Master All Your Online Loans in Singapore

Our smart technology and loan experts match you with the right loan options directly on our platform and help you get approved faster.

FEATURED IN
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Independent
Marketplace

We operate independently and do not issue loans. Our role is to help borrowers compare options and understand terms clearly even when this results in lower commissions for us.

Fact-Checked
Content

All loan information published on ROSHI is reviewed and fact-checked by our editorial team to ensure accuracy, relevance and compliance with Singapore regulations.

Licensed
Lenders Only

We only list banks regulated by the Monetary Authority of Singapore (MAS) and licensed moneylenders regulated by Singapore’s Ministry of Law.

Founder-Led
Business

ROSHI is a founder-led business and is not venture capital funded. Our founders are directly involved in the platform and are personally invested in building a transparent loan marketplace.

We only win when our customers close at a favorable rate and get rewarded for it. To date, we’ve helped over 10,000 borrowers in Singapore and returned more than S$1,000,000 in cashback & vouchers and we just getting started.

Home Loans

Compare Mortgage Rates From Multiple Banks In Minutes

Buying your first HDB flat or looking to refinance your existing mortgage? Submit one application and receive personalised home loan offers from different banks within minutes. Check rates, terms and monthly repayments directly on your dashboard or speak to one of our mortgage brokers for assistance.
Find the best home loan rates matched to your profile
From
1.55% Final rates vary based on borrower profile and lender criteria
Personal Loans

Compare Multiple Offers Without Hurting Your Credit Score

Stop applying on multiple bank websites. SImply submit your loan application via ROSHI and let licensed lenders and banks compete. Whether you're consolidating debt, covering medical bills or managing unexpected expenses, you’ll see exactly what amount and rate you qualify for without hurting your credit score.
Get matched with personal loan offers from various banks
From
1.56% Final rates vary based on borrower profile and lender criteria
Fast Cash Loans

Emergency Funds When You Need Them

Skip the stressful process of visiting multiple moneylenders. Simply apply via ROSHI and get matched with licensed moneylenders competing to offer you their best rates and repayment terms. Compare pre-approved offers side by side and book your in-store appointment conveniently from your ROSHI application dashboard.
Get matched with competitive offers from licensed moneylenders
From
12% Final rates vary based on borrower profile and lender criteria
Business Loans

Working Capital Solutions Built For Business

Scaling your SME or managing cash flow for a larger business operation? Our team of loan experts are here to advise you on the best financing solutions. Get matched with loan options including working capital, bridging loans and business term loans, all at favourable rates and flexible terms.
Explore business financing options matched to your needs
From
5.5% Final rates vary based on borrower profile and lender criteria

LOAN APPLICATION PROCESS

How to apply for a loan online with ROSHI?

Apply via ROSHI

Apply in under 30 seconds using Singpass or our simple multi-step form. It’s quick, secure and hassle-free.

Check Offers

Review tailored loan options instantly. Our customer success team is here to help with any questions or concerns. 

Receive Your Funds

Connect with your preferred lender, finalise all paperwork and receive your funds.

Master Your Online Loans with
Wisdom, Confidence and Rewards

Singapore's Favourite Loan App

Apply from anywhere using our web app. Check eligibility, compare offers and manage your loan application all in one place.

No Hard Credit Checks When You Apply

Apply for loans online via ROSHI without affecting your credit score or triggering hard credit enquiries.

Compliant with Singapore's Data Protection Laws

We operate in line with Singapore's Personal Data Protection Act (PDPA) to protect your personal and financial information.

Earn Cashback and Exclusive Vouchers

Receive cashback and vouchers every time you successfully complete a loan through ROSHI, making your borrowing experience more rewarding.

No Fees. Ever.

Our service is completely free. No hidden charges, no surprises, just straightforward support.

All lenders means more choice and better rates

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20+

More Lenders

Singapore’s Favourite Loan Matching Platform

Instead of breaking your back going from bank to bank, ROSHI sources bespoke lender mortgage solutions directly on our platform. Compare customised loan options and chat directly with loan managers to find the best rates in the market.

40+
Banks & Lenders
$500M+
Loans Compared
10,000+
Borrowers Helped

Our customers trust us when it comes to making important borrowing decisions

Google Logo Evelyn Tan
Star Star Star Star Star
2 months ago

I can’t thank Roshi enough for helping me find the best financial institution for my DCP! The guidance and support were absolutely amazing—everything was explained clearly and tailored to my needs. Thanks to Roshi’s help, I’m now on track and completely debt-free in just 12 months! 💪🏼 I couldn’t be happier with the outcome and highly recommend Roshi to anyone looking for smart, reliable financial advice.

