Standard Chartered CashOne Personal Loan Singapore : Lowest Rates & Fast Cash (2025)
Updated: 9 Aug 2025
Secure fast approval with CashOne Personal Loan in Singapore. Enjoy low interest rates from 1.60% p.a. (EIR ~3.07%), instant cash, flexible tenure and exclusive cashback rewards.
⚡ SingSaver SG60 Flash Deal⚡
Apply and get approved for a CashOne Personal Loan (minimum loan amount S$15,000, 36-month tenure) to unlock up to S$660 Bonus Cash on top of existing rewards, total rewards up to S$1,860 Cash!
🎯 How to Qualify
- Offer valid from 1 Aug to 14 Aug 2025
- Apply for a CashOne Personal Loan with a minimum loan amount of S$15,000
- Choose a tenure of at least 36 months
- Get cash rewards via PayNow based on your approved loan amount
- Open to new and existing Standard Chartered personal loan customers.
Get S$20 Extra when you Submit Your Form in Time!
Get an extra S$20 Shopee voucher via WhatsApp when you submit your rewards form within 13 days of your bank application, on top of your selected reward! Valid for DBS, GXS, HSBC, POSB, SCB, Trust Bank, and UOB personal loans.
Fastest Fulfilment: Get your reward in 3 weeks!
Apply for a UOB Personal Loan or a Standard Chartered CashOne Personal Loan and enjoy faster reward delivery. Once your loan is approved, your SingSaver reward will be sent within 3 weeks with no extra steps needed.
Why Trust SingSaver
Interest Rate
1.60 %Monthly Repayment
S$ 437EIR
3.07 % p.a.Total Interest Payable
S$ 720For a Standard Chartered CashOne Personal Loan of S$15,000 over 36 months, you’ll enjoy via Singsaver:
- Enjoy the lowest headline rate in the market, starting from 1.60% p.a. (EIR: 3.07% 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 4X monthly salary, capped at S$250,000
- 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
Eligibility
Minimum Age: 22 years old
Min. Annual Income: S$30,000
Required Documents
- 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)
For SingPass holders applying with MyInfo, please prepare the following:
Key Features
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.
💰 Standard Chartered CashOne Personal Loan Overview
Key Features
- Interest rates from 1.60% p.a. (EIR from ~3.07% p.a.)
- 0% processing fee - entire loan amount disbursed
- Instant approval & disbursement to any bank account (within ~15 minutes)
- Loan tenure from 1 to 5 years (12 – 60 months)
- Loan amount from S$1,000 up to 4× your monthly income (or 8× if annual income ≥ S$120,000)
- Special SG60 cashback: S$60 for every S$6,000 approved (for tenures ≥3 years)
How to Apply
- Apply online with SingPass MyInfo – no documents needed for Singaporeans/PRs
- Select your desired loan amount, tenure, and payout account
- Review your customised interest rate, EIR, and estimated monthly instalment
- Submit application: if approved, funds arrive in your bank account instantly or within minutes
Interest & Repayment
- Flat rates start from 1.60% p.a. (EIR from ~3.07%) for tenures of 3–5 years
- Example: Loan of S$10,000 over 36 months → total repayable ≈ S$10,160; monthly ≈ S$847
- Flexible minimum repayment: after 6 consecutive full instalments you can pay as low as S$50/month without late charge
Fees & Charges
- Processing Fee: Waived (0%)
- Annual Fee: S$199 charged in 1st year only (waived thereafter if payments on time)
- Late Payment Fee: ~S$50 plus daily interest at EIR 29.9% p.a. if instalments unpaid
- Early Repayment Fee: S$150 or 3% of outstanding principal (whichever higher)
Pros & Cons
✅ Pros
- Market‑lowest headline rate from 1.60% p.a. (EIR ~3.07%)
- No processing fee and zero hidden charges
- Fast online approval and near‑instant cash disbursement
- Wide borrowing range and flexible tenure
- Cashback or rewards for qualifying loan amounts
❌ Cons
- Annual fee of S$199 in year one (can affect EIR if not waived)
- No late‑fee waiver unless full instalments paid consecutively for 6 months
- Best promotional rates require strong credit profile and eligibility
- Not available to applicants below 21 or over 65 years old
Other Notable Features
- Borrow up to 8× monthly income if annual salary ≥ S$120,000
- Loan funds can be used for any purpose - no need to justify (e.g. renovation, education, travel)
- Flexible partial repayments after 6 months without penalties