96bm Credit Review

96BM Credit Review
(Product 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

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    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%

    96BM 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

    96BM Credit Pte Ltd is a licensed money lender in Singapore, offering different financial solutions to customers based on their needs. It was established in 2010 and its services include personal loans, payday loans, business loans, debt consolidation loans, renovation loans, medical loans and many others. With competitive interest rates of 3% to 4% per month, transparent in all their dealings and with hassle-free application procedures, 96BM Credit has ensured that quick access to funds is possible, even approving applications within 30 minutes at times.

    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
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Accredit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    2.89%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $998.04
    SU Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.6  
    $1,060.58
    EZ Loan
    Address
    1.99%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $945.02
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.6  
    $1,060.58
    JR Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.0  
    $1,060.58
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Cash Direct
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Show All Lenders

    *Today's Moneylenders Rates - 15 January 2026

    96BM Credit Application Requirements

    To apply for a loan at 96BM Credit Pte Ltd, applicants must meet the following criteria:

    Eligibility Criteria:

    • Be at least 18 years old.
    • Must be a resident of Singapore.

    Documents Required:

    • Proof of consistent income (e.g., bank statements, invoices).
    • Proof of address (e.g., utility bills, 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.

    96BM Credit Highlights

    • Fast Loan Approvals

      Applications are processed without delay, mostly within 30 minutes of application.

    • Competitive Interest Rates

      It ensures affordability with interest rates between 3 to 4 percent per month.

    • Diverse Loan Options

      Offers a wide range of loans, including personal, payday, business and renovation loans.

    • Flexible Repayment Terms

      Individualized repayment plans tailored according to the person’s financial situation.

    • Transparent and Smooth Process

      Committed to clear terms and a seamless application process.

    Frequently Asked Questions

    What types of loans does 96BM Credit Pte Ltd provide?

    They have personal loans, payday loans, business loans, debt consolidation loans, renovation loans, medical loans and many more.

    What is the interest rate that 96BM Credit charges?

    Interest rates are from 3% to 4% per month, following the prescribed moneylending regulations by the Ministry of Law.

    How soon can I get my loan?

    Loan applications are usually approved in 30 minutes and the funds will be disbursed immediately, mostly on the same day.

    What are the required documents for the loan application?

    Applicants have to provide their NRIC or Passport, proof of residence and proof of income such as the latest payslip, CPF contributions or Notice of Assessment.

    Is 96BM Credit Pte Ltd a licensed moneylender?

    Yes, 96BM Credit Pte Ltd is a licensed moneylender regulated by Singapore's Ministry of Law.