CIMB Personal Loan

CIMB Personal Loan lets you choose a loan tenure that ranges between one and five years. This flexibility is great regardless of whether you take out a smaller or larger loan.

For those who are looking to get quick cash on hand through a personal loan, the CIMB Personal Loan provides instant loan disbursement. This is subject to the approval of your CIMB Personal Instalment Loan application. Your approved loan amount will be credited into a Singapore dollar-denominated bank account you hold that is specified in your application. 

When applying for a personal loan, one of the charges that you could incur is the processing fee, which tends to be about 1% of your approved loan amount. For example, if you take a S$20,000 loan, you would need to pay S$200 in processing fees. However, with the CIMB Personal Loan, there is no processing fee charged. 

SingSaver Exclusive Offer ( 05 Oct to 01 Nov 2026)

Apply and get approved for a CIMB Personal Loan with a min. amount of S$8,000 and min. tenure of 12 months to be eligible for rewards.

• S$8,000 – S$9,999: S$100 Bonus Cash via PayNow or S$105 Grab Vouchers
• S$10,000 – S$14,999: S$200 Bonus Cash via PayNow or S$210 Grab Vouchers
• S$15,000 – S$19,999: S$300 Bonus Cash via PayNow or S$320 Grab Vouchers
• S$20,000 – S$29,999: S$550 Bonus Cash via PayNow or S$600 Grab Vouchers
• S$30,000 – S$49,999: S$700 Bonus Cash via PayNow or S$750 Grab Vouchers
• S$50,000 – S$79,999: S$1,000 Bonus Cash via PayNow or S$1,080 Grab Vouchers
• S$80,000 – S$119,999: S$1,500 Bonus Cash via PayNow or S$1,600 Grab Vouchers
• S$120,000 and above: S$2,000 Bonus Cash via PayNow or S$2,100 Grab Vouchers

Terms and Conditions apply.

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CIMB Personal Loan Features & Benefits

1) Key Features

• CIMB Personal Loan
  - Get up to 8x* monthly income 
  - Receive cash instantly upon approval
  - Enjoy attractive interest rates from as low as 1.00% p.a. and zero* processing fees (EIR from 1.94% p.a.) for 1-5 years
  - No processing fee for loan amount of S$5,000 and above

2) Eligibility

• Citizenship: Singaporeans and PRs
• Age: 21 - 70 years old
• Annual income for Singaporeans and PRs: Minimum S$20,000 (at least S$120,000 for a loan amount of up to 8x monthly income)
• Annual income for Malaysians (non-PR): Minimum S$30,000

Malaysian customers would also be required to submit the following documents in the application:

• Malaysian NRIC
• Passport (minimum 6 months validity)
• Latest 3 months pay slip
• Foreign Exchange Notice Declaration Form

3) Fees

• Late Repayment Fee: S$100
• Processing Fee: 1% for Loan amount less than S$5,000. Waived for loan amount S$5,000 and above.
• Early Repayment Fee: 3% of the outstanding loan amount or S$250, whichever is higher

4) Application Process

How to apply?

• Fuss-free application
  1. Click "Apply Now" on CIMB Personal Loan Listing
  2. Complete the application via Singpass Myinfo 

Supporting documents

• Copy of NRIC (front and back)
• Past 12 month’s CPF statement or latest Income Tax Notice of Assessment
• Latest computerized payslip

Terms and Conditions apply.