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Fast forward your plans with CashOne Personal Loan

Woman excited about her CashOne personal loan approval

Fast forward your plans with CashOne Personal Loan

Realise your plans faster with CashOne

A personal loan that allows you to borrow up to 4x your monthly income. Apply now to enjoy staff preferential rate from 2.88% p.a. (EIR 5.43% p.a)

Preferential Rate Table

Enjoy preferential staff interest rate as low as 2.88%p.a. (EIR 5.43%p.a.) on your CashOne Personal Loan

Loan Tenor  
AR (% p.a.)
EIR (% p.a.)
1-year 3.88 7.09
2-year 3.88 7.28
3-year 2.88 5.46
4-year 2.88 5.45
5-year 2.88 5.43
AR: Applied / flat interest rate     EIR: Effective interest rate
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 26.9% per annum (0.074% per day).
Annual Fee for Standard Chartered Platinum Visa Credit Card $192.60 (including GST) –waived for staff
Please click here for more information on the Platinum Visa Credit Card, including the applicable fees and charges (such as the finance charges and late payment fee)

Staff Banking Privileges


  • No annual fee for the bundled Visa Platinum Credit Card
  • No early redemption fees
  • No hassle as income details and/or documents are obtained from HR department directly with your consent
  • No credit card annual fee


  • First year annual fee:
    $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 of $150 or 3% of the outstanding principal, whichever is higher
  • Annual fee of $192.60 (including GST) –waived for 5 years


Terms and conditions

Important Information

If you are an existing Standard Chartered Credit Cardholder, you will be applying for a Credit Card Instalment Loan which will drawdown from your existing Credit Card limit.

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.

iPhone and Android Apps

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