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.
SCB CashOne Personal Loan Flash Deal Campaign (Till June 2026):
- Get up to S$1,800 in Cashback when you apply for Standard Chartered CashOne Personal Loan - up to S$500 in bonus cash
- NEW Interest Rate as of 1 Apr 2026, Starting from 1.0% p.a. (EIR from 1.94%)
SSE Rewards:
- (S$8,000 – S$9,999): S$120 Cash via PayNow
- (S$10,000 – S$14,999): S$180 Cash via PayNow + S$50 Bonus Cash
- (S$15,000 – S$19,999): S$310 Cash via PayNow + S$100 Bonus Cash
- (S$20,000 – S$29,999): S$410 Cash via PayNow + S$200 Bonus Cash
- (S$30,000 – S$49,999): S$610 Cash via PayNow + S$300 Bonus Cash
- (S$50,000 and above): S$1,200 Cash via PayNow + S$600 Bonus Cash NEW
Available to both NTB & ETB
Click Here for more!
Bank Stackable Promo:
- 1% cashback offer for approved loan amount S$18,000 and above. Min. loan tenure of 3, 4 or 5 years.
Product Page Transparency
- Pays to access additional features
Loan Features & Details
1) Key Features
- Enjoy interest rates from as low as 1.00% p.a. (EIR from 1.94% 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 1.28% 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 +3.44%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.
SCB CashOne Personal Loan Flash Deal Campaign (Till June 2026):
- Get up to S$1,800 in Cashback when you apply for Standard Chartered CashOne Personal Loan - up to S$500 in bonus cash
- NEW Interest Rate as of 1 Apr 2026, Starting from 1.0% p.a. (EIR from 1.94%)
SSE Rewards:
- (S$8,000 – S$9,999): S$120 Cash via PayNow
- (S$10,000 – S$14,999): S$180 Cash via PayNow + S$50 Bonus Cash
- (S$15,000 – S$19,999): S$310 Cash via PayNow + S$100 Bonus Cash
- (S$20,000 – S$29,999): S$410 Cash via PayNow + S$200 Bonus Cash
- (S$30,000 – S$49,999): S$610 Cash via PayNow + S$300 Bonus Cash
- (S$50,000 and above): S$1,200 Cash via PayNow + S$600 Bonus Cash NEW
Available to both NTB & ETB
Click Here for more!
Bank Stackable Promo:
- 1% cashback offer for approved loan amount S$18,000 and above. Min. loan tenure of 3, 4 or 5 years.
Product Page Transparency
- Pays to access additional features
Loan Features & Details
1) Key Features
- Enjoy interest rates from as low as 1.00% p.a. (EIR from 1.94% 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 1.28% 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 +3.44%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
📣 SIGN-UP BONUS
Get up to S$1,800 in Cashback when you apply for Standard Chartered CashOne Personal Loan - up to S$500 in bonus cash
Valid till 01 Jun 2026. T&Cs apply.
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Interest Rates for Standard Chartered CashOne Personal Loan
- Enjoy interest rates from as low as 1.00% p.a. (EIR from 1.94% p.a.) for longer tenures
- Interest rates will defer depending on applicants' credit profiles
- 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. T&Cs apply.
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 1.00% p.a. (EIR from 1.94% 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.
- 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.
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.
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