If you are reading this page before borrowing, you are doing it right. Singapore makes it unusually easy to tell a legal lender from a loan shark, because the Ministry of Law publishes one list of every licensed moneylender in the country. This page shows you how to use it, what the law forces a licensed lender to do, and what it forbids. Use all of it on us before you use it on anyone else. EZ Pte Ltd has been in Chinatown since 2004, and our name is on that list.
Every licensed moneylender in Singapore appears on the Registry of Moneylenders list, published by the Ministry of Law at rom.mlaw.gov.sg. No exceptions, no partial listings, no “pending” status you should accept. A lender is on the list or they are not. Here is the whole check:
Go to the Ministry of Law’s Registry of Moneylenders page and open the list of licensed moneylenders. Only trust the mlaw.gov.sg address. A lender sending you their own PDF of “the list” does not count.
Find the lender’s entry and match the business name, the licence number, and the address, all three, against what the lender told you. Scammers borrow real licence numbers and real company names from legitimate lenders. The address is usually where the lie breaks.
The final check no scammer survives. A licensed moneylender must operate from its approved place of business, and every loan must be signed there in person. If there is no office to walk into, there is no licence behind the offer.
That is the whole framework. Under a minute online, one visit in person. We would rather you ran it on us before telling us anything, which is why it is the first thing this website asks you to do.
| What happens | Licensed moneylender | Loan shark |
|---|---|---|
| On the Ministry of Law registry | Always | Never |
| Where the loan is signed | In person, at the approved office | Anywhere, or nowhere, often fully by phone |
| Interest | Capped at 4% a month by law | Whatever they decide, changing whenever they decide |
| Your NRIC | Never held or kept | Often held as leverage |
| The contract | Full written copy you keep, explained before signing | Missing, blank, or hidden |
| If you are late | Late fee capped at $60 a month, late interest only on the overdue amount | Harassment, threats, doubling debts |
| Your family | Never contacted with threats. It is illegal. | The first people they call |
You have the right to full disclosure of all terms, fees and charges.
You have the right to be treated with respect and without harassment.
You have the right to privacy and protection of your personal data.
You have the right to make a complaint and seek assistance.
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.
Open the Ministry of Law’s list of licensed moneylenders at rom.mlaw.gov.sg and match the lender’s name, licence number, and address, all three. Then confirm the office exists by visiting it. A lender missing from the list, or refusing an office visit, is not licensed.
They can quote one, usually stolen from a real lender. That is why you match the name, number, and address together, and why the walk-in is the final check.
No. Licensed moneylenders cannot advertise through SMS, chat messages, or social media. An unsolicited loan message is illegal advertising, which tells you what kind of lender sent it.
4% a month, under Ministry of Law regulations, regardless of your income or loan type. And total interest plus fees can never exceed the amount borrowed.
The Registry of Moneylenders or the police. If you are being harassed, report it even if you borrowed from them. Harassment is a crime regardless of the debt.
Yes. Licence 20/2026, at 150 South Bridge Road, #01-02 Fook Hai Building. Check it yourself before you contact us. We would rather you did.
Sixty seconds of checking is the difference between a regulated loan and a year of fear. Run the check on us first. Then decide in your own time.
