UOB Personal Loan
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Summary
UOB Personal Loan
UOB Balance Transfer is a type of personal loan offered by UOB Singapore. Balance Transfer allows for the outstanding amount in one account to be transferred to another account with a lower interest rate.
SingSaver Exclusive: Get an Apple iPhone 15 128 GB (worth S$1,311) or an Apple iPad 10th Gen 10.9 wifi 256 GB (worth S$925.90) or a Dyson SuperSonic (worth S$699) or a Nintendo Switch OLED (worth S$549) or a Sony WF-1000XM5 Wireless Noise Canceling Headphones (worth S$429) or a S$1200 Cash
- Apply and get approved for a loan with a min. value of S$8,000 and tenure of 1 to 5 years to be eligible for rewards
*Loan amount of S$8,000 - S$9,999: All qualifying customers get S$100 Cash via PayNow upon loan approval
*Loan amount of S$10,000 - S$14,999: All qualifying customers get a S$180 Cash via PayNow upon loan approval
*Loan amount of S$15,000 - S$19,999: All qualifying customers get an Sony WF-1000XM5 Wireless Noise Canceling Headphones (worth S$429) or S$300 Cash
*Loan amount of S$20,000 - S$29,999: All qualifying customers get an Nintendo Switch OLED (worth S$549) or S$400 Cash
*Loan amount of S$30,000 - S$49,999: All qualifying customers get an Dyson SuperSonic (worth S$699) or $600 Cash
*Loan amount of S$50,000 - S$79,999: All qualifying customers get an Apple iPad 10th Gen 10.9 wifi 256 GB (worth S$925.90) or $780 Cash
*Loan amount of $80,000 and above: All qualifying customers get an Apple iPhone 15 128 GB (worth S$1,311) or $1,200 Cash
- Applicable to New Customers only
- Promo is NOT stackable over UOB PL Loan
- Promotion is valid until 8 May 2024
- Terms and Conditions apply
Product Page Transparency
- Pays to access additional features
Loan Features & Details
1) Key Features
- Interest rate of 3.4% p.a (EIR 6.36% p.a)
- Instant cash approval and disbursement for online applications submitted between 8an and 9pm
- Minimum loan amount of S$1,000
- Loan tenure of 1 to 5 years
- Processing fee waived (for tenure of 2 to 5 years only)
2) Eligibility
- Existing UOB Credit Card/CashPlus customer
- Age: 21 to 65 years old
- Citizenship: Singaporeans and PRs
- Minimum annual income requirement: S$30,000
3) Fees
- Late repayment fee: S$100
- Early repayment fee: 3.0% of outstanding approved loan amount or S$150, whichever is higher
4) Application Process
How to apply?
- Head over to UOB’s website to apply for the loan online
Supporting documents
- NRIC (back and front)
- Salaried employees:
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Summary
UOB Personal Loan
UOB Balance Transfer is a type of personal loan offered by UOB Singapore. Balance Transfer allows for the outstanding amount in one account to be transferred to another account with a lower interest rate.
