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Loan Payment Breakdown

Questions? We have answers

How much can I borrow? What are the allowed interest rates charged by moneylenders? What is an admin fee?

An Admin fee is charged by moneylenders as soon as the loan is approved. This fee is usually deducted from the principle amount you are borrowing.

A licensed lender cannot charge you a total admin fee of more than 10 percent of the principal amount.

Read our complete guide to borrowing from a moneylender in Singapore

What are acceptable admin fees?

With effect from October 1, 2015, moneylenders are only allowed to charge the following fees and expenses:

  • A maximum of SGD 60 charged every month when you delay on the repayments
  • A maximum of 10% of the principal after the loan is approved and granted, otherwise known as an administrative fee
  • Any legal costs ordered by a court of law following a successful claim by the moneylender for loan recovery

Essentially, all the applicable fees and costs should not exceed the original principal amount. 

Read our complete guide to borrowing from a moneylender in Singapore

Find out all the factors on how moneylenders decide on an interest rate

Money lenders use various sources of information such as your Moneylenders Credit Bureau (MLCB) Credit Report to determine your loan history and if you have made payments in a timely manner in the past. If you have had a history of late payments or defaults, moneylenders would usually increase the interest rate. However, if you have never missed a payment, they are likely to charge you lower interest rates.

Moneylenders may decide on an interest rate that is up to their discretion. The Ministry of Law has set out strict regulations as to how much moneylenders can charge. To know more, read our article on (Everything you should know about borrowing from a Moneylender)

Read our complete guide to borrowing from a moneylender in Singapore


Please read these Terms of Use ("Agreement", "Terms of Use") carefully before using CashGuru.sg ("the Website") operated by Cash Guru Pte. Ltd. (“CashGuru”, “we”, “us’,” Cash Guru”). This Agreement sets forth the legally binding terms for your use of the services provided in the Website (“use of Services”).


The Website is an online domain owned and provided by CashGuru and registered in the Republic of Singapore under the Unique Entity Number 201924834R. The Website is a platform for the Borrower (“you”) to compare and obtain short-term loans from licensed lenders in Singapore.


By accessing and using this Website, you agree to be bound by and to act in accordance with these Terms of Use and our Privacy Policy.

In the event where you breach the Terms of Use, we reserve the right to immediately cease your use and access of the Website.

We reserve the right to amend the Terms of Use from time to time without notice. Such amendments shall be effective from the date they are posted on the Website. Your continued use of the Website will constitute your acceptance of the amended Terms of Use.

Our Service

The Website is an online platform that matches short-term borrowers with licensed moneylenders through a transparent and fair way. Our service is free for you to use.

You acknowledge and agree that:-

  • CashGuru is not a licensed moneylender under the Moneylenders Act;
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  • CashGuru assumes no advisory or fiduciary responsibility with respect to you in connection with the use of Services;
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  • CashGuru has not provided you with any legal, accounting, regulatory or tax advice with respect to the use of Services; and
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  • You have consulted your own legal, accounting, regulatory and tax advisors with respect to the use of Services.

By submitting your details and personal information, you are making a request to us to obtain the relevant offers from our participating licensed moneylenders. The connection will only be made once you accept lenders offer.

We aim to provide uninterrupted access to the Website but we give no warranty as to the uninterrupted availability of the Website. We reserve the right to suspend, restrict or terminate your access to the Website at any time.

We reserve the right to add, amend, delete, edit, remove or modify any information, content, material or data displayed on the Website and without notice from time to time.

Permitted Use

You are only permitted to access and use the Website for your personal, non- commercial purpose. Access to and use of the Website other than for your personal, non- commercial purpose is strictly prohibited. Indemnity

You agree to indemnify and hold CashGuru, its directors, officers and employees, harmless from any claim, demand, or damage, including legal fees, asserted by any third party due to or arising out of your access of the Website or your use of Services

Intellectual Property Rights

The names, images and logos (“Marks”) identifying CashGuru or third parties and their products and services are subject to copyright, design rights and trademarks of CashGuru and/or third parties, and all rights to the Marks are expressly reserved by CashGuru or the relevant third parties.

