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 March Madness: Get 1x March Madness Spin to Win Chance
- SingSaver March Madness Spin to Win promotion runs from 3 March 2025, 5:00 PM SGT to 31 March 2025.
- Promotion is valid for new and existing CIMB / HSBC / Standard Chartered / Trust Bank / UOB personal loan customers.
- Apply and get approved for participating personal loan products with a min. loan amount of S$8,000 and min. tenure of 3 years to be eligible for 1x chance to Spin the Wheel and win 50% of your Monthly Salary.
- Terms and Conditions apply.
- SingSaver General Promotion Terms and Conditions apply.
SingSaver Exclusive Promotion: Get up to S$1,299 in cashback & rewards
- Promotion is valid until 31 March 2025.
- Promotion is valid for new and existing Standard Chartered personal loan customers.
- Apply and get approved for a Standard Chartered CashOne Personal Loan with a min. amount of S$8,000 and min. tenure of 3 years to be eligible for rewards.
- Choice of reward varies depending on approved loan amount:
- (S$8,000 – S$9,999): S$120 Cash via PayNow
- (S$10,000 – S$14,999): S$180 Cash via PayNow
- (S$15,000 – S$19,999): S$310 Cash via PayNow or Dyson AM07 (worth S$449)
- (S$20,000 – S$29,999): S$410 Cash via PayNow or Apple Watch Series 10 GPS 42mm (worth S$599)
- (S$30,000 – S$49,999): S$610 Cash via PayNow or Apple iPad 10th Gen WiFi 256GB (worth S$729)
- (S$50,000 and above): S$1,200 Cash via PayNow or Apple iPhone 16 128GB (worth S$1,299)
- 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 1.90% p.a. (EIR from 3.63% 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
- Effective Interest Rate (EIR) calculation is not yet inclusive of the cashback that may be received (up to 2.5% cashback) and the first-year annual fee of S$199. Refer to T&Cs for more information.
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