SingSaver Exclusive: Get an Apple iPhone 15 128 GB (worth S$1,311) or an Apple iPad 10th Gen 10.9 wifi 256 GB (worth S$925.90) or a Dyson SuperSonic (worth S$699) or a Nintendo Switch OLED (worth S$549) or a Sony WF-1000XM5 Wireless Noise Canceling Headphones (worth S$429) or a S$1200 Cash
- Apply and get approved for a loan with a min. value of S$8,000 and tenure of 1 to 5 years to be eligible for rewards
*Loan amount of S$8,000 - S$9,999: All qualifying customers get S$100 Cash via PayNow upon loan approval
*Loan amount of S$10,000 - S$14,999: All qualifying customers get a S$180 Cash via PayNow upon loan approval
*Loan amount of S$15,000 - S$19,999: All qualifying customers get an Sony WF-1000XM5 Wireless Noise Canceling Headphones (worth S$429) or S$300 Cash
*Loan amount of S$20,000 - S$29,999: All qualifying customers get an Nintendo Switch OLED (worth S$549) or S$400 Cash
*Loan amount of S$30,000 - S$49,999: All qualifying customers get an Dyson SuperSonic (worth S$699) or $600 Cash
*Loan amount of S$50,000 - S$79,999: All qualifying customers get an Apple iPad 10th Gen 10.9 wifi 256 GB (worth S$925.90) or $780 Cash
*Loan amount of $80,000 and above: All qualifying customers get an Apple iPhone 15 128 GB (worth S$1,311) or $1,200 Cash
- Applicable to New Customers only
- Promo is NOT stackable over UOB PL Loan
- Promotion is valid until 8 May 2024
- Terms and Conditions apply
Product Page Transparency
- Pays to access additional features
Loan Features & Details
1) Key Features
- Interest rate of 3.4% p.a (EIR 6.36% p.a)
- Instant cash approval and disbursement for online applications submitted between 8an and 9pm
- Minimum loan amount of S$1,000
- Loan tenure of 1 to 5 years
- Processing fee waived (for tenure of 2 to 5 years only)
2) Eligibility
- Existing UOB Credit Card/CashPlus customer
- Age: 21 to 65 years old
- Citizenship: Singaporeans and PRs
- Minimum annual income requirement: S$30,000
3) Fees
- Late repayment fee: S$100
- Early repayment fee: 3.0% of outstanding approved loan amount or S$150, whichever is higher
4) Application Process
How to apply?
- Head over to UOB’s website to apply for the loan online
Supporting documents
- NRIC (back and front)
- Salaried employees:
undefinedundefined - Self-employed
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📣 SIGN-UP BONUS
Get an Apple iPhone 15 128 GB (worth S$1,311) or an Apple iPad 10th Gen 10.9 wifi 256 GB (worth S$925.90) or a Dyson SuperSonic (worth S$699) or a Nintendo Switch OLED (worth S$549) or a Sony WF-1000XM5 Wireless Noise Canceling Headphones (worth S$429) or a S$1200 Cash!
Valid till 08 May 2024. T&Cs apply.
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Interest rates and fees for UOB Personal Loan
Loan Tenure (years) | Processing Fee | Flat rates(% p.a.) | Effective Interest rates (% p.a) |
|---|---|---|---|
1 | 0% | 4.25% | 7.75% |
2 | 0% | 4.25% | 7.96% |
3 | 0% | 4.25% | 7.96% |
4 | 0% | 4.25% | 7.92% |
5 | 0% | 4.25% | 7.86% |
Features: Pros and cons of UOB Personal Loan
- Flat rate of 4.25% p.a.
- Effective Interest rates from 7.75% - 7.96% p.a.
- Tenure of 1 year - 5 years
- Interest charges on a reducing balance method
- No processing fee
- Minimum loan amount required is S$1,000
- Minimum annual requirement of S$30,000
- Enjoy up to S$1,200 cashback when applying for a UOB personal loan
Other Fees: what else to look out for?
- Minimum monthly repayment:
- 2.5% of the outstanding balance for UOB CashPlus (or S$30, whichever is greater)
- 3% of the outstanding balance for UOB Credit Card holders ( or S$50, whichever is greater)
- Late payment fee: S$120
- Cancellation fee: S$150 or 3% of the outstanding Approved Loan Amount, whichever is higher
Promotions:
Receive up to S$1,200 cash credit when applying for UOB Personal Loan for either 3, 4 or 5 years tenure. (Offer ends 31 March 2020.)
Approved Loan Amount | Cash Credit available |
|---|---|
$15,000 to $29,999 | $200 |
$30,000 to $ 44,999 | $600 |
from $45,000 | $1,200 |
Amount available for cashback is dependent on your loan amount and tenure
Eligibility: who can apply for UOB Personal Loan?
- Existing UOB Credit or CashPlus account holders
- 20 - 60 years old
- Singapore citizen or Permanent Resident
- Minimum annual income requirement of S$30,000
Contact UOB Singapore
Tel: 1800 222 2121
Contact us at [email protected] should you require any assistance or spot any inaccuracies.