Last updated on April 28th, 2026 at 03:02 pm
Key Takeaways
- MinLaw requires every licensed moneylender to meet you in person at their registered office before any loan is disbursed. There are no exceptions.
- The in-office process at EZ Pte Ltd takes approximately 15 minutes once you arrive with all required documents.
- Singapore Citizens and PRs need their NRIC only. Income is retrieved automatically via Singpass MyInfo. Foreigners need their passport, valid work pass, and a tenancy agreement or utility bill. Pay slips are recommended as backup in case Singpass income data is incomplete.
- The loan officer will explain every term before you sign. You will receive a copy of the signed contract before leaving.
- Apply online via Singpass MyInfo at ezmoneylender.sg before your visit. This cuts the in-office time significantly.
- EZ Pte Ltd is at 150 South Bridge Road, #01-02, Fook Hai Building. Two minutes from Chinatown MRT Exit E or F.
- You will never be asked to pay anything before the loan is disbursed. The admin fee is deducted from the loan amount after approval, not before.
Most People Research for Days. Then Stand Outside the Door and Hesitate.
You did the research. You found EZ Pte Ltd. You verified the license on MinLaw. You know the address.
And then you stood outside, or sat at home with the application tab open, and paused.
Not because you changed your mind. Because you did not know what was going to happen on the other side.
Will the officer ask questions that make you uncomfortable? Will you forget a document and have to come back? Will you be sitting there for an hour not knowing what is going on? Will they look at your situation and make you feel judged for needing a loan?
These are real concerns. And they are the exact reason people delay. Not because they do not need the money. Because the unknown is uncomfortable.
This post removes the unknown entirely. By the time you finish reading, you will have mentally walked through your entire first visit at EZ Pte Ltd in Chinatown before you leave your house. Every document. Every step. Every minute of the process. And the things that will not happen, so you know those are off the table too.
Why First-Visit Anxiety Is Not Irrational
The hesitation is not a character flaw. There are three specific fears behind it.
Fear one: the wrong documents. You travel to Fook Hai Building, sit down, and discover you are missing something. Now you have to come back. That is an hour of your day wasted, the embarrassment of the trip, and another day without the money you need.
Fear two: the judgment. Going to a licensed moneylender still carries a social weight for many Singaporeans. The worry is that the loan officer will see your situation, your income, your history, and treat you differently because of it.
Fear three: the process itself. What do they actually do once you sit down? What questions will they ask? What documents will they look at? What happens if you do not qualify? Nobody explains this clearly.
All three fears share the same root. Nobody told you what to expect.
Here is what to expect.
Step One: Apply Online Before You Go
Do this before you travel. It saves time at the office and signals to the loan officer that you are prepared.
Go to ezmoneylender.sg and complete the online application using Singpass MyInfo. The form takes approximately two minutes. Your personal details, employment information, and income data are pulled automatically from Singpass. You do not type it manually.
Before applying, verify EZ Pte Ltd on the MinLaw Registry at rom.mlaw.gov.sg. Search for “EZ Pte Ltd” and confirm the license number, address, and phone number match exactly. If you are unsure what to look for or want to know the red flags of fake lenders, read our guide on how to spot a licensed moneylender scam in Singapore first.
Once submitted, EZ’s team will review your initial application and contact you to confirm your appointment. This is also the point where any obvious eligibility issue surfaces before you make the trip. If your income falls outside the borrowing limits or your MLCB record suggests an issue, you will be informed before you travel. No wasted journeys.
If you prefer, you can call +65 6220 0822 directly to arrange your visit.
Step Two: Know Exactly What to Bring
This is where most first-time borrowers go wrong. They assume they need a stack of documents. For most Singaporeans and PRs, the list is shorter than you think.
Bring originals. Photocopies alone are not accepted for identity verification.
