Get cash the next working day and up to $1,088 cashback with an approved CashOne Personal Loan . Plus, receive additional $50 cashback when you apply online.
Apply Now


Realise your plans faster. Apply now and get cash the very next working day#.

Get up to $1,088 cashback* on your approved loan.

Approved Loan Amount Cashback Amount Cashback cap
Less than $50,000 1% of Approved
Loan Amount
$50,000 or more 1.5% of Approved
Loan Amount

Apply online now and receive additional $50 cashback. Plus, you will be awarded with an additional $199 credit to offset the first-year annual fee charged on your approved loan.

Terms and conditions apply .


Approved Loan Amount Cashback on Approved Loan Amount (Subject to a cap of $1,088) Credit awarded for 1st year annual fees Online Exclusive Cashback
$15,000 (1% of 15,000) = $150 $199 $50
$50,000 (1.5% of 50,000) = $750 $199 $50
$72,000 (1.5% of 72,000) = $1080 $199 $50
$150,000 (1.5% of 150,000) = $1088 (cashback cap) $199 $50

Note: The above table is presented for illustration purposes only, and promotional rates and/or cashback may be subject to change without prior notice, at the sole and absolute discretion of Standard Chartered Bank (Singapore) Limited (“Standard Chartered” or the “Bank”). CashOne Cashback Promotion Terms and Conditions apply.

Apply Now

Lower interest rates

Depending on your loan quantum and tenor, you can get interest rates from as low as 6.88% p.a. (Effective interest rate of 12.75% p.a.).

For annual income of $30,000 and above:

Loan Tenor Approved Loan Amount ($)
and Above
and below
(% p.a.)
(% p.a.)
(% p.a.)
(% p.a.)
1-year 7.80% 16.01% 8.58% 19.34%
2-year 7.80% 15.35% 8.58% 17.76%
3-year 7.50% 14.39% 8.38% 16.63%
4-year 7.50% 14.06% 8.38% 16.08%
5-year 6.88% 12.75% 8.08% 15.16%

For annual income of $20,000 to $29,999:

Loan Tenor Approved Loan Amount ($)
Below $5,000
AR (% p.a.) EIR3 (% p.a.)
1-year 9.80% p.a. 27.56%
2-year 9.80% p.a. 23.14%
3-year 10.80% p.a. 22.99%
4-year 10.80% p.a. 21.80%
5-year 10.80% p.a. 20.92%

AR: Applied / flat interest rate (from 6.88% to 10.80% p.a.)
EIR: Effective interest rate (from 12.75% to 27.56% p.a.)
For illustration, EIR is calculated taking into consideration the first year annual fee of $199; and
1 is based on average loan amount of $20,000
2 is based on average loan amount of $10,000
3 is based on average loan amount of $4,000

Loan Illustration

Thanks to our flexible monthly repayment schedule, you will be in a better position to manage your finances and your cash flow.

Loan Amount $20,000
Flat Interest Rate 7.50% p.a. (Effective Interest Rate of 14.39% p.a.)
Tenor 3 years
Total Interest Charged for the Loan $20,000 x 7.50% p.a. x 3 years = $4,500
Loan amount + Total Interest $20,000 + $4,500 = $24,500
Monthly Instalment $24,500 / 36 = $680.56

If you are an existing Standard Chartered Credit Cardholder, your available credit card limit may be used for CashOne personal loan.

If you are an existing Standard Chartered Personal Credit customer, your line of credit may be converted to a CashOne personal loan.

If you hold any of our Credit Cards with a credit limit of $500 and your annual income ranges from $20,000 to $29,999, your Credit Card account will be closed upon approval of the CashOne personal loan.


Fee Charge
Annual Fee

First year:
$199 (deducted from the loan approved)
Second year till expiry of instalment tenor:
$50 annual fee waived if all payment is received by payment due date for the past 12 months

Early redemption fee

$250 or 3% of the outstanding principal, whichever is higher

Change of tenor

$50 per change

Default interest (payment is not received by payment due date twice within 6 consecutive months)

4% p.a. will be added to the original EIR on your entire outstanding balance. The loan tenor will be extended so that your monthly instalment stays the same. This revised EIR will be reinstated to the original EIR when full payment is made by payment due date for six consecutive months.

Late payment

$80 will be charged if minimum payment is not received by the due date.

