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Abi Credit Review

Abi Credit Review
(Product Review)

By Trinh Thanh Abi 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%

    Abi 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

    ABI Credit is a licensed money lender in Singapore that offers tailor-made loans catering to different financial needs. These include personal loans, business loans, payday loans and debt consolidation loans. In addition, ABI Credit has been greatly praised by many due to its fast approval rate and flexible repayment plans matching the financial conditions of every borrower. With its transparent policies and professional team, ABI Credit has become the most reliable choice for people and businesses in search of hassle-free 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
    Credit Assist
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    EZ Loan
    Address
    1.99%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $945.02
    Check Eligibility
    Credit Culture
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.6  
    $1,060.58
    Check Eligibility
    BST Credit
    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
    Cashmax Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.6  
    $1,060.58
    Check Eligibility
    Sumo Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Bugis Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Swift Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    R2D 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

    Abi Credit Application Requirements

    Eligibility Criteria:
    To qualify for a loan with ABI Credit, you must meet the following requirements:

    • Be a Singapore Citizen, Permanent Resident, or foreigner with a valid Work Pass.
    • Maintain stable employment or a consistent source of income.
    • Have a clean credit history without bankruptcy records.

    Documents Required

    To apply for a loan, you’ll need to provide the following:

    For Singapore Citizens / Permanent Residents:

    • NRIC (original)
    • Recent 3 months’ payslips or an employment letter
    • CPF contribution statements or Income Tax Notice of Assessment

    For Foreign Workers:

    • Passport
    • Valid Work Pass, S Pass or Employment Pass
    • Proof of residence (utility bills, tenancy agreements, etc.)
    • 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.

    Abi Credit Highlights

    • Quick Loan Approvals

      Get approved within hours for urgent financial needs.

    • Flexible Repayment Options

      Tailored repayment terms to suit individual financial circumstances.

    • Wide Range of Loan Products

      Personal, business, payday and debt consolidation loans available.

    • Transparent Policies

      No hidden charges; all terms and conditions are clearly communicated.

    • Customer-Centric Approach

      Experienced professionals provide personalized support for every borrower.

    Frequently Asked Questions

    Can I apply for a loan if I already have an existing loan?

    Yes, ABI Credit allows borrowers with existing loans to apply for additional financing, subject to their repayment capacity and financial situation.

    What is the minimum repayment period for a loan?

    The repayment period varies based on the loan type and amount. ABI Credit offers flexible repayment terms that can be discussed during the application process.

    Are there penalties for early loan repayment?

    No, ABI Credit encourages borrowers to repay their loans early if possible and does not impose penalties for early repayment.

    Can I cancel my loan application after approval?

    Yes, you may cancel your loan application before disbursement. Contact ABI Credit immediately if you wish to do so.

    How does ABI Credit ensure data privacy?

    ABI Credit prioritizes the confidentiality and security of customer information and complies with Singapore’s Personal Data Protection Act (PDPA). All personal data is handled securely and used only for loan processing purposes.