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1 – Cash Review

1 - Cash Review
(Product Review)

By Trinh Thanh 1 – Cash 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%

    1-Cash Credit 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

    1-Cash is a licensed moneylender in Singapore known for delivering quick and flexible financial solutions to individuals from all walks of life. The company operates with full transparency while maintaining an efficient level of service. It offers a wide selection of loan options such as personal loans, payday loans and business loans to meet various financial situations.

    The application procedure is designed to be fast and seamless with a strong focus on customer satisfaction. Borrowers can rely on 1-Cash to provide timely assistance whenever financial emergencies arise. Its operations are closely monitored by the Ministry of Law which ensures that all lending activities remain legal and transparent. This level of regulation allows customers to borrow with complete confidence.

    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
    JNB Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    KST Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Creditmaster
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    96BM Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    101 Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Accredit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    1 Fullerton Credit
    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
    118 Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Quick Credit
    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

    1-Cash Credit Application Requirements

    Applying for a loan at 1-cash is quite simple. Applicants must meet the following criteria and be in a position to provide the required documents.

    Eligibility Criteria:

    • Must be at least 18 years old
    • Must be employed or have a stable source of income
    • Must be a Singapore Citizen, Permanent Resident or hold a valid work permit (for foreigners)Documents Required:

    For Singapore Citizens and Permanent Residents:

    • NRIC
    • Latest payslips (at least 3 months)
    • CPF contribution statements or Notice of Assessment

    For Foreign Workers:

    • Passport
    • Work pass or S-Pass
    • Proof of residence (e.g., utility bills or tenancy agreement)

    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.

    1-Cash Highlights

    • Fast Loan Approval

      Get approved in hours to meet urgent financial needs.

    • Tailor-made Loan Options

      Loan packages that fit your financial situation and your repayment capacity.

    • Transparent and Fair Terms

      No hidden charges; clear and concise loan agreements.

    • Trusted and Licensed

      Fully licensed under the Ministry of Law in Singapore.

    • Flexible Repayment Plans

      To be tailored to meet diverse financial situations.

    Is 1-Cash a licensed moneylender?

    Yes, 1-Cash is licensed by the Ministry of Law in Singapore to operate its activities in accordance with the law.

    What types of loans does 1-Cash provide?

    It provides personal loans, payday loans and business loans to suit various financial needs.

    How long would it take for the loan to be approved?

    The loan application is usually approved within hours to ensure that one can access the funds quickly.

    What documents must I bring for the loan application?

    Singaporeans and Permanent Residents will need their NRIC, payslips, CPF or income tax documents. Foreigners will need their passport, work pass and proof of residence.

    Can I apply online for a loan?

    Yes, 1-Cash has an easy-to-use online application for hassle-free submission.