If the instalment amount payment is not received on or before the due date in full and a balance is carried forward from the relevant statement, finance charges will be calculated on a daily basis at the EIR of 25.9% per annum

Please refer to our CashOne personal loan Product Terms, Customer Terms, Credit Cards Terms, Personal Loan/Personal Line of Credit/Overdraft Terms, Current/Savings Account and Time Deposit Terms for the complete features, Terms and Conditions of CashOne personal loan.


You must be aged between 21 and 65 with a minimum annual income of:

  • $20,000 for Singapore citizens and permanent residents
  • $60,000 for foreigners with an Employment Pass
  • Employment Pass holders
    • Foreigners must be holders of P1, P2 or Q type Singapore Employment Passes
    • Q Pass holders must have minimum 1-year validity remaining on their passes

Apply Now

Debt Consolidation Plan

2017 Chinese New Year Dining Cashback Promotion

Free yourself from higher interest payments and manage your loans effectively with an affordable monthly repayment plan.

Terms and conditions apply.

Register now


What is CashOne personal loan?

CashOne personal loan is an instalment loan on your credit card that allows you to borrow up to 4 times your monthly income.

How many years can I borrow the loan for?

You can borrow the money for up to 5 years.

Will I be able to use my Platinum Credit Card or existing Standard Chartered Credit Card for retail transactions?

If your annual income is $30,000 or above, you will be issued a Platinum Credit Card. As the credit limit on your Platinum Credit Card or existing Standard Chartered Credit Card is treated as a loan, you will only be able to use the available credit limit for retail transactions once you have repaid the CashOne personal loan.

How do I qualify for CashOne personal loan?

You must be aged between 21-65 with a minimum annual income of:

  • $20,000 for Singapore citizens and permanent residents
  • $60,000 for foreigners with an Employment Pass

Learn more »

Terms and Conditions

#Standard Chartered Bank (Singapore) Limited (the "Bank")'s Next Day Cash is a service whereby if an applicant successfully submits a completed application to the Bank for a personal loan by 2pm (Monday-Friday, excluding Public Holiday), and the Bank approves such an application, the Bank will disburse the funds on the next working/banking day (Monday-Friday, excluding Public Holiday). In the event that the bank needs to contact you for additional information/confirmation to complete the application, standard processing turnaround time will apply. If the Bank is unable to process your application due to system failure, system outage, malfunction, delay or any other circumstances whatsoever, whether within our reasonable control or otherwise, the Bank may not be able to provide the Next Day Cash service and the Bank disclaims all liability arising for any such delay including any loss, damage or inconvenience caused to/incurred by you the applicant, or any third party arising from or in connection therewith. Click here for full terms and conditions.

^Get a loan of up to 4x your monthly income (subject to a maximum loan amount of $250,000) upon approval if your annual income is $30,000 and above.

* The CashOne Cashback Promotion is valid from 1 April to 30 June 2017 (the “Promotion Period”). If you apply for a new CashOne Personal Loan or Credit Card Instalment Loan (the “Loan”) with Standard Chartered Bank (Singapore) Limited (the “Bank”) and your application is approved during the Promotion Period, you will be eligible to receive (i) a one-time credit of $199 being the first year annual fees charged to you (“$199 Credit”) and (ii) Cashback of up to 1.5% of your approved loan amount will be awarded per eligible account (“Cashback”), subject to a cap of S$1,088. If you qualify for the $199 Credit and the Cashback, and had submitted your application for the Loan online, you will be eligible to receive a one-time further $50 Cashback per eligible Account (“Online Cashback”), provided always that your eligible loan account is valid, subsisting and in good standing. The $199 Credit, Cashback and Online Cashback is non-redeemable for cash, non-transferable, non-assignable and non-exchangeable and will be credited within 50 working days of loan approval. CashOne Cashback Promotion Terms and Conditions apply. Click here for full terms and conditions.

Our decision in all matters arising out of or in connection with this Promotion is final and conclusive and no correspondence will be entertained. Our Customer Terms, Personal Loan/Personal Line of Credit/Overdraft Terms and CashOne Product Terms apply. All information is correct at the time of publishing. Click here for full Terms and Conditions

Apply Online

Click here to sign up now.

Apply Now

Call Us

Call our hotline for further information.

1800 747 7000

Contact Me

Alternatively, please complete our contact form and we will be in touch as soon as possible.

Contact Me »

Locate Us

Visit the branch that is nearest to you.
Selected branches are open on Sunday to serve you better.

Find a Branch »

You might also be interested in

Auto Financing

Offers a flexible repayment plan, 100% financing, and attractive fixed interest rate packages that protect you against market fluctuations.

More details »
Back to Top

Speaking Up

Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.


Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.