MinLaw-Licensed · Rates from 1% / month

Money in your account today. The full cost shown before you sign.

MinLaw-licensed personal and business loans in Singapore. Rates from 1% per month, no hidden fees.

Check My Rate — 60 Seconds No impact on your credit to check.

See your exact repayment

Loan amountS$5,000

Term12 months

Monthly repayment

S$467

Total interest

S$600

No admin fee · No early-repayment penalty

The loan you understand before you sign

What you actually pay

IASG

Every dollar accounted for, printed before you commit.

1%flat monthly interest — the rate you're quoted is the rate you pay

S$0admin fee

S$0early-repayment penalty — clear it whenever you like

Fullrepayment schedule shown upfront, before signing

Nothing hidden. Nothing added later.

Typical lender

The fees that show up after you've signed.

up to 10%undisclosed processing fees skimmed off the top

?late-fee traps that stack quietly each cycle

$$$rollover pressure that keeps the debt alive

Numbers we're happy to show you.

4 hrs

Average approval time

From application to approval — most borrowers hear back the same working day.

S$48M

Disbursed

Lent to working Singaporeans and SMEs since 2019.

98%

Repaid on schedule

Because the amount never changes from what we quote.

From apply to cash in hand

Same day, start to finish.

Apply online in 60 seconds

All you need is your NRIC and income proof. No branch visit, no paperwork queue.

Get your exact repayment schedule

Approval — usually within 4 hours — arrives with the full, itemised schedule. You see every payment before you agree to anything.

Cash disbursed the same day

Funds land via PayNow or bank transfer the day you're approved. Money in your account today.

Real borrowers

The number we quote is the number you pay.

★★★★★

“Approved in 3 hours, and the repayment amount never changed — exactly what they quoted.”

Rahmat B.

Delivery rider · Woodlands

★★★★★

“Bridged my payroll gap in one afternoon. No pressure, no surprise fees.”

Michelle Tan

F&B owner · Bugis

Straight answers, out in the open

The questions worth asking.

Will this hurt my credit?

Checking your rate has no impact on your credit. We only report to the Moneylenders Credit Bureau once a loan is taken up — and repaying on schedule strengthens your standing.

What if I repay early?

You pay S$0 early-repayment penalty. Clear the balance whenever you're ready and you only pay interest for the months you actually borrowed.

Who qualifies?

Singapore citizens and PRs, plus registered SMEs. Minimum income of S$1,500/month. Business loans are assessed on cash flow, not just credit history.

Is IASG legal?

Yes. IASG is a MinLaw-licensed moneylender (License No. 12/2023), listed on the official Registry of Moneylenders. You can verify us there before you apply.