Disclaimer

You are now leaving the Standard Chartered Bank (Singapore) Limited (“SCBSL”) website to access a third party website ("Third Party Website").

SCBSL shall not be liable for the handling of any information you may provide on the Third Party Website, or for any loss incurred in connection with your access to or use of the Third Party Website. SCBSL makes no warranties, representations or undertakings about the Third Party Website.

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

Home Makeover made possible with 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?

Benefits1

  • Enjoy competitive rates
    (EIR 7.67% p.a.)

  • Off your first month’s instalment amount in the form of a cashback

  • within
    15 mins

    Get cash disbursed to any existing bank account of your choice

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:

The rates above are for illustration purposes only. The interest rate shown to you in your online application is based on your personal credit profile as determined by us and may differ from the illustrative interest rate above and the interest rate shown to other borrowers. Default EIR rate is calculated taking into consideration the first-year annual fee of S$199 and is based on S$20,000 over a 5-year tenure.

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 4).

CashOne Personal Loan Cashback: From now till 30 June 2020, enjoy cashback of  50% of your first month’s instalment amount as indicated on your CashOne / Credit Card Instalment Loan account statement when your approved loan amount is S$15,000 and above, to be repaid over a tenure of 4 or 5 yearsCashOne Personal Loan Cashback Promotion Terms and Conditions apply.

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
  • (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)

BACK TO TOP
APPLY NOW