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Apply NowToday’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%
Synergy Credit is a licensed moneylender based in Clementi Singapore. Founded in 2009, the company is a proud member of the Credit Association Singapore. Over the years, it has provided more than $16 million in financing to 1,981 clients.
The lender offers a wide range of loan products such as fast cash loans, business loans, working capital loans, medical loans, study loans, wedding loans, debt consolidation loans as well as special packages for Grab, Gojek and food delivery riders. Interest rates are highly competitive with fast cash loans starting at around 1% to 4% while business loans are typically set at 3%. Processing fees begin from 5%.
Synergy Credit is known for its efficient and customer-friendly process. Borrowers can complete an online application within minutes, receive status updates promptly, then get their funds disbursed in as fast as 30 minutes.
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.
*Today's Moneylenders Rates - 15 January 2026
To apply for a loan at Synergy Credit, applicants must meet the following requirements:
Eligibility Criteria:
Documents Required:
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
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]
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 loan offers in real-time through your application dashboard. Our customer success team is available to discuss loan details.
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.
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.
Operating since 2009, Synergy Credit has disbursed over $16 million to almost 2,000 customers. Synergy Credit is also a member of the Credit Association Singapore (CAS).
The interest rates for the fast cash loan range from 1% to 4% and as low as 3% for business loans, while the processing fees start from 5%.
The most reviewed and licensed money lender in Clementi, with over 1,000 5-star reviews, is highly rated in terms of customer service and professionalism.
Customized loan schemes matching the needs and profile of different customers.
Loan processing and disbursement within 30 minutes.