Nothing contained in this Agreement shall be construed as conferring by implication, estoppel or otherwise any licence or right to use any trademark, patent, design right or copyright of CashGuru or any other third party, without the prior written consent of CashGuru or such third party. The name of CashGuru or any other Marks may not be used in any way, including in any advertising or publicity, or as a hyperlink without prior written permission of CashGuru.

CashGuru and its affiliates and licensors own and retain all rights, titles and interest in and to:-

  • The Website;
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  • All hardware, software and other items used to prove the use of Services; and
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  • All materials, including without limitation, the information, databases, data, documents, online graphics, audio and video, in the Website, which contains proprietary and confidential information that is protected by applicable intellectual property and other laws. Except as expressly authorized by CashGuru, you shall not copy, modify, publish, transmit, distribute, perform, display or sell any of CashGuru proprietary information. You shall also not decompile, reverse-engineer or otherwise attempt to discover the source code of any content available on the Website except under the specific circumstances expressly permitted by law or in writing by CashGuru.

By submitting, posting or displaying content on or through the Website, you grant to CashGuru a worldwide, non-exclusive, royalty-free license to reproduce, adapt and publish such content on the Website for the purpose of displaying, distributing and promoting the Website. You further grant to CashGuru an irrevocable non-exclusive license to use such content submitted, posted or displayed, including any ideas, inventions, concepts, techniques or know-how disclosed herein, for any purpose, including the developing and/or marketing of the use of Services. CashGuru reserves the right to retain an archival record of all such content including those deleted or removed by you.

In the event that you download any software, application or script from the Website, the software, application or script, including any files, imagines incorporated in or generated by the software, and data accompanying the software (collectively referred to as the “Software”) are licensed to you by CashGuru on a non-exclusive, non-transferable, and non-sublicensable basis for the sole purpose only of utilizing the use of Services in accordance with this Agreement. For the avoidance of doubt, CashGuru does not transfer title ownership or any other rights of the Software to you. You shall not redistribute, sell, decompile, reverse-engineer, disassemble or otherwise deal with the Software. Any Software downloaded from the Website shall be at your own risk.

No Third Party Rights

A person who is not a party to this Agreement shall have no right under the Contracts (Rights to Third Parties) Act (Cap 53B) of Singapore or under any law, to enforce any provision in this Agreement.

Exclusions of liability

Nothing in these Terms of Use exclude or limit our liability for death or personal injury caused by our negligence or for our fraud, or excludes or limits our duties or any liability under any written rule, regulation or law enforced by the Monetary Authority of Singapore (MAS) or any other governmental authority charged with regulating licensed moneylender.

We use reasonable endeavours to ensure that the data, material and information on the Website are accurate and to correct any errors or omissions as soon as practicable after being notified of

them. However, we are not able to guarantee that the data, material and information on the Website are accurate or that there are no errors or omissions in the data, material and information.

We do not monitor, verify or endorse data, material and information submitted or provided by third parties which is included on the Website and you should be aware that such information may be inaccurate, incomplete or out of date. In particular, we do not monitor, verify or endorse the information or quotations collected from the product and service providers as presented to you on the Website. We are not responsible for any data, material or information included on the Website which has been provided by third parties.

We do not give any warranty that the Website is free from viruses or anything else which may have a harmful effect on any technology

We are not responsible for any losses or damages arising from an inability to access the Website, from any use of the Website or from reliance on the data transmitted using the Website where such losses or damages are caused by any event beyond our reasonable control including as a result of the nature of electronic transmission of data over the internet

We are not responsible or liable for any indirect losses or damages suffered or incurred by you or for any losses or damages suffered or incurred by you, which were not foreseeable by us through your access and use of the Website.

Your responsibilities

8.1. You are solely responsible and liable for your conduct on the Website and for the use of Services.

8.2 You must take all reasonable precautions (including using appropriate virus checking software) to ensure that any information, content, material or data you provide is free from viruses, spyware, malicious software, trojans, worms, logic bombs and anything else which may have a contaminating, harmful or destructive effect on any part of the Website or the websites of third parties or any other technology.

You may complete a registration process as part of your use of the Website which may include the creation of a username, password and/or other identification information. Any username, password and/or other identification information must be kept confidential by you and must not be disclosed to, or shared with, anyone. Where you do disclose to or share with anyone your username, password and/or other identification information, you are solely responsible for all activities undertaken on the Website using your username, password and/or other identification information.

