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Vera Capital Review

Vera Capital Review
(Product Review)

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Updated 07 Jan 2026

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Useful Resources

07 Jan 2026
|

Fact-checked

Disclosure

Glossary

Useful Resources

Launch Application
3.92%

Monthly Interest Rate

Cashback Rewards

Price Beat Guarantee

Varies
  • Monthly repayment shown uses an indicative rate of 3.92% per month. Depending on your lender, actual rates may range from 0.25-4% per month.

    • Processing Fee

    Up to 6x

    Monthly Income

    $288.67 Monthly repayment shown uses an indicative rate of 3.92% per month. Depending on your lender, actual rates may range from 0.25-4% per month.

    Monthly Repayment

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    Product Review

    Vera Capital is a licensed moneylender in Singapore dedicated to providing tailored financial solutions for Singaporeans, Permanent Residents (PRs) and foreigners working in the country. With a commitment to professionalism and efficiency, Vera Capital offers a range of loan products, including personal loans, payday loans, business loans and foreigner loans. Their streamlined application process ensures that, upon meeting the necessary criteria, clients can receive approval swiftly, often within the same day. Emphasizing confidentiality, all client information is handled with the utmost discretion, ensuring a secure borrowing experience.

    Current Moneylender Interest Rate Trends

    Today’s moneylender interest rate trends in Singapore – As of Saturday, March 14th, 2026, moneylenders in Singapore are charging an average monthly interest rate of 3.84%


    Compare Loan Offers
    from 20+ Lenders
    Up to 1% Cashback*
    $20 Grocery Voucher*
    Quick 5 Minutes Approval

    $1,000

    $200,000

    3 Months

    72 Months

    Total Cashback

    10

    Your monthly payment

    337

    Rate Disclaimer*

    *Based on a $20,000 loan at 6.95% APR over 5 years, read more

    List of Nearby Licensed Moneylenders

    Here are licensed moneylenders located nearby. All lenders listed are verified with the Ministry of Law and regulated under the Moneylenders Act.

    Loan amount must be between 500 and 100,000.
    Tenure must be between 1 and 60 months.
    More Filters
    Credit Assist
    Address
    3.92%
    5.0  
    $1,060.58
    1AP Credit
    Address
    3.92%
    4.9  
    $1,060.58
    1st Capital
    Address
    3.92%
    4.7  
    $1,060.58
    RM Credit
    Address
    3.92%
    5.0  
    $1,060.58
    MoneyPlus Capital
    Address
    2.89%
    Grocery Vouchers
    Up to 1% Cashback
    5.0  
    $998.04
    Winz Credit
    Address
    3.92%
    4.9  
    $1,060.58
    A1 Credit
    Address
    3.92%
    4.9  
    $1,060.58
    Sincere Moneylender
    Address
    3.92%
    5.0  
    $1,060.58

    All lenders verified against Ministry of Law registry. Last updated: March 14 2026.

    Their streamlined application process ensures that, upon meeting the necessary criteria, clients can receive approval swiftly, often within the same day. Emphasizing confidentiality, all client information is handled with the utmost discretion, ensuring a secure borrowing experience.

    Vera Capital Application Requirements

    Applying for a loan at Vera Capital is simple and requires the following eligibility criteria and documents:
    Eligibility Criteria:

    • Applicants must be at least 21 years old.
    • Open to Singapore Citizens, Permanent Residents and foreigners with valid employment in Singapore.

    Documents Required:
    For Singapore Citizens and Permanent Residents:

    • Identity Card/NRIC.
    • Proof of residence (e.g., recent bill or letter addressed to the applicant).
    • SingPass login details for CPF verification.
    • Proof of employment:
      + For salaried employees: Recent payslip or CPF Contribution Statement.
      + For self-employed individuals: Notice of Assessment for the past year.

    For Foreign Workers:

    • Employment Pass.
    • Valid passport.
    • Proof of residence (e.g., billing documents with printed residential address).
    • Recent 3 months’ payslips.

    PROMOTIONS

    APPLICATION PROCESS

    • Apply & Submit

      Start your loan application journey with our quick online application multistep form—it takes just 30 seconds to complete. Our advanced technology and expert loan specialists work together to match you with suitable options on our platform

    • Document Upload

      Provide the necessary documents: your last 3 pay slips, a credit report from CBS or MLCB, and your IC/FIN details. Upload these files through your dashboard or email them to marketplace@roshi.sg

    • Application Review

      Our dedicated customer success team will carefully examine your application, contacting you if any additional information is required. Once we’ve verified your details, we’ll begin the process of matching you with appropriate lenders and loan options.

    • Compare Offers

      Compare loan offers in real-time through your application dashboard. Our customer success team is available to discuss loan details.

    • Lender Appointment

      After you’ve selected a loan option, we’ll assist in arranging an appointment with the chosen moneylender. Note that for moneylender options, assessment and disbursement must be completed in person at their branch.

    • Funds Disbursement

      Once you’ve agreed on the loan terms and signed the contract, you’ll receive a copy of the agreement. This document will outline your monthly payment schedule. Your funds will then be disbursed either in cash or via bank transfer.

    Vera Capital Highlights

    • Swift Loan Approval

      Experience expedited loan approvals, often within the same day, catering to urgent financial needs.​​

    • Diverse Loan Options

      Choose from a variety of loans, including personal, payday, business and foreigner loans, each customizable to your financial situation.

    • Confidentiality Assured

      Client information is treated with the highest level of confidentiality, ensuring privacy and security.​

    • Licensed and Regulated

      Vera Capital operates under the approval of Singapore’s Ministry of Law, adhering strictly to legal and ethical standards.​​

    • Customer-Centric Approach

      Benefit from professional and personalized service, with loan packages tailored to individual financial circumstances.

    Frequently Asked Questions

    How do I apply for a loan with Vera Capital?

    You can initiate the application process via email, post, fax, online or by visiting office in person. Simply complete the application form and submit it along with the required supporting documents through your preferred channel.

    What repayment plans are available?

    Vera Capital offers a variety of repayment plans, including weekly, bi-weekly and monthly installments. During the application process, you can specify your preferred repayment schedule and Vera Capital will provide options that best suit your financial situation.

    Are there any fees for early loan repayment?

    No, Vera Capital does not charge additional fees for early loan redemption. In fact, clients who opt for full early repayment may receive an interest rebate, resulting in overall interest savings.

    Is my personal information kept confidential?

    Absolutely. All personal information provided to Vera Capital is handled with strict confidentiality and will not be shared with any third parties without your explicit permission.

    Can foreigners apply for loans at Vera Capital?

    Yes, foreigners working full-time in Singapore are eligible to apply for loans. Required documents include a valid Employment Pass, passport, proof of residence and recent payslips.

    External Reviews

    Moneylender Review

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