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Minterest Money is the Minterest Group’s consumer financing arm. Using technology and proprietary credit scoring algorithm, we deliver bespoke and unique financing costs to each individual borrower. Our belief is that each individual should pay his or her own financing cost.

Personalized interest rates can start from as low as 0.55% per month or less than 36 cents a day*

Apply for a Personal Loan

Minterest Money

Our Mission

We aim to empower our customers with confidence, knowledge and opportunities to take charge of their financing needs. As an impetus in undertaking a new venture or addressing a personal situation with peace of mind through properly priced financing. We aim to be the catalyst that brings their future to the present, be it resolving a temporary financial difficulty, taking advantage of opportunities or enriching one’s life.

Our Belief

At Minterest Money, we believe that personal finance should not be a one-size fits all model of pricing. Using big data and artificial intelligence, each borrower will be assessed on his or her unique set of information and will pay a price that is appropriate to his or her credit risk. This will lower the cost of financing to our customers.

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Our Minterest Money Team

Ronnie Chia

Executive Director

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Charis Liau

Executive Director

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Arnold

Arnold Lim

Client Ambassador

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Chew Xiuzi

Loan Executive

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Nicole Tan

Loan Executive

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Shaun Tan

Loan Executive

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Nicky Yong

Loan Executive

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Nelsis Ong

Client Origination

Read more

Our Minterest Money Team

Ronnie Chia

Executive Director

Read more

Charis Liau

Executive Director

Read more
Arnold

Arnold Lim

Client Ambassador

Read more

Chew Xiuzi

Loan Executive

Read more

Nicole Tan

Loan Executive

Read more

Shaun Tan

Loan Executive

Read more

Nicky Yong

Loan Executive

Read more

Nelsis Ong

Client Origination

Read more

Minterest Money is a licensed moneylender that is regulated by the Registrar of Moneylenders of the Ministry of Law. We commenced our consumer lending business from 1 June 2019. For any enquiries, please email us at [email protected].

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*Based on a loan of S$2,000 for a tenor of 12 months, subject to credit scoring and assessment but does not include processing fees.
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Contact Us
  • Experiential Store:
    Suntec City Mall, #02-490 North Wing, 3 Temasek Boulevard, Singapore 038983

    North Wing: Between Suntec Towers One and Two

    Find out how to get here
  • 1 Raffles Boulevard, Crescent 1, Level 2 Suntec City, Singapore 039593
  • +65 6386 8623
  • +65 8366 0968
  • [email protected]
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Minterest Private Limited is incorporated in Singapore with registration no. 201607263W and holds a Capital Markets Services licence (CMS100573) issued by the Monetary Authority of Singapore (“MAS”) to deal in securities under the Securities and Futures Act, Cap 289 (“SFA”). All fundings arranged via our Platform, unless expressly stated, are made under the “small offers exemption” as prescribed under section 272A, “private placement exemption” as prescribed under section 272B, or “accredited investors and other certain persons exemption” as prescribed under section 275 of the SFA and is not made in or accompanied by a prospectus that is registered by the Monetary Authority of Singapore. We do not and will not perform any other activity that is regulated under any applicable Singapore law. In particular, we do not provide any form of investment advice or recommendation to any person. All data available on this website is strictly for information purposes only and should not be regarded as an offer, solicitation, invitation, advice or recommendation on our part to buy or sell any securities or other capital markets product or financial services. We make no representation or warranty (express or implied) as to the accuracy, completeness or quality of any information on this website. Users of this website are advised to seek independent financial, tax and legal advice or make such independent investigations as appropriate in connection with their use of this website. By using this website, you agree to be bound by our Website Terms of Use. 

© 2021 Minterest Private Limited. ‘ARA Minterest’ is a trading name of Minterest Private Limited. All Rights Reserved.

Linkedin Facebook-square Instagram Youtube Twitter
download on the app store badge
google play store badge
Contact Us
Services
Resources
Legal

Minterest Private Limited is incorporated in Singapore with registration no. 201607263W and holds a Capital Markets Services licence (CMS100573) issued by the Monetary Authority of Singapore (“MAS”) to deal in securities under the Securities and Futures Act, Cap 289 (“SFA”). All fundings arranged via our Platform, unless expressly stated, are made under the “small offers exemption” as prescribed under section 272A, “private placement exemption” as prescribed under section 272B, or “accredited investors and other certain persons exemption” as prescribed under section 275 of the SFA and is not made in or accompanied by a prospectus that is registered by the Monetary Authority of Singapore. We do not and will not perform any other activity that is regulated under any applicable Singapore law. In particular, we do not provide any form of investment advice or recommendation to any person. All data available on this website is strictly for information purposes only and should not be regarded as an offer, solicitation, invitation, advice or recommendation on our part to buy or sell any securities or other capital markets product or financial services. We make no representation or warranty (express or implied) as to the accuracy, completeness or quality of any information on this website. Users of this website are advised to seek independent financial, tax and legal advice or make such independent investigations as appropriate in connection with their use of this website. By using this website, you agree to be bound by our Website Terms of Use. 

