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1st Capital Review

1st Capital Review
(Product Review)

By Trinh Thanh 1st 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%

    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

    1st Capital is a licensed money lender in Singapore, offering fast and flexible loan options for personal and business needs. Whether you need urgent cash for personal expenses or funds to support your business growth, 1st Capital ensures a smooth application process with quick approval times and competitive interest rates starting from 1% per month. With a customer-centric approach and flexible repayment plans, 1st Capital makes borrowing easier and more accessible for all income levels. Their transparent service ensures no hidden charges, making it one of the most trusted money lenders in 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
    Dio 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
    96BM Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    1133 Moneylenders
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    MoneyPlus Capital
    Address
    2.89%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $998.04
    Check Eligibility
    1 2 Lend
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Quick Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Platinum Credit
    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
    Sumo Credit
    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

    With a customer-centric approach and flexible repayment plans, 1st Capital makes borrowing easier and more accessible for all income levels. Their transparent service ensures no hidden charges, making it one of the most trusted money lenders in Singapore.

    1st Capital Application Requirements

    To apply for a loan with 1st Capital, applicants must meet the following criteria:

    Eligibility Criteria:

    • Be at least 18 years old.
    • Be employed or have a stable income.
    • Be a Singapore Citizen, Permanent Resident or hold a valid work pass (e.g., Employment Pass, S Pass, Work Permit).

    Documents Required:
    For Singapore Citizens and Permanent Residents:

    • NRIC
    • Proof of income (e.g., payslips, CPF statements)
    • Proof of residence (e.g., utility bill or tenancy agreement)

    For Foreign Workers:

    • Work pass (Employment Pass, S Pass, Work Permit)
    • Passport
    • Proof of income (e.g., payslips, employment letter)
    • Proof of residence (e.g., utility bill, 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.

    1st Capital Highlights

    • Fast Loan Approval

      Quick response time, with approval within 1 hour on working days.

    • Flexible Loan Options

      Personal, business and foreigner loans available with flexible repayment plans.

    • Competitive Rates

      Low interest rates starting from 1% per month with no hidden charges.

    • Licensed and Legal

      Fully licensed by the Registry of Moneylenders (License 4/2020).

    • Transparent Service

      Clear repayment terms, ensuring no hidden fees.

    Frequently Asked Questions

    Is 1st Capital a licensed moneylender?

    Yes, 1st Capital is fully licensed by the Registry of Moneylenders in Singapore, ensuring all loans are legally regulated and transparent.

    How quickly can I get my loan approved?

    Loan approval typically happens within 1 hour on working days, allowing you to receive funds quickly for urgent needs.

    What types of loans does 1st Capital offer?

    1st Capital offers personal loans, business loans, and foreigner loans with flexible terms tailored to your financial situation.

    What documents are required to apply for a loan?

    You will need proof of identity, proof of income, and proof of residence. Foreign workers also need a valid work pass and passport.

    Can I apply for a loan if I am a foreigner in Singapore?

    Yes, 1st Capital offers loans to foreigners working in Singapore with a valid work pass.

    External Reviews

    MoneylenderReview

    Click here