions, Swift Credit offers a seamless borrowing experience for Singaporeans, Permanent Residents and foreigners with valid work passes.

    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
    Sands Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.6  
    $1,060.58
    Check Eligibility
    96BM Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    1 Cash
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Dio Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    EZ Loan
    Address
    1.99%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $945.02
    Check Eligibility
    Accredit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Unlimited Finance
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.8  
    $1,060.58
    Check Eligibility
    Abm Creditz Singapore
    Address
    3.9%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,059.35
    Check Eligibility
    Capital Funds Investments
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Sincere Moneylender
    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

    Recognized as one of the top money lenders in Singapore, Swift Credit specializes in providing quick cash solutions tailored to individual and business needs. Whether you require emergency funds for medical expenses, home renovations or debt consolidation, Swift Credit ensures transparent loan terms with no hidden fees. Their flexible repayment options and competitive interest rates make them a preferred choice for borrowers seeking a hassle-free loan process.

    Swift Credit Application Requirements

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

    • Must be at least 21 years old.
    • Must be a Singapore Citizen, Permanent Resident or foreigner with a valid work pass.
    • Must be currently employed.

    Documents Required
    For Singapore Citizens and PRs:

    • NRIC
    • Latest 3 months’ payslips
    • CPF contribution statement or income tax assessment
    • Proof of address (utility bill, phone bill or tenancy agreement)

    For Foreign Workers:

    • Passport
    • Work Pass (S-Pass, E-Pass or work permit)
    • Latest 3 months’ payslips
    • Employment contract or appointment letter
    • Proof of address (tenancy agreement, utility bill or bank statement)

    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.

    Swift Credit Highlights

    • Fast Loan Approval

      Get approval within hours for urgent financial needs.

    • Flexible Loan Options

      Choose from personal, business, payday or foreigner loans.

    • Competitive Interest Rates

      Enjoy one of the lowest interest rates in Singapore.

    • No Hidden Fees

      Transparent loan terms with no surprise charges.

    • Secure & Confidential

      Personal data is fully protected.

    Frequently Asked Questions

    How fast can I get my loan approved?

    Most loan applications are approved within a few hours, with same-day cash disbursement upon signing the loan contract.

    What types of loans does Swift Credit offer?

    Swift Credit provides personal loans, business loans, payday loans and foreigner loans, all with flexible repayment plans.

    Can I apply for a loan with a poor credit score?

    Yes, Swift Credit evaluates loan applications based on various factors, not just credit score. Approval is granted on a case-by-case basis.

    Are there any early repayment fees?

    No, Swift Credit does not charge early repayment penalties. Instead, borrowers may receive a discount for early loan settlement.

    How do I apply for a loan with Swift Credit?

    You can apply online using Singpass MyInfo for a quick and hassle-free process or visit their office for in-person consultation.

    External Reviews

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