You must check and ensure that all information, content, material or data you provide on this Website is correct, complete, accurate and not misleading and that you disclose all relevant facts. We do not accept any responsibility or liability for any loss or damage you may suffer or incur if any

information, content, material or data you provide on this Website is not correct, complete and accurate or if it is misleading or if you fail to disclose all relevant facts.

You will be required to collect your loan at the lenders premise after accepting his loan offer. Lender will do a check on the information that you provided during the online application process. If any information provided are found to be false, you will not be given a loan. Please ensure all information you provided during the loan application on our Website are accurate to the best of your ability.


We are committed to protecting your privacy and we treat your privacy very seriously. We process information about you in line with our Privacy Policy. By using the Website, you agree to the way in which we process and deal with your personal information.

We may disclose your personal information or access your account if required to do so by law, any court, or any other applicable regulatory, compliance, Governmental or law enforcement agency.

Governing law

10.1. Any dispute arising out of or in connection with this Agreement shall be referred to and resolved by the Courts of Singapore. You hereby unconditionally and irrevocably submit to the exclusive jurisdiction of the Courts of Singapore.


11.1. You agree that no joint venture, partnership, or employee relationship exists between you and us as a result of these Terms of Use or as a result of the use of Services.

11.2 This Website is only intended for use by residents of the Republic of Singapore. We make no warranty or representation that residents living outside The Republic of Singapore will be able to borrow money from licensed moneylenders through the Website. If you choose to use this Website from locations outside the Republic of Singapore, you shall be responsible for compliance with all applicable local laws.

Except as otherwise expressly provided herein, this Agreement represents the entire agreement between you and CashGuru regarding the subject matter hereof and supersedes any prior agreement between you and CashGuru as well as all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between us.

All disclaimers, indemnities and exclusions in this Agreement shall survive the termination of this Agreement by any reason.

If any provision of this Agreement or part thereof is rendered void, illegal or unenforceable by any legislation to which it is subject, it shall be rendered void, illegal or unenforceable to that extent and no further and, for the avoidance of doubt, the rest of this Agreement shall continue in full force and effect and the legality, validity and enforceability of the whole of this Agreement in any other jurisdiction shall not be affected.

We may provide you with notices, including those regarding changes to the Terms, by email, regular mail, postings on the Website, or other reasonable means now known or developed in the future.

Privacy Policy

CashGuru.sg (the “Website”) is an online domain owned and provided by Cash Guru Pte. Ltd. (“CashGuru”, “we”, “us’,” Cash Guru”) and registered in the Republic of Singapore under the Unique Entity Number 201924834R. All access to and use of the contents and services provided on the Website shall be governed by the terms and conditions contained in this Privacy Policy (the “Policy”), which shall constitute legally binding obligations on you in consideration for CashGuru permitting you access to the Website and use of the services provided on the Website (“use of Services”). Unless otherwise provided, any updates, enhancements, variation or addition to any use of Services, shall be subject to this Policy. By using the Website, you agree to be legally bound by this Policy, which shall take effect upon your first access of the Website.

Information between User and Website

For purposes of this Policy, "personal information" means any information by which someone (which shall include a company or partnership) can be personally identified, including name, address, telephone number, email address, billing and account information, credit or debit card information, and other information incidental to providing goods or services.

CashGuru collects personal information from you when you voluntarily provide us with this information, such as (but not limited to):

  • Registering as a user on the Platform;
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  • Adding information to your account;
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  • Completing a form;
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  • Submitting a note request or note offer;
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  • Utilization of the use of Services;
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  • Accessing or viewing the Platform; or
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  • Payment for the use of Services.

The Website also collects certain non-personally identifiable information about you, including but not limited to your domain name, access provider, IP address, and browser language, and browsing or other user unique information or patterns. All personal information and any other information collected on the Website are non- proprietary and non-confidential and may be utilized by CashGuru for the following purposes:-

  • For the specific purpose for which it was volunteered;
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  • To improve the content, appearance and utility of the Website;
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  • To understand your needs and preferences;
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  • To develop, market, sell or provide the use of Services;
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  • To conduct surveys, research and evaluation;
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  • To manage and develop business and operations of CashGuru;
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  • To administer accounts, collect and process payments;
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  • To detect and protect CashGuru and other third parties against negligence, fraud, theft and other illegal activities;
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  • As permitted by, and to comply with, any legal or regulatory requirements, process or provisions; and
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  • As permitted under any other agreement between you and CashGuru.

