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Sincere Moneylender Review

Sincere Moneylender Review
(Product Review)

By Trinh Thanh Sincere Moneylender 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

    Sincere Moneylender is a licensed money lender in Singapore, dedicated to offering fast, reliable and flexible loan solutions to individuals and businesses. Whether you are handling unexpected medical expenses, planning a wedding or looking to consolidate debt, Sincere Moneylender provides a wide range of loan products with competitive interest rates and straightforward terms. Known for their customer-first approach, they prioritize a seamless loan process with minimal paperwork and fast approvals. Every borrower receives personalized assistance, ensuring that each loan fits their financial situation perfectly. With a transparent and hassle-free process, Sincere Moneylender has become a trusted choice among borrowers across Singapore.

    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
    Orange Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    ​Fortune Credit
    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
    Cash Mart
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Sands Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.6  
    $1,060.58
    Check Eligibility
    Max Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.1  
    $1,060.58
    Check Eligibility
    1 2 Lend
    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
    365 Credit Solutions
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    1st Credit SG
    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

    Sincere Moneylender Application Requirements

    Applying for a loan with Sincere Moneylender is fast and convenient. To qualify, applicants must meet the following criteria:

    Eligibility Criteria:

    • Be at least 18 years old.
    • Be currently employed.
    • Be a Singapore Citizen, Permanent Resident or foreigner with a valid work pass.

    Documents Required:

    For Singapore Citizens and Permanent Residents:

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

    For Foreigners:

    • Valid Work Pass (e.g., S Pass, E Pass, Work Permit)
    • Passport
    • Latest 3 months’ payslips
    • Proof of address (e.g., tenancy agreement or utility bill)

    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.

    Sincere Moneylender Highlights

    • Fast Approval

      Receive your loan approval within hours, ideal for urgent financial needs.

    • Flexible Loan Options

      Choose from a variety of loan types including personal, business, medical, wedding, study and debt consolidation loans.

    • Low Interest Rates

      Enjoy competitive rates between 1% to 4%, with no hidden charges.

    • Licensed & Regulated

      Fully accredited and regulated by the Ministry of Law in Singapore.

    • Customer-Centric Service

      Friendly support and tailored loan plans to suit your financial needs.

    Frequently Asked Questions

    Is Sincere Moneylender a licensed moneylender in Singapore?

    Yes, Sincere Moneylender is fully licensed and operates under the regulations of the Ministry of Law in Singapore.

    How fast is the loan approval process?

    Most loan applications are processed and approved within a few hours, ensuring quick access to cash when you need it most.

    What types of loans does Sincere Moneylender offer?

    They offer a wide range of loans including personal loans, business loans, wedding loans, medical loans, study loans, debt consolidation loans and foreigner loans.

    What documents do I need to prepare to apply?

    You’ll need identification (NRIC or passport), proof of income (recent payslips) and proof of address. Foreigners must also present a valid work pass.

    Can I apply online?

    Yes, Sincere Moneylender offers a convenient online application process, allowing you to apply from the comfort of your home.