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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.

How It Works

Lower interest rates
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%4 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
4 Valid for applications submitted and approved from 1 February 2014 to 31 August 2015
5 Refer to for full terms and conditions

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 4,000 10,000 15,000 20,000
1-year 275 366 905 1,348 1,797
2-year 150 199 488 723 963
3-year 110 147 348 510 681
4-year 90 119 278 406 542
5-year 77 103 234 336 448

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.


Gifts upon approval

Be rewarded with an attractive gift~ for approved loans with tenors of 36, 48 or 60 months, while stocks last.

Approved loan amount:
$30,000 and above
promo image

Canon EOS 1100D Kit (EFS18-55 IS II)
(worth $799)
Also available in brown, while stocks last

Approved loan amount:
$13,000 to $29,999
promo image

Samsung GALAXY Tab 3 (7.0") Wi-Fi®
(worth $298)

Approved loan amount:
$5,000 to $12,999
promo image

American Tourister DC Superlite II Spinner 66cm Expandable
(worth $120)
Also available in purple and red, while stocks last.

Plus, apply online now and receive a $100 Isetan voucher^ upon approval.

^Online CashOne personal loan ($100 Isetan Shopping Voucher) Promotion Terms and Conditions.

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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


    • 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.

      Annual 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


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.


Free Gift Promotion Terms and Conditions:
Offer is limited to one gift per customer and is valid for new CashOne applications approved from 1 August 2014 to 31 August 2015 on a first-come, first-served basis, while stocks last. A redemption letter will be mailed to eligible applicants’ mailing address 50 working days after the CashOne application approval date. The gift is not exchangeable for cash or any other items. We are not an agent of the merchant and we make no representation as to the quality/condition or performance of goods and services provided and are not responsible for the quality, merchantability or fitness for any other aspect of the gift redeemed. Any dispute between a customer and the vendor in respect of any gift redeemed shall be resolved directly with the vendor. We reserve the right to vary the terms of the promotion, or substitute any gift with another gift without prior notice. Our decision as to the eligibility of a customer to any of the gift is final. CashOne account must remain valid, subsisting and in good standing as determined by the Bank as at the date of redemption. Value of advertised gifts may vary depending on retailer and period of time. Our Customer Terms, Personal Loan/Personal Line of Credit/Overdraft Terms and CashOne Product Terms apply.

  • approved new CashOne loan amount of S$30,000 and above, with loan tenor of 12 to 60 months; and
  • at the point of redemption of the gift, the customer must have an existing CashOne account which is valid, subsisting, and in good standing as determined by the Bank.

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