Google Logo Mohamed Faizal Jaafar
Star Star Star Star Star
2 months ago

With the help of the ROSHI Support link to partner, I had a great experience with EZY Loan. The online application was simple, document verification was fast, and the funds were credited on the same day. The staff were professional and explained everything clearly, with no hidden fees. Overall, an excellent and hassle-free service!

Google Logo Bona Bella
Star Star Star Star Star
3 months ago

I am truly grateful to Rosh for helping me find such a professional and reliable lending company. They don’t just provide financial support, but also take the time to understand and guide you with genuine care. Rosh’s assistance made the entire process smooth and reassuring, and I sincerely appreciate the professionalism and dedication.

Google Logo Sabby Debbie
Star Star Star Star Star
a month ago

Roshi service will update all your listings to match your nearest requested amount accurately, saving you time and effort by eliminating the need to visit each location individually. Recommended !

Publications featuring  ROSHI experts

Tools To Start
Your Finance Journey

Calculate your mortgage payments and affordability.

Compare personal loan options and find the best rate.

Check your monthly repayments and total cost for requested loan amount.

Find out how long it takes to pay off your balance and total interest owed.

From our experts

More About Our Editorial Team
SME Business Loans in Singapore: 7 Expert-Recommended Financing Options In 2025

SME Business Loans in Singapore: 7 Expert-Recommended Financing Options In 2025

Exploring the Most Popular Business Loan Solutions in Singapore.

Is Lendela Safe & Legal? Loan Match Platform Review (Updated December 2025)

Is Lendela Safe & Legal? Loan Match Platform Review (Updated December 2025)

Benefits of Using Personalised Loan Application Platforms.

Top 5 Mortgage Brokers in Singapore: 2025 Rankings

Top 5 Mortgage Brokers in Singapore: 2025 Rankings

Process of Choosing a Reputable Mortgage Broker.

Top 10 Licensed Moneylenders in Singapore: 2025 Rankings (Updated December 2025)

Top 10 Licensed Moneylenders in Singapore: 2025 Rankings (Updated December 2025)

Process of Choosing the Best Personal Loan Moneylenders.

Bad Credit Loans in Singapore: A Guide for Getting Approved with Poor Credit Scores

Bad Credit Loans in Singapore: A Guide for Getting Approved with Poor Credit Scores

This guide offers an in-depth look at securing personal loans in Singapore.

How to Improving Your Credit Score in Singapore? [Updated Information 2025]

How to Improving Your Credit Score in Singapore? [Updated Information 2025]

Your credit score plays an essential role in your financial health.

Finding the Right Loan (FAQ’s)

What types of personal loans do you offer?

We provide access to various types of loans such as home, refinance, personal, renovation, debt consolidation, payday, fast cash, emergency and business loans among others.
Unlike banks or licensed moneylenders, ROSHI gives you access to multiple loan offers and our team of experts negotiate with lenders on your behalf.
Our application process means you can receive loan offers in as little as a few hours after applying and for approvals to be completed within the same day.
You do not require any documents to apply for a personal loan with ROSHI. All applications can be handled via Singpass. We do allow manual applications where we require a copy of NRIC/FIN, three latest payslips, an updated credit report and any outstanding debt statements. Our customer success team will review provided documents and reach out if any other files are needed.
A dedicated member of our team is assigned to understand your financial situation and goals and provide assistance in securing your loan.
ROSHI helps you access loans for free. We do not charge our customers any fee only if your application is approved and you accept a loan offer would we earn a small commission from the lender.
Yes, checking rates from at least 2-3 brokers gives you greater selection. ROSHI saves you the time by consolidating options.
Check they use secure data protocols. Compare the number of lenders, cashback rewards and customer reviews too.
Maintaining a strong credit score, repaying credit card balance and loans on time and consistent income are key to increase approval chances.
They will evaluate factors like your income, existing debts, credit profile, property transaction details and more.
Marketplaces like ROSHI give you more choice, better rates and sometimes higher rewards. This saves you effort and stress trying to directly access multiple lenders.
ROSHI helps you to compare options across banks, licensed moneylenders and alternative lenders in one unified dashboard.
Don’t be a fool
馬鹿なことはやめろ
Borrow Wisely

Mastering your loan moves starts with understanding the real cost of borrowing. We believe in empowering you with the right knowledge to make smart financial choices, not quick fixes that lead to debt traps. Our commitment is helping you borrow wisely and stay in control of your money. 

Read Our Borrowing Guide
Borrowing Wisdom Collection

.Don't be a fool! #roshi #singapore #lending #borrowing

Trust the original! #roshi #singapore #lending #borrowing

.Don't be a fool! #roshi #singapore #lending #borrowing

Trust the original! #roshi #singapore #lending #borrowing

.Don't be a fool! #roshi #singapore #lending #borrowing

MASTER ALL YOUR LOAN MOVES

See our picks for
the best loans in every category.