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  1. Help Centre
  2. Personal Loans

Get help for your Personal Loan and Debt Consolidation Plan

Frequently Asked Questions

CashOne / Credit Card Instalment Loan is a personal loan on your credit card that allows you to borrow up to 4 times your monthly income. Click here for more details and to apply.

Click here for more details and to apply.

You can refer to your monthly statements or log in to Online Banking/ SC Mobile app.

Online Banking
Step 1: Log into Online Banking.
Step 2: Click on “eStatements/eAdvices” on top right hand corner.
Step 3: Select the “View PDF” option to view your statement.
Step 4: Refer to “Instalments Loan Summary” table for details.

SC Mobile app
Step 1: Log into SC Mobile app.
Step 2: Click on “eStatements”.
Step 3: Select the “View” or “Download” option to view your statement.
Step 4: Refer to “Instalments Loan Summary” table for details.

Please refer to your latest statement for the outstanding principal amount. A fee of S$150 or 3% of your outstanding principal, whichever is higher, will be levied for any early redemption.

Online Banking
Step 1: Go to Help & Services
Step 2: Select “Account Management”
Step 3: Choose your reason for closing the loan
Step 4: Select the loan(s) you wish to close
Step 5: If required, update your contact number (optional)
Step 6: Click “Confirm” to submit your request

SC Mobile app
Step 1: Go to Help & Services
Step 2: Select “Account Management”
Step 3: Choose your reason for closing the loan
Step 4: Select the loan(s) you wish to close
Step 5: If required, update your contact number (optional)
Step 6: Click “Confirm” to submit your request

Click here for the full list of available Digital Services.

A Debt Consolidation Plan (DCP) is a debt refinancing program which offers a customer the option to consolidate all his unsecured credit facilities (such as credit cards and some types of unsecured loans) across financial institutions with 1 participating financial institution. Certain categories of unsecured loans are excluded from DCP, such as joint accounts, renovation loans, education loan, medical loans, and/or credit facilities granted for businesses or business purposes.

A Debt Consolidation Plan (DCP) helps to consolidate your debts across different financial institutions into one single payment. There are three main benefits to doing this.

• Easier tracking and planning: It can be hard to keep track of multiple payments every month. Consolidate your debts into one single payment for ease of tracking.

• Potentially lower interest rates: You can often get a DCP at a lower interest rate compared to your outstanding debts. This is especially so if they are mainly credit card debts.

• Enforced financial discipline: If you are considering a DCP, you are already on your way to improve your financial situation and spending habits. By consolidating your debts into one single payment, it will be easier to track your finances.

To be eligible for a DCP, you must:

• be a Singapore Citizen or Permanent Resident
• earn between S$30,000 and below S$120,000 per annum
• have total interest-bearing unsecured debt on all credit cards and unsecured credit facilities with financial institutions in Singapore that exceeds 12 times of your monthly income
• aged 21 – 65 years old

To apply, click here.

If you wish to speak to us for more information, you can SMS LOAN< space >DCPINFO< space >NAME to 77222 for us to call you back.

The following documents are required:

• NRIC (front and back)
• Copy of latest credit bureau
• Copy of the latest statements of your credit cards and unsecured credit facilities from Standard Chartered and Other Banks
• Copy of latest income documentations