Standard Chartered CashOne Personal Loan
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Summary
Standard Chartered CashOne Personal Loan
SC CashOne is a personal bank loan scheme by Standard Chartered Singapore. It has one of the most competitive interest rates in Singapore for personal loans, while maintaining a relatively low minimum income requirement. Standard Chartered's CashOne personal loan also services a wide range loan amounts from S$1,000 to S$250,000.
SingSaver Free Interest Flash Deal: Enjoy up to S$400 of your loan's first-year interest covered by SingSaver
- Promotion is valid for new and existing Standard Chartered personal loan customers
- Be the first 2 applicants at 12pm every day during the flash deal period to be approved for a loan with a min. value of S$15,000 and tenure of 3, 4, or 5 years to be eligible for reward
- Flash Deal reward will be received on top of existing promotional reward
- Remaining approved applicants will receive rewards from SingSaver Tiered Rewards Promotion
- Flash Deal promotion runs from 18 April 2024, 09:00 AM SGT to 1 May 2024
- Terms and Conditions apply
SingSaver Exclusive Promotion: Get a Nintendo Switch Gen 2 (worth S$399) / Ergotune Joobie (worth S$599) / Apple iPad 10th Gen 10.9" WiFi 64GB (worth S$691.60) / AirWheel SE3T Luggage (worth S$1,167) / Apple iPhone 15 128GB (worth S$1,311) or up to S$1,040 cash
- Promotion is valid for new and existing SCB customers
- Apply and get approved for a loan with a min. value of S$8,000 and tenure of 3, 4, or 5 years to be eligible for rewards
- Choice of rewards varies depending on loan amount and whether applicant is a new or existing SCB customer:
(S$8,000 – S$9,999): New customers will receive S$50 Cash via PayNow
(S$10,000 – S$14,999): New customers will receive S$100 Cash via PayNow. Existing customers will receive S$50 Cash via PayNow.
(S$15,000 – S$19,999): New customers will receive 1x Nintendo Switch Gen 2 (worth S$399) or S$240 Cash via PayNow. Existing customers will receive S$100 Cash via PayNow.
(S$20,000 – S$29,999): New customers will receive 1x Ergotune Joobie (worth S$599) or S$300 Cash via PayNow. Existing customers will receive S$200 Cash via PayNow.
(S$30,000 - S$49,999): New customers will receive 1x Apple iPad 10th Gen 10.9" WiFi 64GB (worth S$691.60) or S$540 Cash via PayNow. Existing customers will receive S$320 Cash via PayNow.
(S$50,000 – S$79,999): New customers will receive 1x AirWheel SE3T Luggage (worth S$1,167) or S$740 Cash via PayNow. Existing customers will receive S$420 Cash via PayNow.
(S$80,000 and above): New customers will receive 1x Apple iPhone 15 128GB (worth S$1,311) or S$1040 Cash via PayNow. Existing customers will receive S$520 Cash via PayNow.
- Eligible applicants will only receive 1 reward from the above selection
- Promotion is valid until 1 May 2024
- Terms and Conditions apply
Standard Chartered CashOne Personal Loan Promotion: Enjoy up to S$4,100 cashback
- Promotion is valid for new and existing Standard Chartered customers
- Get approved for a loan with a min. value of S$12,000 and tenure of 3, 4, or 5 years
- Cashback received is based on 3x the interest on the first installment
New Standard Chartered customers will receive an additional cashback of S$100
- Promotion is valid until 30 April 2024
- Terms and Conditions apply
Product Page Transparency
- Pays to access additional features
Loan Features & Details
1) Key Features
- Enjoy interest rates from as low as 2.88% p.a. (EIR: 5.84% 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 date
2) Eligibility
- Citizenship: Singaporean, PRs, and Foreigners
- Age: 21 – 65 years old
- Minimum income requirement: S$20,000 (Singaporean & PRs); S$60,000 (Foreigners with a valid Singapore Employment Pass)
3) Fees
- Annual fee: S$199
- Change of tenure: S$50
- Default Interest: EIR +4%p.a.
- Early repayment fee: S$150 or 3% of the outstanding principal, whichever is higher
- Late payment fee: S$100
4) Application Process
How to apply?
- Head to Standard Chartered’s website to apply for the loan online
- As you will be required to submit income information, have your Singpass ready to access CPF login page
- Complete and submit loan application
Fulfilment:
- SingSaver promotion gift will be fulfilled by SingSaver
- SCB promotion gift will be fulfilled by SCB
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Summary
Standard Chartered CashOne Personal Loan
SC CashOne is a personal bank loan scheme by Standard Chartered Singapore. It has one of the most competitive interest rates in Singapore for personal loans, while maintaining a relatively low minimum income requirement. Standard Chartered's CashOne personal loan also services a wide range loan amounts from S$1,000 to S$250,000.
