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MoneyPlus Capital Review

MoneyPlus Capital Review
(Product Review)

By Trinh Thanh MoneyPlus Capital 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.

2.89%

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

    MoneyPlus Capital, established in 2014, is a licensed moneylender in Singapore dedicated to providing swift and tailored financial solutions. Recognizing that past financial challenges don’t define one’s future, they offer a range of loan products designed to assist clients in regaining financial stability. Their commitment to transparency, integrity and customer-centric service has positioned them as a trusted choice for personal loans, debt consolidation and more. With a streamlined application process and competitive interest rates, MoneyPlus Capital ensures that clients receive the support they need promptly and efficiently.

    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
    Goldstar 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
    1 2 Lend
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Lending Bee
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    1 Fullerton Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Magnus Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.8  
    $1,060.58
    Check Eligibility
    1 Cash
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Max Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.1  
    $1,060.58
    Check Eligibility
    Unlimited Finance
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.8  
    $1,060.58
    Check Eligibility
    1st Capital
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.7  
    $1,060.58
    Check Eligibility
    Show All Lenders

    *Today's Moneylenders Rates - 15 January 2026

    MoneyPlus Capital Application Requirements

    Applying for a loan with MoneyPlus Capital is straightforward. Applicants must meet the following criteria:

    Eligibility Criteria:

    • Be at least 21 years old.​
    • Be a Singapore Citizen or Permanent Resident.​​
    • Have a stable income

    Documents Required:

    • National Registration Identity Card (NRIC): Proof of identity.​​
    • Proof of Income: Latest 3 months’ payslips or income tax Notice of Assessment
    • Proof of Residence: Recent utility bill or tenancy agreement
    • For a seamless application, applicants can apply via the website, visit the office or use WhatsApp. Upon approval, funds can be collected instantly.

    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.

    MoneyPlus Capital Highlights

    • Fast Loan Approval

      Receive approval within hours for urgent financial needs.​​

    • Flexible Loan Options

      Offers personal loans, payday loans, debt consolidation loans and more.​​

    • Competitive Rates

      Interest rates range from as low as 1% to a maximum of 4% per month.

    • Licensed Moneylender

      Fully accredited by Singapore’s Ministry of Law, ensuring adherence to strict regulations.​​

    • Customer-Centric Service

      Dedicated to understanding individual financial situations and providing tailored solutions.

    Frequently Asked Questions

    Is MoneyPlus Capital a licensed moneylender?

    Yes, MoneyPlus Capital operates under the regulations set by the Ministry of Law in Singapore, ensuring transparent and ethical lending practices.

    How soon can I get my loan approved?

    Loan approvals are typically processed within hours, allowing you to access funds promptly for urgent needs.

    What types of loans does MoneyPlus Capital offer?

    They provide a variety of loans, including personal loans, payday loans, bad credit loans, fast urgent cash loans, debt consolidation loans, wedding loans, medical loans, travel loans and bridging loans.

    What documents are required to apply for a loan?

    Applicants need to provide their NRIC, proof of income (latest 3 months' payslips) and proof of residence (e.g., utility bill or tenancy agreement).

    Are there any fees for early repayment?

    MoneyPlus Capital allows early repayments without incurring penalties, offering flexibility to manage your loan effectively.

    External Review

    MoneyIQ

    Click here