Money worries are heavy enough without wondering if the lender is safe, or whether you will be judged for walking in. EZ Pte Ltd is licensed by the Ministry of Law, and you can check our name on their public registry before you tell us anything. Then come in, ask whatever you like, and be spoken to with respect. Borrow only when you are ready.
Every licensed moneylender in Singapore is on one public list, kept by the Ministry of Law. No exceptions. A lender is either on that list or they are not. A loan shark never is. So before you trust anyone, including us, do this first: open the Ministry of Law registry and find our name. It takes under a minute. We would rather you checked.
For the bill that cannot wait, the salary gap, or debts you want under one roof.
Cash flow, stock, or the gap between invoices for your SME.
Support for the moments and expenses that cannot wait.
So a place your child earned is never lost over money.
Use our loan calculator to estimate your monthly instalment, total interest and total repayment before you apply. Adjust the loan amount, loan tenure and monthly interest rate to see how the figures change. Results are for illustration only and your actual loan offer is subject to assessment.
A few minutes. Your income is pulled safely so we can tell you what you qualify for. Not ready to log in? WhatsApp us and we will walk you through it, or just walk in.
We talk through what you need. No pushing. No pressure to take more than you came for.
We sit with you and explain every term in English or Chinese. You read everything before you sign a thing.
The full amount, minus only the one admin fee the law allows. Nothing withheld. Nothing hidden. For straightforward applications with documents ready, approval and payout can both happen in as little as 30 minutes, in the same visit. Your own timeline depends on your documents and your profile, and we will tell you honestly where you stand.
Straightforward applications from 30 minutes*
150 South Bridge Road
#01-02 Fook Hai Building
Singapore 058727
Monday–Friday: 11am–7pm
Saturday: 11am–6pm
Sunday and public holidays: Closed
Three minutes from Chinatown MRT
Exit E or F
+65 6220 0822
Walk-ins are welcome.
Straight answers about approval time, Singpass, borrowing limits, interest and repayments.
As fast as 30 minutes from when you sit down with us, approved and paid out in the same visit. That is the best case, for someone with straightforward income and documents ready.
If your situation is more complicated—self-employed income, an existing loan, or patchy documents—it will take longer while we work through it properly.
Bring your:
We will tell you honestly within minutes which case you are.
Licensed. We are on the Ministry of Law registry and you can check our name yourself before you contact us.
A loan shark harasses you, holds your NRIC, and hides the terms. We do none of that. It is against the law.
Singpass is the government’s own login, the same one you use for CPF and IRAS. It lets us see your verified income safely, so we can tell you what you qualify for without you digging up documents.
We never see your password. If you would rather not use it, WhatsApp or call us and we will help you another way.
It depends on your income.
If you earn under $20,000 a year, up to $3,000. If you earn more, up to six times your monthly income, counting every licensed lender together.
When you check with Singpass, we can tell you your figure straight away.
The most any licensed lender can charge is 4% a month, under Ministry of Law regulations. Your rate is set after we assess your application.
By law, the total of all interest and fees can never add up to more than the loan itself.
If a payment is late, the law allows:
That is the honest answer. The better answer is this: tell us early. Come in or message us before the date. We would far rather work out a way through with you than let it grow.
We check the Moneylenders Credit Bureau, so your record matters. But a bank saying no does not always mean we will.
If your situation is not straightforward, come in and talk to us. We will tell you honestly where you stand and what your options are.
Yes. Foreigners living and working in Singapore can borrow from licensed lenders.
Check with Singpass and we will tell you your exact figure.
Our customer reviews speak for themselves. Here’s what our satisfied borrowers say:
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