woman excited about her cashone personal loan approval
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CashOne Personal Loan

A personal loan designed to help you get ahead

CashOne Personal Loan Benefits1

  • Enjoy competitive interest rates (EIR from 7.24% p.a.)

  • Get cash disbursed to any existing bank account of your choice

  • Cash when you borrow S$20,000 or more

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

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 tenure (see FAQ). Default rate 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) 
  1. Anniversary Cashback: As Standard Chartered celebrates our 160th Anniversary in Singapore, enjoy S$160 Anniversary Cashback when your approved loan amount is S$20,000 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

myinfo-logo

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

myinfo-logo

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$199 S$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

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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