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Sands Credit Review

Sands Credit Review
(Product Review)

By Trinh Thanh Sands 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

    Sands Credit is a licensed money lender in Singapore that offers fast and reliable financial solutions tailored to your needs. Whether you’re facing an emergency, planning a major purchase or looking for business capital, Sands Credit provides quick loan approvals, flexible repayment terms and competitive interest rates.

    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
    118 Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    101 Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    I Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Prosper Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Cash Mart
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Winz Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Credit Excel Capital
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    3.9  
    $1,060.58
    Check Eligibility
    KST Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Credit Assist
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $1,060.58
    Check Eligibility
    Crawfort
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.8  
    $1,060.58
    Check Eligibility
    Show All Lenders

    *Today's Moneylenders Rates - 15 January 2026

    With a commitment to transparency and customer-centric service, Sands Credit ensures a hassle-free borrowing experience. Their services range from personal loans to business financing, debt consolidation and education loans, making it easier for borrowers to access the right financial support without hidden fees or unnecessary delays.

    Sands Credit Application Requirements

    Applying for a loan at Sands Credit is simple and requires the following eligibility criteria and documents:

    Eligibility Criteria:

    • Must be at least 21 years old
    • Must be a Singapore Citizen, Permanent Resident or a foreign worker with a valid work pass

    Documents Required:
    For Singapore Citizens & Permanent Residents:

    • NRIC
    • Latest 3 months’ payslips
    • CPF contribution statements
    • Proof of address (e.g., utility bill, phone bill, tenancy agreement)

    For Foreign Workers:

    • Passport
    • Valid work pass (S-Pass, E-Pass, work permit or employment letter)
    • Latest 3 months’ payslips
    • Proof of address

    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.

    Sands Credit Highlights

    • Quick Loan Approvals

      Fast processing to meet urgent financial needs.

    • Flexible Loan Options

      Personal, business, education and debt consolidation loans.

    • Competitive Interest Rates

      Transparent pricing with no hidden fees.

    • Licensed Moneylender

      Fully accredited by Singapore’s Ministry of Law.

    • Customer-Focused Service

      Personalized loan solutions tailored to individual financial situations.

    Frequently Asked Questions

    Is Sands Credit a licensed moneylender?

    Yes, Sands Credit is legally licensed and regulated by Singapore's Ministry of Law, ensuring compliance with all lending regulations.

    How long does it take to get loan approval?

    Loan approvals typically take just a few hours, allowing you to access funds quickly when needed.

    What types of loans does Sands Credit provide?

    Sands Credit offers personal loans, business loans, renovation loans, education loans and debt consolidation loans.

    Can I apply for a loan online?

    Yes, you can apply for a loan through Sands Credit’s online application portal for added convenience.

    What happens if my loan application is rejected?

    If your loan application is unsuccessful, Sands Credit will not disclose the specific reason, as per company policy. However, you may reapply in the future if your financial situation improves.

    External Reviews

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