Credit Excel Capital Review
(Product Review)

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

Loan Amount (S$)

Tenure (Months)

$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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Credit Excel Capital Product Review

Credit Excel Capital has been a licensed moneylender since 2010 and is recognized for its good reputation. It specializes in providng various loan schemes, including personal cash loans, payday loans and business loans for SMEs. The company is built around a customer-centric approach; thus, it guarantees a smooth experience in borrowing through fast approval, flexible repayment terms and transparency in all its processes. Whether you want money for emergencies, business expansion or short-term financial obligations, Credit Excel Capital is your sure and efficient way.

Current Moneylender Interest Rate Trends

Today’s moneylender interest rate trends in Singapore – As of Tuesday, July 28th, 2026, moneylenders in Singapore are charging an average monthly interest rate of 3.68%

Compare Loan Offers
from 20+ Lenders

Up to 1% Cashback*

$20 Grocery Voucher*

Quick 5 Minutes Approval

How much do you want to borrow?

$1,000

$200,000

Over what period would you like to pay?

3 Months

72 Months

Total Cashback

10

Your monthly payment

337

Compare Latest Offers

Rate Disclaimer*

Based on a $20,000 loan at 6.95% APR over 5 years, total repayable amount is $26,940 with $449 monthly payments. Your personal APR will be provided upon application completion. Loan terms available from 3 to 72 months. Maximum APR 8.88%.

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*Based on a $20,000 loan at 6.95% APR over 5 years, read more total repayable amount is $26,940 with $449 monthly payments. Your personal APR will be provided upon application completion. Loan terms available from 3 to 72 months. Maximum APR 8.88%. show less

List of Nearby Licensed Moneylenders

Here are licensed moneylenders located nearby. All lenders listed are verified with the Ministry of Law and regulated under the Moneylenders Act.

Loan Amount (S$)

Loan amount must be between 500 and 100,000.

Tenure (Months)

Tenure must be between 1 and 60 months.

Lenders AllROSHI Approved

Monthly Repayment Low to HighHigh to Low

Total Interest Low to HighHigh to Low

More Filters

Abm Creditz Singapore

Address

3.9%

Grocery Vouchers

Up to 1% Cashback

4.9  

$1,059.35

HS Credit

Address

3.92%

5.0  

$1,060.58

Max Credit

Address

3.92%

4.1  

$1,060.58

Alpha-8 Credit

Address

3.92%

4.9  

$1,060.58

Credit 21

Address

3.92%

4.8  

$1,060.58

Cash Mart

Address

3.92%

5.0  

$1,060.58

C

Creditmaster

Address

3.92%

5.0  

$1,060.58

SKM Credit

Address

3.92%

4.4  

$1,060.58

All lenders verified against Ministry of Law registry. Last updated: July 28 2026.

Credit Excel Capital Application Requirements

Eligibility Criteria
To apply for a loan, applicants must meet the following criteria:

• Be at least 21 years old.
• Be a Singapore Citizen or Permanent Resident.
• Be currently employed.
• Required Documents

For Salaried and Commission-Based Employees:

• Identification Card (NRIC).
• SingPass Login.
• Proof of billing (any recent bill showing your residential address).
• Latest 3 months’ original payslips (if there is no CPF contribution).
• Letter of employment (applicable for new employment).

For Self-Employed Individuals:

• Identification Card (NRIC).
• SingPass Login.
• Notice of Assessment (NOA indicating trade income).
• ACRA (Accounting and Corporate Regulatory Authority) registration.
• Proof of billing (any recent bill showing your residential address).

For Taxi Drivers:

• Identification Card (NRIC).
• Vocational License.
• Taxi Pass.
• Minimum of 7 days’ job summary.
• Proof of billing (any recent bill showing your residential address).