© 2021 Minterest Private Limited. ‘ARA Minterest’ is a trading name of Minterest Private Limited. All Rights Reserved.

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Ronnie Chia

Executive Director

Ronnie has over 30 years’ experience specialising in corporate and structured finance at international banks, and finance and taxation matters at a conglomerate and an accounting firm.

His experience on “both sides” puts him in a unique position to understand both borrower and investor objectives. A deep understanding of, and broad experience in, financing requirements allows Ronnie to analyse and deliver on the decision making process through a balanced risk-reward approach.

He started and led numerous global businesses at an international bank where he was responsible for business performance and managing loan standards and portfolios. Ronnie graduated from the University of Canterbury, New Zealand with a Bachelors of Commerce Degree.

Charis Liau

Executive Director

Charis has more than 20 years of banking and financial experience in the Asian markets with an international bank. Charis is instrumental in leading, driving and delivering on the Group’s business strategy and initiatives, overseeing the group’s funding, technology innovation and geographic expansion.

She specialises in structured and asset finance, corporate lending and relationship management. Her understanding of how companies deliver on objectives and her strong knowledge of financial management has been invaluable to her numerous clients. Her banking experience is complemented with work on a range of fund-raising projects for SMEs prior to founding Minterest. 

Charis currently serves on the Alumni Advisory Board of Nanyang Business School, Nanyang Technological University, as well as on the Marketplace Lending sub-committee of the Singapore Fintech Association. 

Charis holds a Fintech Certificate in Future Commerce from Massachusetts Institute of Technology, has a Bachelor’s Degree in Accountancy (First Class Honours) from Nanyang Technological University, Singapore and is a Chartered Financial Analyst (CFA) charter holder from the CFA Institute.

Arnold
Arnold Lim

Client Ambassador

Arnold has 10 years of experience in financial institutions (4 years in Prudential as an Actuarial Specialist, and 6 years in AmInvestment Bank Capital Markets Group) specialising in structured finance. His experience working with multiple stakeholders has allowed him to design solutions that match borrowers’ and investors’ needs.

Over the years, he has executed numerous asset-backed securitization, unrated bond, perpetual and covered bond projects in Malaysia. Arnold graduated with a Bachelor of Applied Finance with Bachelor of Commerce – Actuarial Studies from Macquarie University, Sydney. Arnold is a foodie and will go far flung places for good food.

Chew Xiuzi

Loan Executive

Xiuzi enjoys doing analytical work, so here she is as a Loan Executive for QianNow. She is a risk taker and likes to apply Warren Buffet’s theory, “Be fearful when others are greedy and be greedy when others are fearful”.

She loves listening to English oldies, jazz, opera songs and new age music and she keep a collection of old movies such as The Sound of Music, Mary Poppins, Chitty Chitty Bang Bang and Breakfast at Tiffany etc. She enjoys travelling to countries that are still at the developing stage, as one day, they might lose their essence if we do not visit them fast.

Nicole Tan

Loan Executive

Nicole graduated with Bachelor of Arts (Honours) in Business Management from Northumbria University. With more than 4 years of experience in the banking sector, dealing with both consumers and corporates, she is able to connect and engage with people from all walks of life. Her experience in both lending and wealth planning also allows her to offer her clients tailored loan solutions from a consultative approach. 

Nicole enjoys the little things in life, from binging on the latest episode of her favourite sitcoms to catching up with friends over drinks.

Shaun Tan

Loan Executive

With 6 years of financial planning experience, Shaun has helped many individual and corporate clients achieve their goals. 

Shaun is passionate about life and adventure, and is a licensed divemaster who enjoys bringing the joy of the underwater world to others.

Nicky Yong

Loan Executive

After graduating with a Bachelor of Business Administration (BBA) degree, Nicky has had over two years of experience in Financial Services Sector, and she is currently working as a Loan Executive with Minterest Money. 

She enjoys her job especially in helping clients with their financial planning. It brings her great satisfaction when she is able to assist her clients achieve their financial goals. In the eyes of others, Nicky is a fast and enthusiastic learner who seeks constant self-improvement.

Nelsis Ong

Client Origination

Nelsis is currently pursuing his BSc Finance in Singapore School of Social Science and is currently an intern with the company.

Having graduated from Temasek Polytechnic with a Diploma in Business, he has always been intrigued with the workings of the Finance industry.

As such he has decided to further his studies in this field and intern at Minterest Money to sharpen his knowledge and ability.

In his spare time, Nelsis enjoys getting active, reading and looking for interesting films to watch. He dabbles in Forex trading whenever he has the time as well.