Winz 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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Winz Credit Product Review

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.

Current Moneylender Interest Rate Trends

Today’s moneylender interest rate trends in Singapore – As of Tuesday, July 28th, 2026, moneylenders in Singapore are charging an average monthly interest rate of 3.68%

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

1 2 Lend

Address

3.92%

5.0  

$1,060.58

Sands Credit

Address

3.92%

4.6  

$1,060.58

JR Credit

Address

3.92%

4.0  

$1,060.58

Magnus Credit

Address

3.92%

Grocery Vouchers

Up to 1% Cashback

4.8  

$1,060.58

Alpha-8 Credit

Address

3.92%

4.9  

$1,060.58

W

Winz Credit

Address

3.92%

4.9  

$1,060.58

Hup Hoe Credit

Address

3.92%

5.0  

$1,060.58

OT Credit

Address

3.92%

4.9  

$1,060.58

All lenders verified against Ministry of Law registry. Last updated: July 28 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