Best BOC Loans in Singapore 2025
Updated: 3 Jul 2025
BOC SmartCash
Existing BOC Credit Card customer
1. Log in to BOC Mobile Banking with your Face ID or User ID & PIN
2. Tap on "Personal Loan" and choose "Loan"
3. Fill out the application and submit
New BOC customer needs to apply for credit card before taking up loan
- One of the lowest interest rates in the market
- One of the longest repayment periods in the market
- Fixed monthly repayment amount
- Interest saving with reducing balance method
- *The actual rates offered to you will be based on your credit score and is subject to the provider's approval.
- Min. age requirement: 21 years old
- Minimum annual income of S$30,000 for Singaporean citizen or PR
1. NRIC (Front & Back)
2. Proof of residential address (if different from back of NRIC) (Utility bill/bank statement showing name and residential address within past 3 months)
3. Proof of billing address (if different from the above 2)
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.
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