UOB Personal Loan from 1.00% p.a. (EIR 1.93% p.a.) + Up to S$1,900 Cash & Rewards
Updated: 16 Feb 2026
✅ Quick Disbursement & Flexible Loan Tenure
⚡ Limited Time Offer!
Get up to S$1,300 cash + S$600 bonus cash via PayNow when you apply today!
💡 Enter a loan amount (from S$8,000) + tenure ≥ 36 months to see your reward
1. Click “Apply Now” on UOB's website
2. Fill out the application and upload all necessary documents
3. Wait for an offer from UOB
Note: Get instant approval and cash disbursed into your UOB accounts for applications submitted between 8am and 9pm
- Enjoy interest rates as low as 1.00% p.a (EIR from 1.93% p.a.)
- No processing fees
- Get instant approval and cash disbursed into your UOB accounts for applications submitted between 8am and 9pm
- Min. loan amount of S$1,000
- Min. income for Singaporeans/PRs: S$30,000 p.a.
- Read our full review of the UOB Personal Loan
- Foreigners are not eligible for UOB Personal Loan
- Cancellation fee: S$150 or 3% of outstanding approved loan amount, whichever is higher
- NRIC (Front & Back)
- For salaried employees: Last 3 months’ computerised payslip; or Latest Income Tax Notice of Assessment with latest 1 month’s computerised payslip; or latest 6 months’ CPF statement (for Singaporeans or PRs)
- For self-employed persons: Last 2 years’ Income Tax Notice of Assessment
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 and cons
Pros
Low interest rates from 1.00% p.a. (EIR from 1.93% p.a.)
No processing or hidden fees
Fast cash disbursement upon approval
Tenure options from 1 to 5 years
Easy repayment with fixed monthly instalments
Convenient loan management via UOB’s digital channels
Cons
Early repayment cancellation fee applies
Loan approval subject to credit assessment
Funds cannot be disbursed to UOB credit facilities such as credit cards or CashPlus accounts
Frequently asked questions about UOB personal loans
Applicants must be Singapore Citizens, Permanent Residents or eligible foreigners aged between 21 and 65 years, with a minimum annual income of S$30,000. Existing UOB Credit Card or CashPlus holders may have simplified application requirements. Approval is subject to credit assessment.
The UOB Personal Loan is a term loan with fixed monthly repayments and a fixed interest rate over a chosen tenure. CashPlus is a revolving credit facility linked to your CashPlus account, providing a credit line with flexible withdrawals and repayments, often used as standby cash.
Loan approval is typically instant or very fast for eligible applicants, especially for existing UOB customers with updated income and personal details. Funds are disbursed automatically after approval.
Loan details
Key features
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Interest rates from 1.00% p.a. (EIR from 1.93% p.a.)
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Loan tenures from 1 to 5 years
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No processing or hidden fees
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Flexible loan amounts, subject to eligibility and credit approval
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Instant cash disbursement upon loan approval
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Fixed monthly repayments based on reducing balance interest calculation
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Cash rebate up to 2% for loan amounts of S$15,000 and above with minimum 36-month tenure (eligible only for applications submitted via UOB Personal Loans page)
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Manage loan conveniently through UOB’s digital platforms
Repayment
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Annual interest rate: From 1.00% p.a.
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Effective Interest Rate (EIR): From 1.93% p.a.
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Handling fee amount: No handling fee or processing fee
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Early repayment fee: S$150 or 3% of outstanding balance, whichever is higher
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Approval duration: Instant approval and cash disbursement
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Loan amount: Subject to bank’s approval based on credit and income profile
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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: S$30,000
Eligibility
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Citizenship status: Singapore Citizens and Permanent Residents
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Age requirement: Aged 21 to 65 years
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Employment status: Salaried or self-employed with minimum income of S$30,000
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Existing UOB Credit Card or CashPlus account holders may enjoy simplified application requirements
Fees and charges
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Processing fee: No processing fees
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Early repayment penalty: Early repayment incurs a cancellation fee of S$150 or 3% of outstanding balance
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Late payment fee: Late payment or missed instalment triggers prevailing UOB credit card late fees and daily finance charges (or CashPlus overdraft charges) until the full amount is paid
Other notable features
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Manage your loan and repayments via UOB digital banking platforms
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No collateral or guarantor required
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Flexible repayment tenures and competitive interest rates
How to apply for a UOB personal loan
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Click the “Apply Now” button on this page.
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Fill in your personal and income details.
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Submit required documents (may be waived if you are an existing UOB Credit Card or CashPlus account holder).
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Wait for approval, which is generally instant based on credit profile.
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Upon approval, loan amount will be disbursed automatically into your nominated bank account.
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Repay monthly instalments as per your agreement.
Comparison to other loans
|
Loan |
Monthly Repayment |
Annual Interest Rate |
Total Interest |
EIR |
|
UOB Personal Loan |
S$429 |
1.00% |
S$450 |
1.92% p.a. |
|
Standard Chartered CashOne Personal Loan |
S$430 |
1.08% p.a. |
S$486 |
2.09% p.a. |
|
Trust Bank Instant Loan |
S$436 |
1.56% p.a. |
S$702 |
3.00% p.a. |
|
DBS Personal Loan |
S$435 |
1.48% p.a. |
S$666 |
3.47% p.a. |
|
CIMB Personal Loan |
S$437 |
1.60% p.a. |
S$720 |
3.07% p.a. |
|
GXS FlexiLoan |
S$430 |
1.08% p.a. |
S$486 |
2.09% p.a. |
|
HSBC Personal Loan |
S$440 |
1.83% p.a. |
S$824 |
3.50% p.a. |
|
EZ Loan |
S$540 |
9.88% p.a. |
S$4,446 |
9.88% p.a. |
|
Cash Direct |
S$549 |
10.56% p.a. |
S$4,752 |
10.56% p.a. |
|
Credible.sg Personal Loan |
S$553 |
10.88% p.a. |
S$4,896 |
10.88% p.a. |
|
JD Credit Pte Ltd |
S$562 |
11.60% p.a. |
S$5,220 |
11.60% p.a. |
|
POSB Personal Loan |
S$435 |
1.48% p.a. |
S$666 |
3.47% p.a. |
Note: All of the values above are merely indicative and do not reflect the actual terms of your loan, which may vary depending on the lender, your individual profile, and prevailing market conditions. All values above assume a loan amount of S$15,000 to be repaid over 36 months.
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