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JR Credit

JR Credit Moneylender
(Product Review)

By Trinh Thanh JR Credit

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

    JR Credit is a reputable licensed moneylender in Singapore, offering a variety of loan products, including fast cash loans, SME business loans, payday loans, personal loans and a unique private-hire driver loan. Known for their efficient approval process, often completed within 30 minutes, they stand out with competitive interest rates and transparent terms.

    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

    Their commitment to customer satisfaction is evident in their professional approach and streamlined services. The company also has some unique loan products. For example, JR Credit’s payday loans are designed to help salaried workers meet cash shortages in the middle of the month. Additionally, their private-hire driver loan offers flexible and affordable financing options tailored to the needs of drivers.

    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
    Dio Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    1st Capital
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.7  
    $1,060.58
    Check Eligibility
    Majestic Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.5  
    $1,060.58
    Check Eligibility
    Soon Seng Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Sincere Moneylender
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Lending Bee
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Credit Assist
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    HS Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    A1 Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Cash Direct
    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

    JR Credit Application Requirements

    To apply for a loan through JR Credit, you need to:

    • Be at least 21 years old
    • Have a valid NRIC, Passport or Foreign Identification Card (FIN)
    • Provide proof of income (e.g., payslips, CPF statements or bank statements)

    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.

    JR Credit Highlights

    • Swift Approval

    Loans are often approved within 30 minutes, ensuring quick access to funds.

    • Unique Loan Products

    Offers a comprehensive range of loan options tailored to different needs.Flexible and affordable financing specifically for private-hire drivers, with repayments stretched over a longer period.

    • Transparent Rates

    Competitive interest rates with no hidden fees.

    • Easy Application

    Simple and straightforward online application process.

    Frequently Asked Questions

    How does the loan process work at JR Credit?

    JR Credit offers a streamlined loan application process on their website, focusing on swift approvals and top-notch customer service. Experienced loan officers guide borrowers through each step.

    What loan options are available at JR Credit?

    JR Credit provides fast cash loans, SME business loans, payday loans, personal loans and a unique private-hire driver loan.

    How quickly are loans approved?

    Loans are typically approved within 30 minutes to one business day, ensuring prompt access to funds.

    Is JR Credit a licensed moneylender?

    Yes, JR Credit is a licensed moneylender regulated by Singapore's Ministry of Law.

    How quickly can a loan be approved?

    To apply, you need to provide a valid ID (NRIC, Passport or Foreign ID) and proof of income, such as payslips, CPF statements or bank statements.

    How can I check my eligibility for a loan with JR Credit?

    You can use their Online Enquiry service to quickly determine your loan eligibility. This service is easy to use and saves time, helping you avoid potential frustration.

    What advantages do JR Credit’s payday loans offer?

    JR Credit’s payday loans are designed to help salaried workers manage mid-month cash shortages. Loan advisors work with you to arrange a suitable loan package, offering a flexible financial solution with high approval rates.

    What is unique about JR Credit’s private-hire driver loan?

    The private-hire driver loan is designed for flexibility and affordability, with repayments stretched over a longer period, making it easier for drivers to pay off their loans each month. The application process is simple and requires proof of income (weekly payslips from the private-hire app) and Singaporean/PR status. Once documentation is verified and the agreement is signed, cash or cheque is provided at the counter.

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