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CashOne - Personal Loan Banner
  1. Loans and Mortgages
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  3. CashOne Personal Loan

CashOne Personal Loan

A personal loan designed to help you get ahead

Apply for Standard Chartered CashOne Personal Loan

Do you have a Standard Chartered online banking login?

CashOne Personal Loan Benefits1

  • CashOne Cashback depending on your loan amount

  • within
    15 mins

    Get cash disbursed to any existing bank account of your choice

  • Your monthly income

1 Terms and Conditions apply. Receive a Platinum Visa Credit Card if you have an annual income of S$30,000 and above.

CashOne Personal Loan Calculator

Borrow up to 4x your monthly income

  • Apply Now

    Apply for Standard Chartered CashOne Personal Loan

    Do you have a Standard Chartered online banking login?

Borrow up to 4x your monthly income: Upon approval if your annual income is S$30,000 or above (subject to a maximum loan amount of S$250,000)
Illustrative Interest Rate: This is based on an annual income of S$30,000 or more and may differ based on your income, loan amount and/or tenor (see FAQ). Default rate is based on S$20,000 over a 5-year tenor.
First-year Annual Fee: S$199 is deducted from the approved loan amount and refunded to your credit card or approved loan account within 50 working days from the approval date
Total Cashback: Calculated based on the following, where applicable and is credited to your credit card or loan account within 50 working days from the approval date (see FAQ)
  1. CashOne CashBack up to S$1,088: 0.4% of your approved loan amount less than S$50,000 or 0.8% for S$50,000 or more1
  2. Anniversary CashBack: As Standard Chartered celebrates our 160th Anniversary in Singapore, enjoy S$160 Anniversary CashBack when your approved loan amount is S$10,000 or more1
Application Eligibility

 

  • Aged: 21 - 65 years
  • Minimum annual income: S$20,000
For Existing Standard Chartered Credit Cardholders

No documents are required.

However, if there has been a recent change to your income, please submit your updated documents for review during the application process.

For New Customers or Existing Customers with Change(s) in Income/Employment
For SingPass holders applying with MyInfo

No documents are required

For Salaried Employees/Partial Commission-based Earners
  • Copy of NRIC (front and back)
  • (i) Latest computerised payslip OR
    (ii) Latest 6 months’ CPF Contribution History Statement

    To be considered for a higher loan amount, please submit your latest Income Tax Notice of Assessment (NOA) in addition to the above.

For 100% Commission-based Earners
  • Copy of NRIC (front and back)
  • (i) Latest Income Tax Notice of Assessment (NOA) OR
    (ii) Latest 3 months of Commission Statement from same employer
For Self-employed
  • Copy of NRIC (front and back)
  • Latest Income Tax Notice of Assessment (NOA)
Application Eligibility

 

  • Aged: 21 - 65 years
  • Minimum annual income: S$60,000
  • Must hold a Singapore Employment Pass
For Existing Standard Chartered Credit Cardholders

No documents are required.

However, if there has been a recent change to your income, please submit your updated documents for review during the application process.

For New Customers or Existing Customers with Change(s) in Income/Employment
For SingPass holders applying with MyInfo

No documents are required

Please prepare the following:
  • Copy of Passport (with at least 6 months’ validity)
  • Copy of your Employment Pass
  • Any ONE of the following documents:
    (i) Latest utility bill, rates or tax bill
    (ii) Latest bank / credit card statement (e-Statements are accepted)
    (iii) Rental agreement showing your address
    (iv) Latest mobile phone statement or pay-TV statement
    (v) Letter from employer stating current address
    (vi) Government-issued document stating current address (e.g. IRAS, CPF, ICA)
Additional Documents:
For Salaried Employees/Partial Commission-based Earners
  • Latest computerised payslip

    To be considered for a higher loan amount, please submit your latest Income Tax Notice of Assessment (NOA) in addition to the above.

For 100% Commission-based Earners
  • Copy of NRIC (front and back)
  • (i) Latest Income Tax Notice of Assessment (NOA) OR
    (ii) Latest 3 months of Commission Statement from same employer
For Self-employed
  • Latest Income Tax Notice of Assessment (NOA)
Annual fee
First year
S$199S$0

S$199 is deducted from the approved loan amount and refunded to your credit card or approved loan account within 50 working days from the approval date (CashOne Cashback Promotion Terms and Conditions apply)

From second year
S$0

until the expiry of the instalment tenor, S$50 will be charged annually if any instalments are not paid on or before the due dates in full for the preceding 12 consecutive calendar months

Other fees
Early redemption fee
S$150

or 3% of the outstanding principal (whichever is higher)

Change of tenor
S$50

per change, subject to the Bank’s approval

Late payment fee
S$80

additional interest will be calculated on a daily basis at the EIR of 26.9% p.a. (0.074% per day)

Default interest
EIR +4%p.a.

if 2 full repayments are late within 6 consecutive months, then default interest will apply (see FAQ)

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