A neutral alternative guide
ROSHI promotes a marketplace model connecting borrowers with banks and licensed moneylenders. Credible.sg offers another route focused on matching applicants with screened lending partners and reviewing real offer terms.
Both reduce the need to contact lenders one by one. A single application may produce multiple potential offers, which can make it easier to compare repayment terms and lender fit.
Neither platform makes the final lending decision. Approval, pricing, fees, verification and disbursement remain the responsibility of the provider named in the offer.
Rewards can be useful, but compare the full cost first. A cashback amount should not distract from EIR, processing fees, late charges, tenure or the total amount payable. Check the reward’s conditions and whether it requires accepting a particular offer.
Use the official Ministry of Law registry for licensed moneylenders, never pay an upfront fee to release funds, and remember that licensed moneylenders must complete face-to-face identity verification at an approved place of business.
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
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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.
Any promotion is subject to its own current terms. Borrowers should compare the actual loan cost first and never choose a loan solely for a reward.
Make an informed choice
Submit one application and review the available terms. There is no obligation to accept an offer.
Start your application
