facebookStandard Chartered CashOne Personal Loan Ratings Jul 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: Get your loan interest covered for 2 years (up to S$1,200 eCapitaVoucher)

  • Promotion is valid for new HSBC / Standard Chartered / CIMB / UOB personal loan customers
  • Apply and get approved for a personal loan via SingSaver, then submit your participation through our Rewards Redemption Form to be eligible

Share why you're taking a loan this summer and how it can help you achieve your dreams!

20x winners will get their loan interest covered for 2 years (worth up to S$1,200 eCapitaVoucher)

  • SingSaver #ScoreBigSummer PL Campaign reward is stackable with existing SingSaver Exclusive promotions
  • SingSaver #ScoreBigSummer PL Campaign runs from 24 June 2024, 9:00 AM SGT to 22 July 2024
  • Terms and Conditions apply

SingSaver Exclusive Promotion: Receive up to S$5,411 worth of rewards for new-to-bank customers or up to S$4,520 for existing customers

  • 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$50 eCapitaVoucher.

(S$10,000 – S$14,999): New-to-bank customers will receive S$100 eCapitaVoucher. Existing customers will receive S$50 eCapitaVoucher.

(S$15,000 – S$19,999): New-to-bank customers will receive 1x Nintendo Switch Gen 2 (worth S$399) or S$240 eCapitaVoucher. Existing customers will receive S$100 eCapitaVoucher.

(S$20,000 – S$29,999): New-to-bank customers will receive 1x Dyson V8 Slim Fluffy (worth S$509) or S$300 eCapitaVoucher. Existing customers will receive S$200 eCapitaVoucher.

(S$30,000 – S$49,999): New-to-bank customers will receive 1x Apple iPad 10th Gen WiFi 64GB (worth S$691.60) or S$540 eCapitaVoucher. Existing customers will receive S$320 eCapitaVoucher.

(S$50,000 – S$79,999): New-to-bank customers will receive 1x Dyson Purifier Cool™ TP07 (worth S$909) or S$740 eCapitaVoucher. Existing customers will receive S$420 eCapitaVoucher.

(S$80,000 and above): New-to-bank customers will receive 1x Apple iPhone 15 128GB (worth S$1,311) or S$1,040 eCapitaVoucher. Existing customers will receive S$520 eCapitaVoucher.

  • Promotion is stackable with SCB CashOne Personal Loan Welcome Offer
  • Promotion is valid until 11 July 2024
  • 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
...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: Get your loan interest covered for 2 years (up to S$1,200 eCapitaVoucher)

  • Promotion is valid for new HSBC / Standard Chartered / CIMB / UOB personal loan customers
  • Apply and get approved for a personal loan via SingSaver, then submit your participation through our Rewards Redemption Form to be eligible

Share why you're taking a loan this summer and how it can help you achieve your dreams!

20x winners will get their loan interest covered for 2 years (worth up to S$1,200 eCapitaVoucher)

  • SingSaver #ScoreBigSummer PL Campaign reward is stackable with existing SingSaver Exclusive promotions
  • SingSaver #ScoreBigSummer PL Campaign runs from 24 June 2024, 9:00 AM SGT to 22 July 2024
  • Terms and Conditions apply

SingSaver Exclusive Promotion: Receive up to S$5,411 worth of rewards for new-to-bank customers or up to S$4,520 for existing customers

  • 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$50 eCapitaVoucher.

(S$10,000 – S$14,999): New-to-bank customers will receive S$100 eCapitaVoucher. Existing customers will receive S$50 eCapitaVoucher.

(S$15,000 – S$19,999): New-to-bank customers will receive 1x Nintendo Switch Gen 2 (worth S$399) or S$240 eCapitaVoucher. Existing customers will receive S$100 eCapitaVoucher.

(S$20,000 – S$29,999): New-to-bank customers will receive 1x Dyson V8 Slim Fluffy (worth S$509) or S$300 eCapitaVoucher. Existing customers will receive S$200 eCapitaVoucher.

(S$30,000 – S$49,999): New-to-bank customers will receive 1x Apple iPad 10th Gen WiFi 64GB (worth S$691.60) or S$540 eCapitaVoucher. Existing customers will receive S$320 eCapitaVoucher.

(S$50,000 – S$79,999): New-to-bank customers will receive 1x Dyson Purifier Cool™ TP07 (worth S$909) or S$740 eCapitaVoucher. Existing customers will receive S$420 eCapitaVoucher.

(S$80,000 and above): New-to-bank customers will receive 1x Apple iPhone 15 128GB (worth S$1,311) or S$1,040 eCapitaVoucher. Existing customers will receive S$520 eCapitaVoucher.

  • Promotion is stackable with SCB CashOne Personal Loan Welcome Offer
  • Promotion is valid until 11 July 2024
  • 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
...see more

Plans (5)

Slide 1 of 5

Standard Chartered CashOne Personal Loan (Year 1 Tenure)

From 5.42%

EFFECTIVE INTEREST RATE

2.88%

FLAT INTEREST RATE

$0

PROCESSING FEE

Standard Chartered CashOne Personal Loan (Year 2 Tenure)

From 5.51%

EFFECTIVE INTEREST RATE

2.88%

FLAT INTEREST RATE

$0

PROCESSING FEE

Standard Chartered CashOne Personal Loan (Year 3 Tenure)

From 5.51%

EFFECTIVE INTEREST RATE

2.88%

FLAT INTEREST RATE

$0

PROCESSING FEE

Standard Chartered CashOne Personal Loan (Year 4 Tenure)

From 5.49%

EFFECTIVE INTEREST RATE

2.88%

FLAT INTEREST RATE

$0

PROCESSING FEE

Standard Chartered CashOne Personal Loan (Year 5 Tenure)

From 5.46%

EFFECTIVE INTEREST RATE

2.88%

FLAT INTEREST RATE

$0

PROCESSING FEE

Standard Chartered CashOne Personal Loan (Year 1 Tenure)

From 5.42%

EFFECTIVE INTEREST RATE

2.88%

FLAT INTEREST RATE

$0

PROCESSING FEE

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      Interest Rates for Standard Chartered CashOne Personal Loan

      • Enjoy interest rates from as low as 2.88% p.a. (EIR: 5.84% p.a.) for longer tenures
      • 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 2.88% p.a (EIR at 5.84% 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$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.