Lendly SG is not a credit provider. We are a comparison and referral platform. All lending partners are regulated lenders — MAS-licensed banks and finance companies, and MinLaw-licensed moneylenders.
All lenders in our partner network hold valid licences: banks and finance companies are licensed by the Monetary Authority of Singapore under the Banking Act (Cap. 19) or the Finance Companies Act (Cap. 108); licensed moneylenders are licensed by the Registry of Moneylenders, Ministry of Law, under the Moneylenders Act (Cap. 188). A current list of MAS-licensed banks and finance companies is available at mas.gov.sg.
For illustration purposes only: a 5-year, S$20,000 personal loan at an Effective Interest Rate (EIR) of 7.00% p.a. from a representative bank partner would result in a monthly repayment of approximately S$396 and a total repayment of approximately S$23,760. Your actual interest rate, monthly repayment, and total cost will depend on the partner bank’s assessment of your individual profile, including your income, credit history, and employment status. Rates shown on this platform are indicative only.
Lendly SG does not charge borrowers any fee for using the comparison and matching service. Lendly SG may receive a referral or introducer fee from partner lenders for successfully matched and funded loan applications. This commercial arrangement does not influence the loan terms offered to borrowers and is disclosed here in the interest of full transparency.
Partner lenders may charge their own processing fees. These fees will be disclosed in the offer documents provided directly by the lender before you accept any offer.
Lendly SG does not guarantee that any loan application will be approved. Approval is at the sole discretion of the partner lender based on their credit assessment criteria. Indicative offers are not binding commitments to lend.
The matching process on Lendly SG does not trigger a hard credit inquiry with the Credit Bureau Singapore (CBS). A hard CBS check may be initiated by the partner lender only when you proceed to a formal loan application with them.
Your personal data is collected, used, and disclosed in accordance with Singapore's Personal Data Protection Act 2012 (PDPA). We share your details with a lending partner only after you explicitly approve the match. For full details on how we handle, retain, and protect your data — including your rights to access, correct, or withdraw consent — see our Privacy Policy. Our Data Protection Officer can be reached at dpo@lendly.sg.
Step 1: Raise the complaint directly with the partner lender. Their complaints process is described in their loan offer documents.
Step 2: If unresolved within 30 days, escalate to the Financial Industry Disputes Resolution Centre (FIDReC) at fidrec.com.sg or call 6327 8878. FIDReC provides independent dispute resolution for financial consumers in Singapore.
Step 3: For regulatory concerns about MAS-regulated institutions, contact the Monetary Authority of Singapore at mas.gov.sg/consumer-corner.
For complaints about Lendly SG’s platform or data handling, contact us at support@lendly.sg. We will acknowledge within 3 business days.
For independent financial education and guidance on borrowing in Singapore, visit MoneySense at moneysense.gov.sg — Singapore’s national financial education programme.
Lendly SG is operated by Lendly Pte Ltd (UEN: 202606451C). Lendly SG is a personal loan comparison and matching platform. We are not a bank, finance company, licensed moneylender, or licensed financial institution under the Banking Act, the Finance Companies Act, or the Moneylenders Act of Singapore. We do not hold any licence from the Monetary Authority of Singapore (MAS) or the Ministry of Law, and we do not lend money.