Personal Data Protection Act (“PDPA”)

All personal data collected by CashGuru will be protected according to PDPA requirements.

Upon successful registration with the Website, you agree that CashGuru, as the owner and operator of the Website, may collect, use, and disclose the information it collects in accordance with the PDPA and in accordance with the purposes and uses identified in this Policy and as set out in the Subscription Agreement.

We will adhere to the National Do Not Call Registry (“DNC Registry”). The DNC Registry allows individuals to register their Singapore telephone numbers to opt out of receiving marketing phone calls, mobile text messages, and faxes from organisations. CashGuru will not call you for marketing purposes if your number is registered with DNC.

Links to Third Party Websites

Personal information that you provide will necessarily be provided to third parties in connection with any use of Services provided by third parties (“Third Party Services”).

Such personal information may extend beyond what is strictly required for the provision by the third parties of the Third Party Services.

CashGuru shall not be liable for the manner or care in which providers of the Third Party Services maintain, protect or utilize your personal information. CashGuru shall be entitled to combine information you provide on the Website with information you provide to us in other ways, and with information from third parties.

Links to Other Sites

The Website contains links to other websites which are not maintained by CashGuru. Similarly, other websites may contain links to the Website. CashGuru has no control over such external sites and

resources, and you acknowledge and agree that CashGuru is not responsible for privacy policies or contents of these external websites.

Industry-leading standards and controls

We also equip our servers with Secure Socket Layer (“SSL”) certificate technology to ensure that all data you enter on the Website is encrypted. Verification of SSL is provided with the key or padlock icon on your browser.

What and When Your Information Is Shared With Other Parties

After completing and submitting the required loan application, a sanitized version of a borrower’s loan request will be shown to licensed moneylenders. A lender will be able to see the following categories of a borrower’s information:-

  • Loan Details;
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  • Borrowers Profile Information;
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  • Borrowers Employment History; and
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  • Borrowers Prior Loans.

A lender will view the aforementioned information and submit an offer to a borrower. The borrower will then be required to accept the loan offer.

The borrower will receive details of the lender upon selection of the submitted offer. Upon selection, a borrower’s anonymity will be revealed to the lender, including (but not limited to) information like the borrower’s contact details.

Upon selection of offer, lenders will perform a credit check on borrowers, including (but not limited to) checks from credit reporting agencies and existing lender database.

Your selected lenders will obtain credit and related information about you from one or more (but not limited to) credit reporting agencies stated below

  • Moneylender Association of Singapore
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  • DP Credit
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  • SML999
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  • Dun & Bradstreet
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  • Any other government or non-government agencies

Website Usage Information

CashGuru may utilize automated tracking devices or software such as a “cookie”. You consent to our use of such cookies. If you do not wish to receive cookies, please configure your internet browser to erase all cookies from your computer’s hard drive.

CashGuru may also store transaction history and user relationships/interactions. We collect this information so that we can provide users with an improved service. CashGuru’s primary purpose in collecting personal information during usage of the Website is to provide users with a safe, smooth, efficient, and customized experience and allow them to take full advantage of our products and services.

Your Obligations

You are permitted to disclose any confidential information if compelled to do so by judicial or administrative procedures or where disclosure is to any regulatory agencies or governmental bodies to fulfil your legal obligations.

You shall not directly or indirectly cause a nuisance to, harass or pester anyone with whom you have entered into an agreement with through the use of Services.

You agree to maintain the confidentiality of any information of any other user of the Website that you have obtained through the Website or through the use of Services.

Right to Amend

CashGuru reserves the right to supplement, vary or amend this Policy from time to time without further notice.

Changes to this Policy will be posted on this page, and the “Last Updated” date at the top of this Policy will be revised.

It is your responsibility to review this Policy upon each access or use to ensure you are aware of any changes made by CashGuru. Your continued access or use of the Website after changes are posted constitutes your agreement to be legally bound by the Policy as updated and/or amended.