DBS Cashline
Updated: 20 Nov 2025
✅ Fast Approval, Disbursement & Flexible Loan Tenure
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DBS Cashline
1. Apply via the online form on DBS' website or digibank online and mobile
2. Submit required documents and wait for approval from DBS
- Loan up to 4x your monthly salary or 10x if your monthly salary is more than S$120,000
- Link your Current/Savings account to your Cashline account to enjoy auto top-up service if your Current/Savings account balance falls below a pre-set level
- Transfer funds, withdraw cash, and pay bills with internet banking, ATMs, a chequebook, and AXS machines
- Use the credit limit for an interest-free loan with DBS Balance Transfer which offers 0% interest rate with a processing fee of 2.5% for 6 months tenure, or take up a Personal Loan from as low as 3.88% p.a and 1% processing fee (EIR 7.56% p.a)
- Annual fee of S$120 waived for first year
- Min. monthly repayment: 2.5% of your outstanding balance or S$50, whichever is higher
- Min. annual income: S$30,000
- Min. interest charge: S$10
- Late payment fee: S$120
- Annual fee: S$120
- Overlimit fee: S$40
- 29.8% p.a. interest for incomes between S$20,000 and below S$30,000
- NRIC (front and back)
- Latest payslip or salary crediting history or NOA (for commission / self-employed)
- Option to skip document upload via MyInfo/Singpass where applicable.
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.
Pros & cons
Pros
Loan up to 4x your monthly salary or 10x if your monthly salary is more than S$120,000
Link your Current/Savings account to your Cashline account to enjoy auto top-up service if your Current/Savings account balance falls below a pre-set level
Transfer funds, withdraw cash, and pay bills with internet banking, ATMs, a chequebook, and AXS machines
Use the credit limit for an interest-free loan with DBS Balance Transfer which offers 0% interest rate with a processing fee of 2.5% for 6 months tenure, or take up a Personal Loan from as low as 1.48% p.a and 0% processing fee (EIR 2.84% p.a)
Annual fee of S$120 waived for first year
Cons
S$10 minimum interest charge for any remaining balance on your loan.
Maximum loan tenure is only 5 years
Increased 29.8% p.a. interest rate for customers with annual incomes between S$20,000 and below S$30,000
Frequently Asked Questions about the Standard Chartered CashOne Personal Loan
You earn S$60 cashback for every S$6,000 of approved loan, with a minimum tenor of 3 years.
The promotional rate starts from 1.60% p.a. (EIR from 3.07% p.a., 3.48% with annual fee).
No, but there is a first-year annual fee of S$199 deducted upfront.
For Singaporeans/PRs: S$30,000 annually. For foreigners: S$90,000 annually.
Disbursement is instant upon approval, credited to your bank account.
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