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101 Credit Review

101 Credit Review
(Product Review)

By Trinh Thanh 101 Credit 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

    101 Credit is a licensed moneylender based in Singapore, dedicated to providing accessible and efficient financial solutions. With over a decade of experience, they have assisted thousands of clients, offering a range of loan products tailored to diverse needs. Their commitment to customer satisfaction is evident through their flexible loan options, competitive interest rates and personalized service. Whether you’re facing unexpected expenses, planning a significant purchase or seeking funds for business ventures, 101 Credit aims to deliver prompt and reliable financial assistance.

    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
    1 Cash
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    JD Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    1st Capital
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.7  
    $1,060.58
    Check Eligibility
    RM Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Katong Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Max Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.1  
    $1,060.58
    Check Eligibility
    Jefflee Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.4  
    $1,060.58
    Check Eligibility
    Platinum Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.8  
    $1,060.58
    Check Eligibility
    Lending Bee
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    365 Credit Solutions
    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

    Their commitment to customer satisfaction is evident through their flexible loan options, competitive interest rates, and personalized service. Whether you’re facing unexpected expenses, planning a significant purchase, or seeking funds for business ventures, 101 Credit aims to deliver prompt and reliable financial assistance.

    101 Credit Application Requirements

    Applying for a loan at 101 Credit is simple and accessible. Applicants need to meet the following criteria:

    Eligibility Criteria:

    • Applicants must be at least 21 years old.
    • Must be a Singapore Citizen, Permanent Resident or foreigner with valid employment documentation.

    Documents Required

    • For Singapore Citizens and Permanent Residents:
    • NRIC or any other valid identity card.
    • Proof of residential address (e.g., utility bill, letter addressed to the applicant or tenancy agreement).
    • Employment proof such as a certificate of employment or the latest 3 months’ payslips.

    For Foreigners:

    • Valid passport.
    • Proof of residential address (e.g., utility bill, letter addressed to the applicant or tenancy agreement).
    • Employment proof such as a certificate of employment or the latest 3 months’ payslips.

    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.

    101 Credit Highlights

    • Fast Loan Approval

      Experience swift loan approvals, often within an hour, catering to urgent financial needs.​​

    • Diverse Loan Options

      Offers a variety of loans, including personal, business and foreigner loans, each tailored to specific requirements.

    • Competitive Interest Rates

      Provides loans with attractive interest rates, ensuring affordability without hidden charges.​​

    • Licensed and Regulated

      Fully licensed under Singapore’s Ministry of Law, ensuring adherence to legal and ethical lending practices.

    • Customer-Centric Approach

      Prioritizes customer feedback and continually adapts services to meet evolving client needs.

    Frequently Asked Questions

    Can I apply for a loan online or over the phone?

    Yes, 101 Credit facilitates loan applications via walk-in, phone at +65 62381018 or through their online platform.

    How much can I borrow?

    Depending on your income and the type of loan, you may borrow amounts ranging from SGD $500 to $50,000. For secured loans, higher amounts may be available.

    Will my loan be approved if I have a bad credit history?

    101 Credit assesses applications holistically. Even with a poor credit score, you may be eligible for a loan, as they consider your current financial situation and repayment ability.

    How quickly will my application be approved?

    Loan approvals are typically processed swiftly, often within an hour, allowing you to access funds promptly.

    Are there fees for early repayment?

    No, 101 Credit does not impose penalties for early loan repayment, encouraging clients to settle their loans ahead of schedule without additional charges.

    External Reviews

    Moneylender Review

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