Key features

• Interest rates from 1.99% p.a. with Effective Interest Rate from ~4.17% p.a.

• Processing fee ~1% of approved amount (whichever higher between fixed or %)

• 3% unlimited cashback and additional S$50 reward on qualifying loans ≥ S$10,000 with ≥36‑month tenure

• Borrow up to 4× monthly income (or up to 10× if annual income ≥ S$120,000), subject to ≤95% of your Cashline/credit limit

• Tenure from 6 to 60 months (≤24 months if ≤ S$3,000 loan or foreigners)

• Instant approval & cash payout to DBS/POSB account for existing Cashline/credit card holders or salary deposit customers

⚡ SingSaver SG60 Flash Deal⚡

Apply using the promo code SINGSAVER and get approved for a DBS Personal Loan (minimum loan amount S$10,000, 36-month tenure) to unlock up to S$1,550 worth of cashback!

💰 S$10,000 and above 3% Unlimited Cashback 
+ S$50 Bonus Cashback

🎯 How to Qualify

• Offer valid until 31 Dec 2025
• Apply for a DBS Personal Loan with a minimum loan amount of S$10,000 using the promo code SINGSAVER
• Choose a tenure of at least 36 months
• Open to new and existing DBS personal loan customers.

Interest & repayment

• Advertised interest from 1.99% p.a. and EIR ~4.17% p.a. based on 5‑year term

• Example: S$10,000 over 36 months → total repayment ≈ S$10,360; monthly ≈ S$290–300 (EIR basis)

• Fixed monthly instalments with GIRO for added convenience

Fees & charges

• Processing fee: ~1% or fixed fee, whichever higher (minimum ~S$100)

• Late payment fee: S$100 for credit card‑linked or S$120 for Cashline‑loan defaults

• Early repayment / Cancellation fee: S$250 cancellation charge; foreclosure penalty applies if early settlement before 6 months (up to ~4.5% + GST)

Other notable features

• For DBS/POSB customers salary credited via DBS, speed and convenience is unmatched

• Borrow up to 95% of your Cashline/credit limit—useful if you already hold multiple credit products

• No collateral or guarantor needed; income requirement is S$20k minimum

Repayment summary

• Principal loan amount: S$10,000

• Loan tenure: 1 year

• Interest rate: 1.99% p.a.

• EIR: 5.47% p.a.

• Total interest payable: S$299

• Total amount payable: S$10,299

• Monthly instalment: S$849.92

Eligibility

• Citizenship status: Singaporeans, PRs, and foreigners with existing Cashline and/or credit card accounts

• Age requirement: 21-70 years old

• Minimum annual income: S$20,000

• Documents required:

• NRIC/FIN (front & back)

• Income proof (payslips/NOA) unless you apply with MyInfo or have an existing Cashline and/or credit card account

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

2. Log in to digibank mobile with Touch/Face ID or User ID & PIN.

3. Tap “More” → select “Personal Loan” under Cashline Personal Loan section.

4. Enter loan amount and tenure, select payout account (DBS/POSB savings account required).

5. Review personalised rate and fees, then tap “Apply Now” – approval is typically instant and funds disbursed immediately.

6. Receive your rewards via Singsaver within 4-12 weeks

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

• GXS Personal Loan

• HSBC Personal Loan

• Standard Chartered Personal Loan

• Trust Personal Loan

• UOB Personal Loan