Singapore Citizens and Permanent Residents
| Document | What to Bring |
| Identity | NRIC (original) |
| Income | Retrieved automatically via Singpass MyInfo. No pay slips needed for most borrowers. |
That is it for the majority of salaried Singapore Citizens and PRs. EZ Pte Ltd pulls your income and employment data directly from Singpass MyInfo during the online application. You do not need to bring payslips to the office.
One exception: if you are self-employed or your income is irregular, bring your latest Income Tax Notice of Assessment or recent bank statements as backup. Singpass MyInfo captures IRAS and CPF data but may not fully reflect all income sources for self-employed borrowers. Having the documents with you removes any uncertainty at the office.
PRs are treated the same as Singapore Citizens. NRIC and Singpass MyInfo are all that is needed.
Foreigners with Valid Work Passes
| Document | What to Bring |
| Identity | Passport (original) |
| Work authorization | Valid work pass: Employment Pass, S Pass, Work Permit, Dependent Pass, or LTVP with permit to work |
| Income | Retrieved via Singpass MyInfo. Bring your latest pay slips as backup in case your Singpass income data is incomplete. |
| Proof of residence | Tenancy agreement or utility bill showing your Singapore address (mandatory) |
Your work pass must have a minimum of six months validity remaining at the time of application.
Foreigners can also use Singpass MyInfo for income retrieval. Bring your pay slips anyway. If the income data in Singpass is current and complete, they will not be needed. If there is a gap, having them avoids a second trip.
The 15-Minute Walkthrough: What Happens Once You Arrive
You have applied online. You have your documents. You walk into 150 South Bridge Road, #01-02, Fook Hai Building.
Here is what happens, in order.
You are greeted and seated. The office is small, straightforward, and private. You are not processed in an open waiting area where other people can hear your conversation. Your situation is your own business.
The loan officer reviews your documents. They check your NRIC or passport first. Then your income documents. This takes three to four minutes. They are confirming that your documents match the information submitted in your online application.
Your MLCB report is retrieved. The officer asks for your consent and pulls your Moneylenders Credit Bureau report in real time. This shows your current active loans with licensed moneylenders, outstanding balances, and your 12-month repayment history. It does not show your bank credit cards or mortgage. It does not include your CBS credit score. If you want to understand what your MLCB record contains before your visit, you can pull it yourself at mlcb.com.sg for SGD 0.50 via Singpass.
The officer explains your loan offer. Based on your income and MLCB record, they tell you how much you qualify to borrow, what the monthly repayment looks like, and the full cost of the loan. This includes the interest rate, the admin fee, and what the late payment fee would be if you miss a payment. Nothing is hidden. Everything is on the table before you decide.
You ask any questions you have. The loan officer is required by MinLaw to explain the terms of the loan in a language you understand. If something is not clear, ask. That is what this part of the process is for. There is no pressure to decide immediately.
You agree and sign the contract. If you are satisfied with the terms, you sign the loan contract at the office. You receive your own copy of the signed contract before you leave. Keep it. It is your record of the agreed terms.
The loan is disbursed. The money is transferred to your bank account or disbursed in cash, depending on the arrangement. For most borrowers, this happens the same day, often within the hour.
Start to finish, from the moment you sit down with your documents in hand: approximately 15 minutes. If you visit during peak hours such as lunch time or after 5pm on weekdays, factor in a short wait before your turn begins. The 15 minutes refers to the process itself, not the queue.
Two Real Scenarios: What the Visit Looks Like in Practice
Reading the steps in the abstract is one thing. Seeing them applied to a specific person is clearer. Here are two examples of how the first visit plays out.
Scenario One: Salaried Singapore Citizen
Rajan is a 34-year-old warehouse supervisor earning SGD 2,800 a month. His bank rejected a personal loan application because his CBS score dropped after three missed credit card payments two years ago. He needs SGD 5,000 to cover a family medical bill.
He applies online at ezmoneylender.sg using Singpass MyInfo. The form takes two minutes. His income, employer, and CPF data pull through automatically.