SingSaver Free Interest Flash Deal: Enjoy up to S$400 of your loan's first-year interest covered by SingSaver
- Promotion is valid for new and existing Standard Chartered personal loan customers
- Be the first 2 applicants at 12pm every day during the flash deal period to be approved for a loan with a min. value of S$15,000 and tenure of 3, 4, or 5 years to be eligible for reward
- Flash Deal reward will be received on top of existing promotional reward
- Remaining approved applicants will receive rewards from SingSaver Tiered Rewards Promotion
- Flash Deal promotion runs from 18 April 2024, 09:00 AM SGT to 1 May 2024
- Terms and Conditions apply
SingSaver Exclusive Promotion: Get a Nintendo Switch Gen 2 (worth S$399) / Ergotune Joobie (worth S$599) / Apple iPad 10th Gen 10.9" WiFi 64GB (worth S$691.60) / AirWheel SE3T Luggage (worth S$1,167) / Apple iPhone 15 128GB (worth S$1,311) or up to S$1,040 cash
- Promotion is valid for new and existing SCB customers
- Apply and get approved for a loan with a min. value of S$8,000 and tenure of 3, 4, or 5 years to be eligible for rewards
- Choice of rewards varies depending on loan amount and whether applicant is a new or existing SCB customer:
(S$8,000 – S$9,999): New customers will receive S$50 Cash via PayNow
(S$10,000 – S$14,999): New customers will receive S$100 Cash via PayNow. Existing customers will receive S$50 Cash via PayNow.
(S$15,000 – S$19,999): New customers will receive 1x Nintendo Switch Gen 2 (worth S$399) or S$240 Cash via PayNow. Existing customers will receive S$100 Cash via PayNow.
(S$20,000 – S$29,999): New customers will receive 1x Ergotune Joobie (worth S$599) or S$300 Cash via PayNow. Existing customers will receive S$200 Cash via PayNow.
(S$30,000 - S$49,999): New customers will receive 1x Apple iPad 10th Gen 10.9" WiFi 64GB (worth S$691.60) or S$540 Cash via PayNow. Existing customers will receive S$320 Cash via PayNow.
(S$50,000 – S$79,999): New customers will receive 1x AirWheel SE3T Luggage (worth S$1,167) or S$740 Cash via PayNow. Existing customers will receive S$420 Cash via PayNow.
(S$80,000 and above): New customers will receive 1x Apple iPhone 15 128GB (worth S$1,311) or S$1040 Cash via PayNow. Existing customers will receive S$520 Cash via PayNow.
- Eligible applicants will only receive 1 reward from the above selection
- Promotion is valid until 1 May 2024
- Terms and Conditions apply
Standard Chartered CashOne Personal Loan Promotion: Enjoy up to S$4,100 cashback
- Promotion is valid for new and existing Standard Chartered customers
- Get approved for a loan with a min. value of S$12,000 and tenure of 3, 4, or 5 years
- Cashback received is based on 3x the interest on the first installment
New Standard Chartered customers will receive an additional cashback of S$100
- Promotion is valid until 30 April 2024
- Terms and Conditions apply
Product Page Transparency
- Pays to access additional features
Loan Features & Details
1) Key Features
- Enjoy interest rates from as low as 2.88% p.a. (EIR: 5.84% 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 date
2) Eligibility
- Citizenship: Singaporean, PRs, and Foreigners
- Age: 21 – 65 years old
- Minimum income requirement: S$20,000 (Singaporean & PRs); S$60,000 (Foreigners with a valid Singapore Employment Pass)
3) Fees
- Annual fee: S$199
- Change of tenure: S$50
- Default Interest: EIR +4%p.a.
- Early repayment fee: S$150 or 3% of the outstanding principal, whichever is higher
- Late payment fee: S$100
4) Application Process
How to apply?
- Head to Standard Chartered’s website to apply for the loan online
- As you will be required to submit income information, have your Singpass ready to access CPF login page
- Complete and submit loan application
Fulfilment:
- SingSaver promotion gift will be fulfilled by SingSaver
- SCB promotion gift will be fulfilled by SCB
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📣 SIGN-UP BONUS
Be the first 2 applicants at 12pm daily to enjoy FREE interest for up to a year (up to S$400) on your personal loan! Also, score up to S$5,411 worth of rewards for new-to-bank customers or up to S$4,620 cash for existing customers.
Valid till 01 May 2024. T&Cs apply.
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Interest Rates for Standard Chartered CashOne Personal Loan
- Enjoy interest rates from as low as 2.88% p.a. (EIR: 5.84% p.a.) for longer tenures
- Interest rates will defer depending on applicants' credit profiles
Features: Pros and cons of Standard Chartered CashOne Personal Loan
- Fast cash loan to your bank account of choice within 15 mins
- 50% off your first month’s instalment amount in the form of a cashback - for applicants with a minimum loan amount of S$15,000, over the course of 4 or 5 years.
- One of the lowest interest rates for personal loans in Singapore, starting from 2.88% p.a (EIR at 5.84% p.a.) for higher income applicants
- Low minimum loan amount of S$1,000
- Relatively lower minimum income requirement of S$20,000
- Fast cash loan option, credited straight to your bank account within 15 minutes
- Borrow 2 - 4 x your monthly income
- Generous waivers of processing and annual fees for selected applicants
- S$20 cashback when you apply via MyInfo
- While SC CashOne advertises its interest rates at an impossibly low 3.88% p.a., Standard Chartered's interest rates are heavily personalised, based on applicants' income and credit profiles.
Eligibility: who can apply for Standard Chartered CashOne personal loan?
- Age Requirement: above 21 years of age
- Annual income of at least S$20,000 for Singaporeans and PR
- Annual income of at least S$60,000 for foreigners, with a Singapore Employment Pass
- Citizenship status: Singaporean/PR/Foreigners with Employment Pass
Other Fees: what else to look out for?
- First-year Annual Fee: S$199 (possible waiver in the first year)
- Late Fee: S$100
- Default Interest: EIR +4%p.a.
- Early redemption fee: $150 (or 3% of the outstanding principal, whichever is higher)
Contact Standard Chartered Singapore
Tel: +65 6747 7000
Contact us at [email protected] should you require any assistance or spot any inaccuracies.