roshi-logo
Login
Loan Marketplace Apply Now
Advance Cash Credit Review

Advance Cash Credit Review
(Product Review)

By Trinh Thanh Advance Cash 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.

3.00%

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

    Advance Cash Credit is a licensed moneylender in Singapore officially registered with the Registry of Moneylenders under license number 80/2024. Established in 2010, the company has supported more than 31,257 borrowers by providing a variety of financial solutions designed to meet different needs.

    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
    Fast Money
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.5  
    $1,060.58
    Check Eligibility
    1 Cash
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Sands Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.6  
    $1,060.58
    Check Eligibility
    Raffles Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Alpha-8 Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Credit 21
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.8  
    $1,060.58
    Check Eligibility
    OT Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    RM Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    365 Credit Solutions
    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
    Show All Lenders

    *Today's Moneylenders Rates - 15 January 2026

    With a solid reputation for transparency and reliability, Advance Cash Credit offers competitive interest rates starting from 1% per month, ensuring repayment remains affordable. The company processes loan applications quickly, often approving them within one hour on working days so borrowers can receive funds without delay. Whether for personal emergencies, business growth or short-term financial requirements, its flexible loan options are suitable for various income levels and situations.

    Advance Cash Credit Application Requirements

    To apply for a loan with Advance Cash Credit, applicants must meet the following criteria
    Eligibility Criteria:

    • Must be at least 18 years old.​
    • Must be a Singapore Citizen, Permanent Resident or foreigner holding a valid work pass (e.g., Work Permit, S Pass, Employment Pass, Long Term Pass).​​
    • Must not be an undischarged bankrupt or facing any bankruptcy proceedings.

    Documents Required:
    For Singapore Citizens and Permanent Residents:

    • NRIC.​
    • Proof of employment (e.g., CPF statements, payslips, employment contract).​
    • Proof of residential address (e.g., utility bill, tenancy agreement).

    For Foreigners:

    • Valid work pass.​
    • Passport.​
    • Proof of employment (e.g., employment contract, payslips, bank statements).​
    • Proof of residential address (e.g., tenancy agreement, utility bill).

    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.

    Advance Cash Credit Highlights

    • Fast Loan Approval

      Receive approval within an hour during working days, with loan amounts up to six times your monthly income.​

    • Flexible Loan Options

      Offers personal loans, foreigner loans and business loans to cater to various financial needs.​​

    • Competitive Interest Rates

      Enjoy low interest rates starting from 1% per month, with no hidden charges or fees.​

    • Licensed Moneylender

      Fully licensed and regulated by the Registry of Moneylenders in Singapore.​​

    • Transparent Services

      Provides clear information on loan costs, ensuring borrowers know exactly how much they need to repay and when.

    Frequently Asked Questions

    Is Advance Cash Credit a licensed moneylender?

    Yes, Advance Cash Credit is officially licensed by the Registry of Moneylenders in Singapore under license number 80/2024.

    How soon can I get my loan approved?

    Loan approvals are typically processed within one hour during working days, allowing for quick access to funds.

    What types of loans does Advance Cash Credit offer?

    They offer personal loans, foreigner loans and business loans to accommodate various financial requirements.​

    What documents are required to apply for a loan?

    Applicants need to provide proof of identity, employment and residential address. Specific documents vary based on citizenship status.

    Are there any hidden charges or fees?

    No, Advance Cash Credit maintains a transparent fee structure with no hidden charges, ensuring borrowers are fully informed of all costs upfront.

    External Reviews

    Loanadvisor.sg

    Click here