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Winz Credit

Winz Credit Review
(Product Review)

By Trinh Thanh Winz 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%

    Winz Credit 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

    Winz Credit is a licensed moneylender in Singapore, specializing in personal loans, business loans, payday loans and foreigner loans. With a focus on simplicity and efficiency, Winz Credit provides quick loan approvals, flexible repayment options and transparent lending practices. Whether you need financial assistance for personal or business purposes, Winz Credit offers tailored solutions to meet your needs with reliability and trust.

    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
    Kaiiron
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.8  
    $1,060.58
    Check Eligibility
    Best Licensed Moneylender
    Address
    1.88%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $938.64
    Check Eligibility
    Fast Money
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.5  
    $1,060.58
    Check Eligibility
    365 Credit Solutions
    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
    BST Credit
    Address
    3.92%
    Grocery Vouchers
    Up to 1% Cashback
    4.9  
    $1,060.58
    Check Eligibility
    Katong 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
    Goldstar Credit
    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

    Winz Credit Application Requirements

    Eligibility Criteria:
    To qualify for a loan with Winz Credit, you must meet the following requirements:

    • Be at least 21 years old.
    • Be a Singapore Citizen, Permanent Resident or foreigner with a valid Work Pass.
    • Maintain stable employment or a consistent source of income.
    • Have a clean credit history without bankruptcy records.

    Documents Required:
    To apply for a loan, you’ll need to provide the following:

    For Singapore Citizens / Permanent Residents:

    • NRIC (original)
    • Recent 3 months’ payslips or an employment letter
    • CPF contribution statements or Income Tax Notice of Assessment

    For Foreign Workers:

    • Passport
    • Valid Work Pass, S Pass or Employment Pass
    • Proof of residence (utility bills, tenancy agreements, etc.)
    • Latest 3 months’ payslips

    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.

    Winz Credit Highlights

    • Wide Range of Loan Services

      From personal loans to debt consolidation loans, Winz Credit provides solutions for various financial needs.

    • Quick and Easy Application

      Fast loan approvals with minimal hassle, ensuring timely access to funds.

    • Customized Loan Packages

      Flexible repayment terms designed to suit individual circumstances.

    • Transparent Practices

      No hidden fees; all terms are communicated clearly.

    • Customer-Centric Approach

      Dedicated professionals guide borrowers through every step of the process.

    Frequently Asked Questions

    Is Winz Credit a licensed moneylender?

    Yes, Winz Credit is a licensed moneylender regulated by the Ministry of Law in Singapore.

    What types of loans does Winz Credit offer?

    Winz Credit provides personal loans, business loans, debt consolidation loans and life stage financing.

    Are there any hidden fees?

    No, Winz Credit guarantees full transparency with no hidden charges.

    How flexible are the repayment plans?

    Repayment plans are tailored to fit each borrower’s financial circumstances.