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1AP Capital Review

1AP Capital Review
(Product Review)

By Trinh Thanh 1AP 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.

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%

    1AP 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

    1AP Capital is a licensed moneylender in Singapore that offers various financial solutions, including personal loans, business loans and bridging loans. Known for its customer-centric approach, 1AP Capital provides fast approvals, flexible repayment plans and transparency in all its processes without any hidden fees. This is how the company specializes in helping borrowers with tailor-made loan packages, hence turning into one of the leading names when it comes to the need for financial help for either personal or business use.

    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
    Kaiiron
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.8  
    $1,060.58
    Check Eligibility
    HS Credit
    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
    Cash Direct
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Credit Excel Capital
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    3.9  
    $1,060.58
    Check Eligibility
    Max Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.1  
    $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
    1st Capital
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.7  
    $1,060.58
    Check Eligibility
    Lending Bee
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Show All Lenders

    *Today's Moneylenders Rates - 15 January 2026

    1AP Credit Application Requirements

    To qualify for a loan at 1AP Capital, you must meet the following requirements:

    • Be at least 21 years old at the time of application.
    • Open to Singapore Citizens, Permanent Residents and foreigners with a valid Work Pass, as long as they have a stable source of income.

    Documents Required:
    For Singapore Citizens / Permanent Residents:

    • Proof of identity: NRIC or passport
    • Proof of income: CPF contribution statements or bank statements

    For Foreign Workers:

    • Valid Work Permit, S Pass or Employment Pass
    • Proof of residence: Utility bills, tenancy agreements or phone bills
    • Latest payslips or bank statements

    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.

    1AP Capital Highlights

    • Fast Loan Approvals

      Get approval within hours for all urgent financial needs.

    • Tailor-made Loan Packages

      Customized loan solutions to fit your individual financial situation.

    • Transparent and Honest Terms

      No hidden charges so all is clear and trustable.

    • Licensed and Trusted

      Fully licensed under the Ministry of Law, guaranteeing compliance with Singapore’s legal standards.

    • Diverse Loan Options

      Offers personal loans, business loans and bridging loans to meet all types of financial requirements.

    Frequently Asked Questions

    Is 1AP Capital a licensed moneylender?

    Yes, 1AP Capital is fully licensed and regulated by the Ministry of Law in Singapore.

    How soon can my loan be approved?

    Loan approvals are usually processed within hours, depending on how complete your application is.

    What documents are needed for the loan application?

    For Singapore Citizens and Permanent Residents: NRIC, payslips and CPF or tax documents are required. For Foreigners: a passport, work pass and proof of residence are required.

    Does 1AP Capital have online loan applications?

    Yes, 1AP Capital provides an easy and smooth online application.