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Important things to note
Please note that our decision in all matters arising out of or in connection with this application is final and conclusive. Our Customer Terms, Credit Card Instalment Loan Product Terms, Personal Loan/Personal Line of Credit/Overdraft Terms and CashOne Product Terms apply. All information is correct at the time of publishing. Full terms and conditions are available on our website at https://www.sc.com/sg/borrow/loans/cashone/.
Applicable Fees and Charges
A default interest of 4% p.a. (or any other rate as we may stipulate from time to time in our discretion) will be added to the original Effective Interest Rate on the entire outstanding balance on your CashOne Personal Loan/Credit Card Instalment Loan account, if full payment is not received by the payment due date twice within any consecutive 6 months period.
An early redemption fee of S$250 or up to 3% of the outstanding balance, whichever is higher, will be charged if you choose to close the account or redeem the loan before the date of maturity. Please note that failure to submit account closure form to effect early redemption of account will result in monthly interest continuing to be charged even if payment has been made to your CashOne Personal Loan/Credit Card Instalment Loan account.
Annual loan maintenance fee of S$199 (first year) and S$50 (second year onwards till expiry of instalment tenor) will be charged per Credit Card Instalment Loan account. The first year annual fee of S$199 will be deducted upfront from the approved loan amount.
A conversion fee of S$50 per change will be charged for any changes in instalment tenor or repayment aspect of CashOne Personal Loan/Credit Card Instalment Loan account.
If you are an existing Standard Chartered Credit Cardholder and you apply for a CashOne Personal Loan, you consent to us treating your application as a Credit Card Instalment Loan which will drawdown from your existing credit card limit.
If you are an existing Standard Chartered Credit Cardholder or are applying for a new Platinum VISA Credit Card with this application, your available credit card limit will be used for your CashOne Personal Loan/Credit Card Instalment Loan account (up to 98% of the available credit limit of your credit card).
If you are an existing Standard Chartered Personal Credit customer, your line of credit account may be converted to a CashOne Personal Loan/Credit Card Instalment Loan account.
If you hold any of our Credit Cards with a credit limit of S$500 and your annual income ranges from S$20,000 to S$29,999, your Credit Card account will be closed upon approval of the CashOne Personal Loan.
Request for credit report
If you wish to have a free credit report, you may obtain it within 30 calendar days from the date of approval or rejection of this application via the credit bureau website listed below. Alternatively, you may bring the approval or rejection letter and your NRIC to the following credit bureau’s registered office to obtain a free credit report.
Credit Bureau (Singapore) Pte Ltd
CashOne Personal Loan/Credit Card Instalment Loan Declaration and Acceptance
Important information for your preferred credit limit
You understand and agree that:
You confirm you have read, understood, and agree to be bound by the matters set out in the CashOne Personal Loan/Credit Card Instalment Loan Declaration and Acceptance section above, and the applicable terms (including the Customer Terms, Credit Card Instalment Loan Terms, the Personal Loan/Personal Line of Credit/Overdraft Terms, the CashOne Product Terms and all other applicable terms referred to in Part A of our Customer Terms forming our banking agreement), and you wish to submit your application. You agree to be bound by them for the use of any product we may provide you with. All terms and conditions are also available at any branch and on our website at https://www.sc.com/sg/borrow/loans/cashone/, and you can request a hard copy by calling us at 1800 747 7000.