Standard Chartered CashOne Personal Loan from 1.80% p.a. + Up to S$1,700 Cash (EIR ~3.44% p.a.)
Updated: 3 Oct 2025
✅ Fast Approval, Disbursement & Flexible Loan Tenure
⚡ Limited Time Offer!
Get up to S$1,200 cash + S$500 bonus cash via PayNow when you apply today — plus enjoy Standard Chartered’s welcome offer worth S$60 cashback.
💡 Enter a loan amount (from S$8,000) + tenure ≥ 36 months to see your reward
- Enjoy low interest rates from 1.80% p.a. (EIR: 3.44% p.a.) for longer tenures. Get instant loan approval and cash disbursement in as quick as 15 minutes to your designated bank account.
- Enjoy a 5-year annual fee waiver on your Standard Chartered Platinum Visa credit card
- Min. loan amount of S$1,000
- Max. loan amount of up to S$250,000
- Allow for change of loan tenure.
- Allow for flexible repayment without late fees.
- Waiver of S$50 annual fee (from 2nd year till expiry of loan) if all instalments for the year are paid on or before the due dateMax. loan amount of up to 4X monthly salary, capped at S$250,000
- Read our full review of the Standard Chartered CashOne Personal Loan
- EIR calculated is not yet inclusive of the first-year annual fee of S$199. Interest rate in your application will be based on your credit profile as determined by Standard Chartered.
- First year annual fee: S$199
- Early repayment fee: S$150 or 3% of the outstanding principal, whichever is higher
- Change of tenure: S$50 per change
- Late payment fee: S$100
- Copy of Passport (with at least 6 months' validity), including the page with address displayed (where applicable)
- Copy of your Employment Pass
- Any ONE of the following documents:
- Latest utility bill, rates or tax bill
- Latest bank / credit card statement (e-Statements are accepted)
- Rental agreement showing your address
- Latest mobile phone statement or pay-TV statement
- Letter from employer stating current address
- Government-issued document stating current address (e.g. IRAS, CPF, ICA)
No documents required for Singaporeans / PRs applying via SingPass.
For foreigners applying via SingPass, please prepare the following:
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
Market-leading rates from 1.60% p.a.
Instant approval and fast disbursement
Attractive cashback for larger loans
No documents required for existing customers
Cons
First-year annual fee reduces the effective cashback benefit
Higher minimum income requirement for foreigners
Maximum loan tenure is only 5 years
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.
Loan details
Key features
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Promotional interest rates from 1.60% p.a. (EIR from 3.07% p.a.)
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Cashback: S$60 for every S$6,000 approved (min. 3-year loan)
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Loan amounts up to S$250,000
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Tenures from 1 to 5 years
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Instant approval and quick disbursement
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No late payment penalty if instalments are fully paid consecutively for 6 months
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No documents required for existing SC credit cardholders (unless income has changed)
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Platinum Visa Credit Card issued if no SC credit card is held and annual income is above S$30,000
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Flexible repayment starting as low as S$50/month
How to apply for the Standard Chartered CashOne Personal Loan
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Click the “Apply Now” button on this page.
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Fill in the online application form with personal and income details.
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Submit required documents (not needed if you are an SC credit cardholder).
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Wait for instant approval.
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Upon approval, the loan is disbursed directly to your account.
Related pages
Personal loan pages
Loan providers
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💵 Get up to S$1,200 + S$500 Bonus and Bank Welcome Offer worth S$60