UOB Personal Loan from 1.52% p.a. + Up to S$1,800 Cash (EIR 2.92% p.a.)

✅ Quick Disbursement & Flexible Loan Tenure

💡 Enter a loan amount (from S$8,000) + tenure ≥ 36 months to see your reward

Key features

• Interest rates from 1.85% p.a. (EIR from 3.40% p.a.) 

• Loan tenures from 1 to 5 years

• No processing or hidden fees

• Flexible loan amounts, subject to eligibility and credit approval

• Instant cash disbursement upon loan approval

• Fixed monthly repayments based on reducing balance interest calculation

• 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)

• Manage loan conveniently through UOB’s digital platforms

Repayment

• Annual interest rate: From 1.85% p.a. 

• Effective Interest Rate (EIR): From 3.40% p.a.

• Handling fee amount: No handling fee or processing fee

• Early repayment fee: S$150 or 3% of outstanding balance, whichever is higher

• Approval duration: Instant approval and cash disbursement

• Loan amount: Subject to bank’s approval based on credit and income profile

• Minimum loan tenure: 1 year

• Maximum loan tenure: 5 years

• Minimum annual income: S$30,000

Eligibility

• Citizenship status: Singapore Citizens and Permanent Residents

• Age requirement: Aged 21 to 65 years

• Employment status: Salaried or self-employed with minimum income of S$30,000

• Existing UOB Credit Card or CashPlus account holders may enjoy simplified application requirements

Fees and charges

• Processing fee: No processing fees

• Early repayment penalty: Early repayment incurs a cancellation fee of S$150 or 3% of outstanding balance

• 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

• Manage your loan and repayments via UOB digital banking platforms

• No collateral or guarantor required

• Flexible repayment tenures and competitive interest rates

1. Click the “Apply Now” button on this page.

2. Fill in your personal and income details.

3. Submit required documents (may be waived if you are an existing UOB Credit Card or CashPlus account holder).

4. Wait for approval, which is generally instant based on credit profile.

5. Upon approval, loan amount will be disbursed automatically into your nominated bank account.

6. Repay monthly instalments as per your agreement.

Personal loan pages

• Best Personal Loans in Singapore

• Best Payday Loans Singapore

• Best Personal Loans for Low-Income Earners in Singapore

• Best Loans for Bad Credit

• Best Loans for Emergencies

• Best Personal Loans for Foreigners in Singapore
  
  

Loan providers

• CIMB Personal Loan

• DBS Personal Loan

• GXS Personal Loan

• Standard Chartered Personal Loan

• HSBC Personal Loan

• Trust Personal Loan