Happy Cash Review
(Product Review)

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

Loan Amount (S$)

Tenure (Months)

$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

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Product Review

Happy Cash, a licensed moneylender operating in Singapore, has earned a stellar reputation for offering quick, reliable financial solutions since its establishment in 2010. Recognized and approved by the Ministry of Law, Happy Cash provides tailored loan products designed to meet diverse customer needs. Whether you’re looking for personal loans, payday loans or even business financing, Happy Cash is committed to delivering fast approval with minimal paperwork, often processing loans within 15 minutes. This makes it a convenient and accessible choice for those in need of urgent financial support.

Current Moneylender Interest Rate Trends

Today’s moneylender interest rate trends in Singapore – As of Saturday, March 14th, 2026, moneylenders in Singapore are charging an average monthly interest rate of 3.84%

Compare Loan Offers
from 20+ Lenders

Up to 1% Cashback*

$20 Grocery Voucher*

Quick 5 Minutes Approval

How much do you want to borrow?

$1,000

$200,000

Over what period would you like to pay?

3 Months

72 Months

Total Cashback

10

Your monthly payment

337

Compare Latest Offers

Rate Disclaimer*

Based on a $20,000 loan at 6.95% APR over 5 years, total repayable amount is $26,940 with $449 monthly payments. Your personal APR will be provided upon application completion. Loan terms available from 3 to 72 months. Maximum APR 8.88%.

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*Based on a $20,000 loan at 6.95% APR over 5 years, read more total repayable amount is $26,940 with $449 monthly payments. Your personal APR will be provided upon application completion. Loan terms available from 3 to 72 months. Maximum APR 8.88%. show less

List of Nearby Licensed Moneylenders

Here are licensed moneylenders located nearby. All lenders listed are verified with the Ministry of Law and regulated under the Moneylenders Act.

Loan Amount (S$)

Loan amount must be between 500 and 100,000.

Tenure (Months)

Tenure must be between 1 and 60 months.

Lenders AllROSHI Approved

Monthly Repayment Low to HighHigh to Low

Total Interest Low to HighHigh to Low

More Filters

Platinum Credit

Address

3.92%

4.8  

$1,060.58

Quickloan

Address

3.92%

4.9  

$1,060.58

Unlimited Finance

Address

3.92%

4.8  

$1,060.58

Prosper Credit

Address

3.92%

5.0  

$1,060.58

JR Credit

Address

3.92%

4.0  

$1,060.58

Katong Credit

Address

3.92%

4.9  

$1,060.58

Credit 21

Address

3.92%

4.8  

$1,060.58

Advance Cash Credit

Address

3%

Grocery Vouchers

Up to 1% Cashback

5.0  

$1,004.62

All lenders verified against Ministry of Law registry. Last updated: March 14 2026.

Whether you’re looking for personal loans, payday loans, or even business financing, Happy Cash is committed to delivering fast approval with minimal paperwork, often processing loans within 15 minutes. This makes it a convenient and accessible choice for those in need of urgent financial support.

Happy Cash Application Requirements

To apply for a loan with Happy Cash, you must meet specific eligibility criteria and provide the necessary documents.
Eligibility Criteria:

• Minimum age of 21
• Singapore Citizens, Permanent Residents, S-Pass and Work Permit holders
• Currently employed (all income types are welcome)
• Not applicable to individuals who are undischarged bankrupts or have pending bankruptcy cases

Documents Required:
For Personal and Payday Loans:

• Original NRIC
• Employment payslips
• CPF contribution statement
• Income tax statement
• Utilities bill or phone bill (Proof of Address)

For Business Loans:

• Singapore-registered business or corporation
• Latest ACRA document
• NRIC/Passport/work pass for directors, shareholders or partners
• Tenancy agreement for the business premise
• Corporate bank statements
• Balance sheet and profit & loss statement
• Company stamp/seal
• Title deeds or proof of assets (for secured loans)