facebookStandard Chartered CashOne Personal Loan Ratings Nov 2024

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.

SingSaver Exclusive Promotion: Everyone gets 1 year of interest repayment covered by SingSaver

  • SingSaver Exclusive Offer is valid until 10 November 2024.
  • Promotion is valid for new and existing CIMB / HSBC / Standard Chartered / Trust Bank / UOB 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 rewards varies depending on loan amount:
  • (S$8,000 – S$9,999): S$120 Cash or S$150 Grab Voucher or S$180 Lazada Voucher
  • (S$10,000 – S$14,999): S$160 Cash or S$200 Grab Voucher or S$220 Lazada Voucher
  • (S$15,000 – S$19,999): S$250 Cash or S$300 Grab Voucher or S$320 Lazada Voucher
  • (S$20,000 – S$29,999): S$350 Cash or S$400 Grab Voucher or S$420 Lazada Voucher
  • (S$30,000 – S$49,999): S$600 Cash or S$780 Grab Voucher or S$830 Lazada Voucher
  • (S$50,000 – S$79,999): S$750 Cash or S$820 Grab Voucher or S$840 Lazada Voucher
  • (S$80,000 and above): S$1,000 Cash or S$1,250 Grab Voucher or S$1,300 Lazada Voucher
  • 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 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
...see more

Popular Products

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.

SingSaver Exclusive Promotion: Everyone gets 1 year of interest repayment covered by SingSaver

  • SingSaver Exclusive Offer is valid until 10 November 2024.
  • Promotion is valid for new and existing CIMB / HSBC / Standard Chartered / Trust Bank / UOB 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 rewards varies depending on loan amount:
  • (S$8,000 – S$9,999): S$120 Cash or S$150 Grab Voucher or S$180 Lazada Voucher
  • (S$10,000 – S$14,999): S$160 Cash or S$200 Grab Voucher or S$220 Lazada Voucher
  • (S$15,000 – S$19,999): S$250 Cash or S$300 Grab Voucher or S$320 Lazada Voucher
  • (S$20,000 – S$29,999): S$350 Cash or S$400 Grab Voucher or S$420 Lazada Voucher
  • (S$30,000 – S$49,999): S$600 Cash or S$780 Grab Voucher or S$830 Lazada Voucher
  • (S$50,000 – S$79,999): S$750 Cash or S$820 Grab Voucher or S$840 Lazada Voucher
  • (S$80,000 and above): S$1,000 Cash or S$1,250 Grab Voucher or S$1,300 Lazada Voucher
  • 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 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
...see more

Plans (5)

Slide 1 of 5

5 Year Tenure for Loan Amount of S$15,000

From 5.43%

EFFECTIVE INTEREST RATE

2.88%

FLAT INTEREST RATE

$0

PROCESSING FEE

4 Year Tenure for Loan Amount of S$15,000

From 5.45%

EFFECTIVE INTEREST RATE

2.88%

FLAT INTEREST RATE

$0

PROCESSING FEE

3 Year Tenure for Loan Amount of S$15,000

From 5.46%

EFFECTIVE INTEREST RATE

2.88%

FLAT INTEREST RATE

$0

PROCESSING FEE

2 Year Tenure for Loan Amount of S$15,000

From 5.44%

EFFECTIVE INTEREST RATE

2.88%

FLAT INTEREST RATE

$0

PROCESSING FEE

1 Year Tenure for Loan Amount of S$15,000

From 5.27%

EFFECTIVE INTEREST RATE

2.88%

FLAT INTEREST RATE

$0

PROCESSING FEE

5 Year Tenure for Loan Amount of S$15,000

From 5.43%

EFFECTIVE INTEREST RATE

2.88%

FLAT INTEREST RATE

$0

PROCESSING FEE

📣 SIGN-UP BONUS

Get cashback of up to S$7,600 when you apply for select personal loans! Plus, get 3x chances to win S$50,000 cash!

Valid till 02 Dec 2024. T&Cs apply.

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      Interest Rates for Standard Chartered CashOne Personal Loan

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