Standard Chartered CashOne Personal Loan

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 Cash Quest Giveaway: Get 3x chances to win S$50,000 cash

• SingSaver Cash Quest Giveaway promotion runs from 6 November 2024, 05:00 PM SGT to 22 December 2024.
• Promotion is valid for new and existing CIMB / HSBC / Standard Chartered / UOB personal loan customers.
• Apply for a loan from participating providers and complete the Rewards Redemption Form to receive 3 Cash Quest Chances.
• Apply for select product bundles to receive an additional 10 Cash Quest Chances on top of existing chances received (capped at 5 bundles).
• Download the SingSaver App and complete a verified login using the same SingSaver account used to apply for an Eligible Product to receive an additional 20 Cash Quest Chances on top of existing chances received.
• Campaign page here for full details.
• Cash Quest Giveaway Promotion Terms and Conditions apply.
• SingSaver General Promotion Terms and Conditions apply.

SingSaver Exclusive Offer: Get up to S$7,849 in cashback & rewards, the highest in the market

• SingSaver Exclusive Offer is valid until 2 December 2024.
• Promotion is valid for new and existing Standard Chartered personal loan customers.
• Apply and get approved for a loan from participating providers with a min. value of S$8,000 and min. tenure of 3 years to be eligible for reward.
• Choice of reward varies depending on approved loan amount:
• (S$8,000 – S$14,999): S$150 Cash
• (S$15,000 – S$29,999): S$400 or Apple iPad 10th Gen WiFi 64GB (worth S$499) + up to S$299.99 Cashback from Standard Chartered
• (S$30,000 – S$49,999): S$600 Cash or Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859) + up to S$999.98 Cashback from Standard Chartered
• (S$50,000 and above): S$1,350 Cash or Apple MacBook Air M3 256GB (worth S$1,599) + up to S$6,250 Cashback from Standard Chartered
• Promotion is stackable with Welcome Offer from Standard Chartered (additional T&Cs apply).
• Terms and Conditions apply.

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• Pays to access additional features

Loan Features & Details

1) Key Features

• Enjoy interest rates from as low as 2.88% p.a. (EIR from 5.43% 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