EZ contacts him the same day to confirm his appointment for the following morning at Fook Hai Building.
He arrives at Chinatown MRT, walks two minutes to 150 South Bridge Road, and takes the lift to #01-02. He brings his NRIC. Nothing else is needed.
The loan officer retrieves his MLCB report with his consent. It shows no active moneylender loans. Clean record. His monthly income of SGD 2,800 means he can borrow up to SGD 16,800 across all licensed moneylenders. SGD 5,000 is well within his limit.
The officer presents the loan terms: SGD 5,000 principal. SGD 500 admin fee deducted at disbursement, so Rajan receives SGD 4,500 in hand. Interest at 4% per month on the outstanding balance. Repayment over six months. The officer calculates the monthly payment and shows Rajan the full repayment schedule before he decides.
Rajan asks two questions. The officer answers both in plain English. Rajan signs the contract and receives his copy. The loan is disbursed to his bank account the same afternoon.
Total time at the office: 14 minutes.
His CBS score was irrelevant. His bank rejection had no bearing on the outcome. If you are unclear on why that is, read our guide on bad credit loan Singapore moneylender.
Scenario Two: Foreigner on S Pass
Priya is a 28-year-old retail supervisor from India on an S Pass, earning SGD 3,200 a month. She has been in Singapore for 14 months. She needs SGD 3,000 for a flight home and deposits for a new flat after relocating.
She applies online via Singpass MyInfo. Her employment and income data pull through. Her S Pass has 18 months remaining, well above the six-month minimum.
EZ Pte Ltd contacts her to confirm her appointment at Fook Hai Building.
She brings her passport, S Pass, and tenancy agreement. She also brings her last three pay slips as backup. The Singpass data is current and complete, so the pay slips are not needed, but having them removes any uncertainty.
At the office, the loan officer retrieves her MLCB report. No prior moneylender loans. Clean. Her monthly income of SGD 3,200 means she can borrow up to SGD 19,200 total. SGD 3,000 is well within limits.
The officer explains the terms in English. Priya has a question about what happens if her salary is delayed and she misses a payment. The officer explains: the late fee is capped at SGD 60 per month, and late interest is capped at 4% per month on the overdue amount only. No additional penalty beyond those figures.
Priya signs. She receives her copy. The loan is disbursed the same day.
Total time at the office: 16 minutes.
For a more detailed breakdown of what foreigners need to prepare, read our foreigner loan Singapore guide.
This section matters as much as the walkthrough above.
They will not keep your NRIC. A licensed moneylender must return all original documents after verification. Any lender who keeps your NRIC is breaking the law. At EZ Pte Ltd, your documents are verified and returned immediately.
They will not pressure you to borrow more than you asked for. The loan amount offered is based on your income and MLCB record. You are not pushed toward a higher amount.
They will not ask for money before the loan is disbursed. No processing fee upfront. No GST payment. No insurance charge. The admin fee is capped at 10% of the principal and is deducted from the loan amount at disbursement. If you borrow SGD 2,000, the admin fee is SGD 200. You receive SGD 1,800 in hand. That SGD 200 is never collected separately and never paid before you receive anything.
The interest rate is capped by MinLaw at 4% per month on the outstanding principal. If you miss a payment, the late fee is capped at SGD 60 per month, and late interest is capped at 4% per month on the overdue amount only. These are the only fees a licensed moneylender can legally charge. The officer will state all of these numbers clearly before you sign. Nothing is revealed after the fact.
They will not judge you for needing a loan. The loan officer has seen every situation. Medical emergencies. Business cash flow gaps. Rental shortfalls. Salary delays. People come to Fook Hai Building because they need help. That is the job. You will be treated like someone who came in with a need, not someone who should explain themselves.
