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Credit Culture Review

Credit Culture Review
(Product Review)

By Trinh Thanh Credit Culture 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%

    Credit Culture 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

    Credit Culture provides personal loans with monthly interest rates capped at 1%, ensuring affordability for borrowers. Their digital platform enables access to it 24/7, so customers can apply anytime and get funds immediately after approval. The whole process is transparent, with no hidden charges, late interest or charges for early repayment. By integrating technology, Credit Culture creates a seamless and efficient customer borrowing experience.

    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
    Winz Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Alpha-8 Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Raffles Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Fast Money
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.5  
    $1,060.58
    Check Eligibility
    Platinum Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.8  
    $1,060.58
    Check Eligibility
    Cash Mart
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Valuemax
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.6  
    $1,060.58
    Check Eligibility
    Credit Excel Capital
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    3.9  
    $1,060.58
    Check Eligibility
    BST Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Jefflee Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.4  
    $1,060.58
    Check Eligibility
    Show All Lenders

    *Today's Moneylenders Rates - 15 January 2026

    Credit Culture Application Requirements

    To apply for a personal loan with Credit Culture, applicants must meet the following criteria:

    Eligibility Criteria:

    • Aged between 21 and 60 years old.
    • Singapore Citizen or Permanent Resident.
    • Currently employed.
    • Possess a SingPass login.

    Documents Required:

    • NRIC for identity verification.
    • Income and employment details accessed via MyInfo through SingPass.

    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.

    Credit Culture Highlights

    • Instant Credit

      Apply anytime and, if accepted, have the money right away.

    • Digital Platform

      It is a completely online, real-time application.

    • Competitive Prices

      The monthly interest rates are 1% maximum, with no hidden charges.

    • Transparent Terms

      No late interest charges or early repayment fees.

    • Convenient Access

      Manage your loan account anytime, anywhere.

    • Secure Transactions

      Industry-standard encryption ensures the safety of your information.

    Frequently Asked Questions

    What is the maximum loan amount I can borrow?

    Eligible borrowers can apply for personal loans up to S$50,000, subject to credit assessment and regulatory guidelines.

    Are there any fees for early repayment?

    No, Credit Culture does not charge any early repayment fees, allowing borrowers to repay their loans ahead of schedule without penalties.

    How does Credit Culture ensure the security of my personal information?

    Loan applications are secured with industry-standard encryption, ensuring that your personal data is protected throughout the process.

    What should I do if I receive unsolicited communication claiming to be from Credit Culture?

    Credit Culture does not solicit loan applications via email, WhatsApp or phone calls. If you receive such communications, do not provide any personal information and contact Credit Culture directly at [email protected].

    Where is Credit Culture located?

    Credit Culture's office is located at 100 Peck Seah Street, #11-20, Singapore 079333.