Platform comparison
ROSHI and Credible.sg both present themselves as loan-matching platforms. The right choice depends on the providers available to you and the affordability of the final written offer.
ROSHI describes a marketplace where banks and licensed moneylenders can compete for borrowers. Credible.sg also uses a matching approach with screened lending partners. In both cases, current lender participation and your profile determine which offers appear.
The most useful comparison is not simply the number of lenders. It is whether the available providers fit your residency, income, requested amount and repayment capacity.
Compare principal received, interest method, EIR, processing fee, late charges, total payable amount, tenure, early repayment terms and verification process. Ask for a written offer and the lender’s legal details before making a decision.
A professional-looking marketplace does not replace official verification. The Ministry of Law warns about impersonation, advance-fee scams and illegal online lending. Keep the final safety check with official registers and the provider’s approved business location.
Verify before you borrow
Rates, eligibility, promotions and lender availability change. Check the Ministry of Law Registry of Moneylenders for licensed moneylenders and the Monetary Authority of Singapore for regulated financial institutions. For credit-report questions, refer to Credit Bureau Singapore.
Credible.sg is a loan-matching platform, not a lender. Applying is free, but approval and final terms are determined by the lender.
Common questions
Still unsure about something? Message us on WhatsApp and a real person will walk you through it.
No. Credible.sg is a loan-matching platform operated by Simple Stack Pte Ltd. The loan, rate, fees, approval, and disbursement come from the matched lender.
Credible.sg matches applicants with lending partners that are screened for the platform. Always verify the final lender and its current status against the Ministry of Law Registry of Moneylenders or the relevant MAS register before signing.
No. Comparing an offer does not obligate you to accept it. Review the written rate, EIR, fees, repayment schedule, and lender details first.
It depends on the borrower and the live provider offers. No platform can truthfully promise that it will always be cheaper.
Make an informed choice
Submit one application and review the available terms. There is no obligation to accept an offer.
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