Receive $100 and additional 1.2% cash rebate on your personal loan of up to 4x your monthly income. Plus, get approval-in-principle in 60 seconds.
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CashOne gives you a loan of up to 4x your monthly income* and 12 to 60 months repayment options. So you can take a well-deserved holiday or make the most of an investment opportunity and be rewarded with cash rebate- for approved loans with tenors of 36, 48 or 60 months.

^1.2% cash rebate is only applicable to approved loan amount of S$5,000 and above. Promotion Terms and Conditions apply.


Get up to $2,500 worth of cash rebate!

Loan amount (3 – 5 years of Tenor) $100 Cash Rebate 1.2% Cash Rebate Total Cash Rebate
$5,000 $100 $60 $160
$10,000 $100 $120 $220
$50,000 $100 $600 $700
$200,000 $100 $2400 $2,500

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”). Promotion Terms and Conditions apply

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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.).

Loan Tenor Approved Loan Amount ($)
and Above
and Below
(% p.a.)
(% p.a.)
(% p.a.)
(% p.a.)
(% p.a.)
(% p.a.)
1-year 7.80% 16.01% 8.58% 19.34% 9.80% 27.56%
2-year 7.80% 15.35% 8.58% 17.76% 9.80% 23.14%
3-year 7.50% 14.39% 8.38% 16.63% 10.80% 22.99%
4-year 7.50% 14.06% 8.38% 16.08% 10.80% 21.80%
5-year 6.88% 12.75% 8.08% 15.16% 10.80% 20.92%

AR: Applied / flat interest rate
EIR: Effective interest rate
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 Repayment Period

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

Loan Tenor Loan Amount ($)
3,000 10,000 15,000 20,000
1-year 275 905 1,348 1,797
2-year 150 488 723 963
3-year 110 348 510 681
4-year 90 278 406 542
5-year 77 234 336 448

For illustration purposes, the calculation is rounded up/down to the nearest dollar.

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

$60 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 24.455% per annum (minimum).

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

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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

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Terms and Conditions

* Get a loan of up to 4x your monthly income (subject to a maximum loan amount of $200,000) upon approval if your annual income is $30,000 and above.

# Approval In-Principle Service ("Service") allows you to obtain approval in principle ("AIP") for an online credit card or personal loan application. An AIP is a conditional approval that is subject to receipt of complete supporting documents within 30 days and further review by the Bank. The Service is only available from Mon-Sat between 8am-10pm and on Sun and PH between 2-10pm. This Service is available if you apply for the credit facility in your sole name, and you are not an existing principal credit cardholder or personal loan customer of the Bank. If you are an existing principal credit cardholder of the Bank, you are eligible for this Service only if your employment or income details have changed and you submit supporting documents as part of your application. Standard Chartered Approval In-Principle Service Terms and Conditions apply.

CashOne / Credit Card Instalment Loan Online Exclusive Cash Rebate Promotion Terms and Conditions:
Offer is from 1 September 2015 to 31 December 2015. The cash rebate will be credited to your CashOne account 50 working days after the CashOne application approval date. We reserve the right to determine at our discretion whether an applicant has (a) successfully submitted the application online during the Promotion Period; and (b) met all other requirements of the Promotion. Other terms and conditons apply.

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.

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