[OLD] Standard Chartered CashOne Personal Loan Singapore : Lowest Rates & Fast Cash (2026)
Updated: 1 Jan 2026
Looking for options ? Explore latest offers from top lenders in SingSaver.
Loan | Annual Interest Rate | Monthly Repayment | SingSaver Reward | Trending Reward | Total Cost of Loan | EIR | |
|---|---|---|---|---|---|---|---|
 | Starting from 1.80 % | S$439 | S$410 | S$810 | Starting from 3.44 % p.a. |
1. Go to Standard Chartered's website and click "Apply Now” button under Personal Loans
2. Fill out an application and submit all required documents
3. Wait for approval of personal loan from Standard Chartered
- 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.
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
SingSaver’s offer
Repayment
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Annual interest rate: From 1.60% p.a.
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Effective interest rate (EIR): From 3.07% p.a. (up to 3.48% with first-year fee)
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Total amount repayable: ~S$15,720 (loan amount S$15,000, 3-year tenure)
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Monthly instalments: From S$436.68
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Handling fee amount: First-year annual fee S$199 (deducted upfront)
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Approval duration: Instant approval and fast cash disbursement
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Citizenship: Singaporeans, PRs, and foreigners (with Employment Pass)
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Principal loan amount: Up to S$250,000
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Minimum loan tenure: 1 year
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Maximum loan tenure: 5 years
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Minimum annual income: From S$30,000 (Singaporeans/PRs), S$90,000 (foreigners)
Eligibility
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Citizenship status: Singaporeans, PRs, and foreigners with valid Employment Pass
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Age requirement: 21 years and above
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Employment status: Salaried or self-employed, foreigners must hold a Singapore Employment Pass
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Minimum annual income:
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Singaporean/PRs: S$30,000
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Foreigners: S$90,000
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Documents required:
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NRIC/FIN or Passport copy
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Singaporeans/PRs: Income proof (payslips/CPF/NOA) unless you’re an existing SC credit cardholder
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Foreigners:
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Copy of your Employment Pass
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Any ONE of the following documents:
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(i) Latest utility bill, rates, or tax bill
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(ii) Latest bank/credit card statement (e-Statements are accepted)
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(iii) Rental agreement showing your address
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(iv) Latest mobile phone statement or pay-TV statement
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(v) Letter from employer stating current address
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(vi) Government-issued document stating current address (e.g. IRAS, CPF, ICA)
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Fees and charges
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Processing fee: None (but first-year annual fee of S$199 applies)
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Annual fee: S$199 (first year), S$50 from the second year if no consecutive 12 months of timely payments
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Late payment fee: S$100 + finance charges at 29.9% p.a.
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Early repayment penalty: S$150 or 3% of outstanding principal (whichever is higher)
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Other fees: S$50 for tenure change, default interest +4% if persistent late payments
Other notable features
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Cashback rewards based on approved loan size
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No late penalty flexibility for on-time payers
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Quick access to funds for weddings, renovations, education, or travel
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
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.
Comparison to other loans
|
Loan |
Monthly Repayment |
Annual Interest Rate |
Total Cost of Loan |
EIR |
|
Standard Chartered CashOne Personal Loan |
S$291 |
1.60 % |
S$480 |
3.07 % p.a. |
|
UOB Personal Loan |
S$293 |
1.85 % |
S$555 |
3.40 % p.a. |
|
Trust Bank Instant Loan |
S$294 |
1.99 % |
S$597 |
3.80 % p.a. |
|
DBS Personal Loan |
S$294 |
1.99 % |
S$597 |
3.80 % p.a. |
|
CIMB Personal Loan |
S$291 |
1.56 % |
S$468 |
2.99 % p.a. |
|
GXS FlexiLoan |
S$293 |
1.88 % |
S$564 |
3.47 % p.a. |
|
HSBC Personal Loan |
S$296 |
2.20 % |
S$660 |
4.00 % p.a. |
|
EZ Loan |
S$377 |
11.88 % |
S$3,564 |
11.88 % p.a. |
|
Cash Direct |
S$374 |
11.60 % |
S$3,480 |
11.60 % p.a. |
|
Credible.sg Personal Loan |
S$378 |
12.00 % |
S$3,600 |
14.00 % p.a. |
|
JD Credit Pte Ltd |
S$402 |
14.88 % |
S$4,464 |
14.88 % p.a. |
|
POSB Personal Loan |
S$294 |
1.99 % |
S$597 |
3.80 % p.a. |
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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