UOB Personal Loan Singapore : Lowest Interest Rates & Exclusive Offers (2025)
Updated: 9 Aug 2025
Unlock UOB Personal Loan’s lowest interest rates and flexible tenure options in Singapore. Compare exclusive loan deals, calculate repayments easily, and apply online instantly.
Loan | Annual Interest Rate | Monthly Repayment | SingSaver Reward | Trending Reward | Total Cost of Loan | EIR | ||
|---|---|---|---|---|---|---|---|---|
 | 1.85 % | S$440 | S$430 | S$833 | 3.40 % p.a. |
⚡ SingSaver SG60 Flash Deal⚡
Apply and get approved for a UOB 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$1,960 Cash!
🎯 How to Qualify
- Offer valid from 1 Aug to 14 Aug 2025
- Apply for a UOB 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 UOB personal loan customers.
Fastest Fulfilment: Get your reward in 3 weeks!
Apply for a UOB 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.
Get S$20 Extra when you Submit Your Form in Time!
Get an extra S$20 Shopee voucher via WhatsApp when you submit your rewards form within 13 days of your bank application, on top of your selected reward! Valid for DBS, GXS, HSBC, POSB, SCB, Trust Bank, and UOB personal loans.
Why Trust SingSaver
Interest Rate
1.85 %Monthly Repayment
S$ 440EIR
3.40 % p.a.Total Interest Payable
S$ 833For a UOB Personal Loan of S$15,000 over 36 months, you’ll enjoy via Singsaver:
- Enjoy interest rates as low as 1.85% p.a (EIR from 3.40% 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
Eligibility
Minimum Age: 21 years old
Min. Annual Income: S$30,000
Required Documents
- 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
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.
UOB Personal Loan Details
Key Features
- Rates from 1.85% p.a. EIR ~3.40%
- 0% processing fee for all tenures
- Instant approval & cash (via UOB account, 8am–9pm)
- Tenure from 12 to 60 months
- Loan amount from S$1,000
- Minimum loan amount of S$8,000 with tenure of 36 months to qualify for SingSaver exclusive rewards
How to Apply
- Log in with SingPass MyInfo
- Select amount, tenure, and payout account
- Review your rate & repayment details
- Submit and receive funds (if approved)
Interest & Repayment
- Rates from 1.85% p.a. (EIR ~3.40%)
- Example: S$10,000 over 36 months → ~S$15,833
- Monthly from ~S$20 for small loans
Fees & Charges
- Processing Fee: Waived (0%)
- Late Payment:
- Credit Card-linked: S$100
- CashPlus-linked: S$120
- Early Repayment: S$150 or 3% of outstanding
- No partial repayment or annual fees
Pros & Cons
✅ Pros
- Low interest from 1.85% p.a.
- No processing or hidden fees
- Fast online approval & disbursement
- Flexible loan amount and tenure
❌ Cons
- Only for Singaporeans or PRs
- Max tenure limited to 60 months (5 years)
- Best rates require strong credit
Other Notable Features
- Use credit card limit or CashPlus facility
- Daily reducing balance; 1st instalment may be pro-rated
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