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How Lendly SG Works

Compare personalised loan offers from 8+ regulated lenders — in under 2 minutes. No hard credit check. No fees.

See My Rates →
Regulated lenders onlyNo hard credit checkAlways free to use

Three steps to your best rate

1

Tell us about yourself

Fill in a short 2-minute form — your loan amount, purpose, income, and employment type. We never ask for sensitive documents at this stage. No Singpass login required to compare.

  • Loan amount and purpose
  • Monthly income and employment status
  • Singapore citizenship or PR status
2

Get matched instantly

Our matching engine checks your profile against eligibility criteria from 8+ regulated lenders. You see only the offers you are likely to qualify for — with indicative rates, monthly repayments, and EIR shown side by side.

  • Multiple personalised offers in seconds
  • Flat rate and EIR shown for each offer
  • Filter by tenure, amount, or monthly repayment
3

Choose and apply

Pick the offer that works best for you and proceed directly to that lender. The lender runs their own verification (typically via Singpass / MyInfo) and makes the final lending decision. Most loans disburse within 1–3 business days of approval.–3 business days of approval.

  • No obligation — compare first, decide later
  • Apply to one lender or multiple
  • Disbursement in 1–3 business days

Why borrowers trust Lendly SG

Your data is protected

Lendly SG complies with Singapore’s PDPA. Your information is encrypted and only shared with the lender you choose to proceed with.

MAS-regulated partners only

Every lending partner on our platform is licensed and regulated by the Monetary Authority of Singapore. No unlicensed lenders, ever.

No impact to your credit score

Comparing rates on Lendly does not trigger a hard credit inquiry. Your CBS credit score is only checked when you formally apply with a lender.

Common questions

Is Lendly SG a bank or a moneylender?

No. Lendly SG is a free loan comparison and referral platform. We are not a lender. All lending partners are licensed and regulated lenders — MAS-regulated banks and finance companies, and MinLaw-licensed moneylenders. We do not make lending decisions.

How is Lendly free if lenders are paying?

We earn a referral fee from lending partners when a borrower successfully takes up a loan. This does not affect your rate — lenders offer the same rates through Lendly as they do directly.

What if I don’t qualify for any offers?

If none of our partner lenders can match you based on your profile, we will let you know clearly. You won’t be charged, and we will suggest steps to improve your eligibility for a future application.

How long does the whole process take?

The matching step takes under 2 minutes. If you choose to proceed with a lender, their verification and approval typically takes 1–2 business days, with disbursement within 1–3 business days of approval.

Ready to find your best rate?

Compare loan offers from MAS-regulated lenders through Lendly SG. Free, private, and no commitment required.

See My Rates →

No hard credit check · Takes under 2 minutes · Always free