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 Exclusive Promotion: Receive up to S$5,764.25 worth of cash and rewards for new-to-bank customers, or up to S$4,620 cash for existing customers.

• Promotion is valid until 8 September 2024.
• Promotion is valid for new and existing Standard Chartered Personal Loan 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 reward
• Reward varies depending on loan amount and whether applicant is a new or existing SCB customer:

(S$8,000 – S$9,999): New-to-bank customers will receive S$100 Cash.

(S$10,000 – S$14,999): New-to-bank customers will receive S$200 Cash. Existing customers will receive S$50 Cash.

(S$15,000 – S$19,999): New-to-bank customers will receive 1x Xiaomi TV A Pro 43 (worth S$479) or S$300 Cash. Existing customers will receive S$100 Cash.

(S$20,000 – S$29,999): New-to-bank customers will receive 1x Dyson V8 Slim Fluffy (worth S$509) or S$400 Cash. Existing customers will receive S$200 Cash.

(S$30,000 – S$49,999): New-to-bank customers will receive 1x Apple iPad Air 11” WiFi 128GB (worth S$899) or S$600 Cash. Existing customers will receive S$320 Cash.

(S$50,000 – S$79,999): New-to-bank customers will receive 1x Dyson V12 Detect Slim Fluffy (worth S$969) or S$800 Cash. Existing customers will receive S$420 Cash.

(S$80,000 and above): New-to-bank customers will receive 1x Apple iPhone 15 Pro 128GB (worth S$1,664.25) or S$1,220 Cash. Existing customers will receive S$520 Cash.

• Promotion is stackable with SCB CashOne Personal Loan Welcome Offer
• 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 September 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