roshi-logo
Login
Loan Marketplace Apply Now
HS Credit Review

HS Credit Review
(Product Review)

By Trinh Thanh HS 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%

    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

    HS Credit, established in 2019, is a licensed money lender in Singapore operating under the Ministry of Law’s Registry of Moneylenders. Renowned for transparent processes, competitive interest rates and exceptional customer service, HS Credit offers a variety of loan products tailored to meet both personal and business financial needs. Their efficient loan approval system ensures quick access to funds, often within 25 minutes, making them a preferred choice for many borrowers.

    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
    Cash Mart
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Unlimited Finance
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.8  
    $1,060.58
    Check Eligibility
    ABI Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Prosper Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Bugis Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Vera Capital
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.6  
    $1,060.58
    Check Eligibility
    Swift Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    SKM Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.4  
    $1,060.58
    Check Eligibility
    1 Fullerton Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    MoneyPlus Capital
    Address
    2.89%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $998.04
    Check Eligibility
    Show All Lenders

    *Today's Moneylenders Rates - 15 January 2026

    HS Credit Application Requirements

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

    Eligibility Criteria:

    • At least 21 years old.​
    • Singapore Citizen, Permanent Resident or foreigner with a valid work pass or employment documentation.

    Documents Required:

    • NRIC or passport.​
    • Proof of residency (e.g., utility bill or tenancy agreement).​​
    • Employment verification (e.g., payslips, CPF contributions or an employment letter).​​
    • Other financial documents, if required.

    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.

    HS Credit Highlights

    • Quick Application Process

      Online applications with approvals in as little as 25 minutes.​​

    • Tailored Loan Plans

      Flexible repayment options based on your financial capacity.​​

    • Transparent Terms

      No hidden fees or confusing conditions. Everything is clear and straightforward.​

    • Multiple Loan Types

      Personal, payday, business, renovation, bad credit and debt consolidation loans.​

    • Trusted Licensed Provider

      Fully accredited by Singapore’s Ministry of Law.

    Frequently Asked Questions

    How do I apply for a loan with HS Credit?

    Fill out the online enquiry form or visit their office. The process is quick and user-friendly, with guidance provided at every step.

    What are the repayment terms for loans?

    HS Credit offers flexible repayment plans tailored to suit your financial situation, ensuring you can manage repayments comfortably.

    Can I apply for a loan without a payslip?

    Yes, HS Credit considers other forms of income verification for applicants without traditional payslips.

    What types of loans does HS Credit offer?

    They offer personal, payday, business, renovation, bad credit and debt consolidation loans.

    Are there any fees for early repayment?

    HS Credit encourages early repayments without any penalties or extra charges.

    External Reviews

    Moneylender Review

    Click here