OT Credit 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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OT Credit Product Review

OT Credit is a well-known licensed moneylender in Singapore that is dedicated to providing relevant and transparent financial solutions. With a commitment to assisting individuals in overcoming short-term cash flow challenges, OT Credit provides a range of services in personal loans, payday loans and business loans. Borrowers can enjoy an easy application process and flexible repayment plans at relatively affordable interest rates. OT Credit is compliant with regulatory requirements of the Ministry of Law, which guarantees safe and reliable lending practices.

Current Moneylender Interest Rate Trends

Today’s moneylender interest rate trends in Singapore – As of Saturday, March 14th, 2026, moneylenders in Singapore are charging an average monthly interest rate of 3.84%

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

W

Winz Credit

Address

3.92%

4.9  

$1,060.58

Sands Credit

Address

3.92%

4.6  

$1,060.58

101 Credit

Address

3.92%

4.9  

$1,060.58

OT Credit

Address

3.92%

4.9  

$1,060.58

Quick Credit

Address

3.92%

5.0  

$1,060.58

S

Sincere Moneylender

Address

3.92%

5.0  

$1,060.58

GS Credit

Address

3.92%

4.9  

$1,060.58

Unlimited Finance

Address

3.92%

4.8  

$1,060.58

All lenders verified against Ministry of Law registry. Last updated: March 14 2026.

OT Credit Application Requirements

Applying for a loan at OT Credit is straightforward. To qualify, applicants must meet the following criteria:

• Be between 18 and 65 years old at the time of application.
• Have a stable source of income.

Documents Required:

• Proof of Identification: NRIC (for Singapore Citizens and Permanent Residents).
• Income Proof: Copies of salary slips for the past three months or equivalent documentation showing a stable income.
• Proof of Residence: Utility bills, tenancy agreements or other documents verifying your residential address.
• Credit Bureau Report (CBS Report): A recent copy of your credit report.