BOC Loans from 2.20% p.a. (EIR ~4.28% p.a.)
Updated: 31 Dec 2025
Bank of China's Personal Loan offers streamlined financial solutions to simplify your daily transactions and enhance cash management efficiency. It's designed to support your business or personal needs with convenience and control.
✅ Fast Approval, Disbursement & Flexible Loan Tenure
Loan | Monthly Repayment | SingSaver Reward | Annual Interest Rate | Total Cost of Loan | EIR | ||
|---|---|---|---|---|---|---|---|
 | BOC SmartCash | S$446 | - | 2.31 % | S$1,040 | 4.49 % p.a. |
BOC SmartCash
Monthly Repayment
S$ S$
446EIR
4.49 % p.a.Processing Fee
S$ S$
0Existing BOC Credit Card customer
1. Log in to BOC Mobile Banking with your Face ID or User ID & PIN
2. Tap on "Personal Loan" and choose "Loan"
3. Fill out the application and submit
New BOC customer needs to apply for credit card before taking up loan
- One of the lowest interest rates in the market
- One of the longest repayment periods in the market
- Fixed monthly repayment amount
- Interest saving with reducing balance method
- *The actual rates offered to you will be based on your credit score and is subject to the provider's approval.
- Min. age requirement: 21 years old
- Minimum annual income of S$30,000 for Singaporean citizen or PR
Eligibility
Minimum Age: 21 years old
Min. Annual Income: S$30,000
Required Documents
1. NRIC (Front & Back)
2. Proof of residential address (if different from back of NRIC) (Utility bill/bank statement showing name and residential address within past 3 months)
3. Proof of billing address (if different from the above 2)
Key Features
The information displayed above is for reference only. The actual rates offered to you will be based on your credit score and is subject to the provider's approval.
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