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Not all debts are bad

Debts in the form of carefully considered loans can be very useful in times of need

This article is brought to you by Standard Chartered Bank (Singapore) Limited (“Standard Chartered”). All information provided is for informational purposes only.

Not all debts are bad

Contrary to the more conservative opinions of our parents or relatives, not all debts are bad.

Most of us would struggle to buy a home or a car without a mortgage or car loan. Occasionally, we may also find ourselves in a financial bind, and would appreciate some help to ease our cashflow.

By understanding the benefits of a personal loan, you will be able to evaluate your needs and make a well-informed decision. Here are some benefits of Standard Chartered’s CashOne Personal Loan that you can take advantage of:

Quick access to cash

Need some money urgently for an emergency medical payment or to secure a great deal? With Standard Chartered’s CashOne Personal Loan, get cash disbursed into any existing bank account of your choice within 15 minutes1 when you apply online2.

Flexibility of usage

It doesn’t matter whether you plan to pay for your honeymoon expenses or start a small business. The loan amount will be disbursed to the account of your choice and you will have full control over how you use it.

Lower interest rates

Interest rates on personal loans are much lower than those of credit cards and other money lenders. You will be able to save hundreds on your interest payments just by using a personal loan to pay off your existing high interest rate loans.

Regular fixed monthly payments

Instead of dipping into your savings for a large payment, a personal loan can help you ease your cashflow with fixed monthly payments. Use the calculator on our website to decide on your loan amount, tenure and repayment details.


For these reasons, a personal loan can be very useful in times of need. If you’ve considered carefully and decided that a personal loan is the right choice, use the calculator on our website to understand the repayment details based on your loan amount and tenure.

Receive up to S$2,400 cashback upon approval with interest rates from 3.48% p.a. (EIR from 6.95% p.a.)
If you are thinking of taking out a personal loan, Standard Chartered offer competitive rates plus our deals are all easy to apply for.

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