LendKaki is a free loan comparison platform. You fill in one simple form — it takes under 2 minutes — and we instantly match you with personalised loan offers from our network of 20+ licensed banks and financial institutions. You compare the offers side by side and choose the one that suits you best. No separate applications, no running around.

Yes, 100% free for borrowers — always. LendKaki earns a referral fee from lenders only when a loan is successfully disbursed to you. You will never be charged by LendKaki for using our platform, and there are no hidden fees of any kind.

No. LendKaki only performs soft credit inquiries during the matching process. Soft checks do not appear on your credit report and have zero impact on your credit score. Only if you proceed with a specific lender and they conduct a formal application will a hard check be made — and that would be disclosed to you before it happens.

Most applicants receive matched offers within minutes of submitting their application. Approval timelines depend on the individual lender, but 75% of our applicants receive approval within 24 hours. Many lenders in our network can disburse funds the same day your application is approved.

LendKaki helps you compare Personal Loans, Business Loans, and Instant Loans from licensed lenders. If you are unsure which loan type suits your needs, our team is happy to guide you.

All lenders on LendKaki are regulated by the Monetary Authority of Singapore (MAS) or licensed by the Ministry of Law (MinLaw). Our network includes major local banks, licensed finance companies, and licensed moneylenders. We do not work with unlicensed or unregulated lenders.

Minimum age 18 years old. You must be a Singapore Citizen, Permanent Resident, or foreigner with a valid pass, have a valid Singapore mobile number, be currently employed, and meet these income requirements: Singapore citizens and PRs need at least $300 per month; foreigners need at least $40,000 annual income. Individual lenders may have additional requirements — these will be shown alongside each offer.

For most applications you will need your NRIC or Passport, your last 3 months' payslips or CPF contribution history (for employed applicants), or your last 2 years' Notice of Assessment (for self-employed applicants). Some lenders may ask for additional documents during their own verification process.

Yes. LendKaki works with lenders who cater to a wide range of credit profiles, including applicants with existing loans or less-than-perfect credit histories. While approval is ultimately at each lender's discretion, our matching algorithm will show you offers from lenders most likely to approve your profile.

Absolutely. LendKaki is fully compliant with Singapore's Personal Data Protection Act (PDPA). All data is transmitted over encrypted SSL/TLS connections and is only shared with licensed lenders you are matched with. We never sell your data to third parties. For more details, read our Privacy Policy.