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.
Exclusive Rewards
Standard Chartered CashOne Personal Loan Promotion: Get up to S$3,100 cashback
Promotion Criteria:
- Promotion is valid for new and existing Standard Chartered customers
- Get approved for a loan with a min. value of S$10,000 and tenure of 3, 4, or 5 years
- Cashback received is based on loan interest rate
- New Standard Chartered customers will receive an additional cashback of S$100
- Promotion is valid until 30 September 2023
- Terms and Conditions. Click here
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Loan Features & Details
1) Key Features
- Interest rate from 3.48% p.a
- Maximum loan amount of S$250,000
- Loan tenure of up to 5 years
- Instant approval and quick cash disbursement within 15 minutes to any of your existing bank account of your choice
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
- Late payment fee: S$100
- Default interest: EIR +4% p.a
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
Supporting documents
- No documents required for existing Standard Chartered Credit Card holders for Singaporeans, PRs, and Foreigners, unless there is a change in your annual income
- New Singaporeans and PRs customers
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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.
Exclusive Rewards
Standard Chartered CashOne Personal Loan Promotion: Get up to S$3,100 cashback
Promotion Criteria:
- Promotion is valid for new and existing Standard Chartered customers
- Get approved for a loan with a min. value of S$10,000 and tenure of 3, 4, or 5 years
- Cashback received is based on loan interest rate
- New Standard Chartered customers will receive an additional cashback of S$100
- Promotion is valid until 30 September 2023
- Terms and Conditions. Click here
Product Page Transparency - Pays to access additional features
Loan Features & Details
1) Key Features
- Interest rate from 3.48% p.a
- Maximum loan amount of S$250,000
- Loan tenure of up to 5 years
- Instant approval and quick cash disbursement within 15 minutes to any of your existing bank account of your choice
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
- Late payment fee: S$100
- Default interest: EIR +4% p.a
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
Supporting documents
- No documents required for existing Standard Chartered Credit Card holders for Singaporeans, PRs, and Foreigners, unless there is a change in your annual income
- New Singaporeans and PRs customers
undefinedundefinedundefinedundefined - New Foreigner customers
undefinedundefinedundefined
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Interest Rates for Standard Chartered CashOne Personal Loan
- Interest rates from 3.88% p.a., Effective Interest Rate (EIR) 7.67% p.a.
- 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 3.48% p.a (EIR at 6.95% 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$80
- 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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