They will not approve a loan you cannot repay. MinLaw requires lenders to assess your repayment ability before disbursing. If the loan amount you requested exceeds your legal borrowing limit based on income, the officer will tell you. You will be offered what you can legitimately borrow, or none at all if you do not qualify. That is the law, and that is how EZ operates.
Getting to EZ Pte Ltd at Fook Hai Building
By MRT: Take the North East Line or Downtown Line to Chinatown MRT. Use Exit E or Exit F. Walk straight out of the exit. Fook Hai Building is a two-minute walk from the station. 150 South Bridge Road is on the left as you walk toward the shophouses.
By bus: Multiple buses stop along South Bridge Road and New Bridge Road. Bus 61, 63, 80, 145, 166, and 174 all stop within a five-minute walk of Fook Hai Building.
By car: Parking is available at People’s Park Complex and Chinatown Point, both within a five-minute walk. Street parking on South Bridge Road is limited, particularly on weekday afternoons.
The Chinatown MRT route is the fastest and most straightforward. Two stops from Outram Park. Three stops from Clarke Quay.
Office hours: Monday to Friday, 11am to 7pm. Saturday, 11am to 6pm. Closed Sunday.
EZ Pte Ltd has operated at this same address since 2004. The office has not moved. The number on the MinLaw registry and the number on the door are the same.
Frequently Asked Questions
Do I need to make an appointment before my first visit to a licensed moneylender in Singapore? Yes. Apply online at ezmoneylender.sg via Singpass MyInfo or call +65 6220 0822 to arrange your visit before travelling to Fook Hai Building. Walk-ins may be accommodated depending on officer availability, but scheduling your visit in advance avoids waiting. The online application also flags any eligibility issues before you make the trip.
How long does a first visit to a licensed moneylender in Singapore take? The in-office portion of the process takes approximately 15 minutes once you are seated with all required documents. Incomplete documents extend the time or require a return visit. Completing your Singpass MyInfo application online before arrival reduces the office time further.
Can I borrow from EZ Pte Ltd in Chinatown if I have never borrowed from a moneylender before? Yes. First-time borrowers are welcome. Your MLCB report will show no prior moneylender history, which is a clean record. Eligibility is assessed based on your income and the total borrowing limits set by MinLaw. If your annual income is SGD 20,000 or above, you can borrow up to six times your monthly income. If your income is below SGD 20,000, the cap is SGD 3,000.
What happens if I do not qualify after arriving at the office? You are told clearly and respectfully. There is no penalty for not qualifying. You leave without any obligation. If you applied online before your visit and eligibility concerns were identified early, you will be informed before travelling in.
Will the loan officer speak English? What if I need help in Mandarin? EZ Pte Ltd serves the Chinatown community and can accommodate Mandarin-speaking borrowers. MinLaw requires that loan terms are explained in a language the borrower understands before signing. If you need the terms explained in Mandarin, inform the officer at the start of your visit.
Is the Singpass MyInfo application safe? Does it give EZ Pte Ltd access to my Singpass account? The Singpass MyInfo integration retrieves specific fields of your data with your explicit consent. It does not give EZ Pte Ltd access to your Singpass account or password. You log into Singpass on your own device, select the fields to share, and the data is sent directly. You are in control at every step.
Walk In Knowing What to Expect. Walk Out With What You Need.
The first visit is the hardest part. Not because the process is difficult. Because you did not know what it looked like until now.
You have the documents list. You have the walkthrough. You know what the officer will and will not do. You know how to get there from Chinatown MRT. You know how long it takes.
The only thing left is to go.
Apply online first at ezmoneylender.sg using Singpass MyInfo. Two minutes. Your details are pre-filled.
Then walk into 150 South Bridge Road, #01-02, Fook Hai Building, Singapore 058727. Two minutes from Chinatown MRT Exit E or F. Monday to Friday, 11am to 7pm. Saturday, 11am to 6pm.
Or call first at +65 6220 0822 if you have questions before coming in.
You already know where you are going. Come in.
