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KST Credit

KST Credit Review
(Product Review)

By Trinh Thanh KST 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%

    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

    KST Credit is a licensed money lender in Singapore, offering a range of financial solutions tailored to diverse needs. Strategically located in Orchard Road, the company specializes in personal loans, business loans, payday loans, debt consolidation and lifestyle loans. With a strong commitment to responsible lending, KST Credit ensures a seamless borrowing experience through fast approvals, low-interest rates and customer-centric service. Borrowers benefit from a quick loan application process, receiving cash within 24 hours for personal loans and within one hour for urgent financial needs. The company also offers a 0% interest-free promotional loan, subject to approval, making it a competitive option in Singapore’s financial landscape.

    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
    MoneyPlus Capital
    Address
    2.89%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $998.04
    Check Eligibility
    96BM Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    1133 Moneylenders
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Credit Assist
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Cash Mart
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Soon Seng Credit
    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
    Sincere Moneylender
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Vera Capital
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.6  
    $1,060.58
    Check Eligibility
    SKM Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.4  
    $1,060.58
    Check Eligibility
    Show All Lenders

    *Today's Moneylenders Rates - 15 January 2026

    Borrowers benefit from a quick loan application process, receiving cash within 24 hours for personal loans and within one hour for urgent financial needs. The company also offers a 0% interest-free promotional loan, subject to approval, making it a competitive option in Singapore’s financial landscape.

    KST Credit Application Requirements

    To apply for a loan with KST 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 have stable employment or business ownership.
    • Certain loans may require a credit rating assessment.

    Required Documents:
    For Singapore Citizens & Permanent Residents:

    • NRIC (both sides)
    • Latest 3 months’ payslips
    • CPF Contribution Statement & Notice of Assessment (via SingPass)

    For Foreign Workers:

    • Passport & Work Pass (S-Pass, E-Pass, Work Permit)
    • Latest 3 months’ payslips
    • Proof of residence (tenancy agreement, utility bill, etc.)

    For Business Loan Applicants:

    • Proof of a registered Singapore business (minimum 2 years in operation)
    • Income Tax Assessment
    • Minimum 2 months of company bank statements
    • No collateral required

    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.

    KST Credit Highlights

    • Fast Approval

      Loan applications processed in as little as 30 minutes.

    • Flexible Loan Options

      Personal, business, payday, lifestyle and debt consolidation loans available.

    • Low Interest Rates

      Competitive rates with a special 0% interest-free promotion.

    • Regulated & Licensed

      Fully accredited by Singapore’s Ministry of Law.

    • Transparent Terms

      No hidden fees or unexpected charges.

    Frequently Asked Questions

    Is KST Credit a legally licensed money lender?

    Yes, KST Credit is fully licensed under Singapore’s Ministry of Law, ensuring compliance with all legal lending regulations.

    How quickly can I receive loan approval?

    KST Credit provides fast loan approval, typically within 30 minutes to 2 hours, depending on the applicant’s eligibility and documentation.

    What loan amounts can I apply for?

    For personal loans, borrowers may qualify for up to 4 times their monthly salary, depending on income level and credit assessment.

    What documents do I need to apply?

    Applicants must provide NRIC or Passport, proof of income, CPF contribution history and employment verification. Additional documents may be required for specific loan types.

    Does KST Credit offer online loan applications?

    Yes, KST Credit provides an online loan application platform, making it convenient to apply from home without visiting the office.

    External Reviews

    Moneylender Review

    Click here