facebookUOB Personal Loan Ratings Jul 2024

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 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 an Apple iPhone 15 or an Apple iPad 10th Gen + Apple Pencil Bundle or a Dyson Airwrap™ or a Morning Coffee Machine + 20 Capsules Bundle or a Sony WF-1000XM5 or up to S$1,220 Cash

  • Promotion is valid for new-to-UOB personal loan customers only
  • Apply and get approved for a UOB Personal Loan with a min. value of S$8,000 and tenure of 1 to 5 years to be eligible for reward
  • Choice of reward varies depending on loan amount:

(S$8,000 – S$9,999): S$100 Cash

(S$10,000 – S$14,999): S$180 Cash

(S$15,000 – S$19,999): 1x Sony WF-1000XM5 (worth S$429) or S$300 Cash

(S$20,000 – S$29,999): 1x Morning Coffee Machine + 20 Capsules Bundle (worth S$684) or S$400 Cash

(S$30,000 – S$49,999): 1x Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859) or S$620 Cash

(S$50,000 – S$79,999): 1x Apple iPad 10th Gen WiFi 256GB + Apple Pencil (USB-C) Bundle (worth S$878) or S$800 Cash

(S$80,000 and above): Apple iPhone 15 128GB (worth S$1,311) or S$1,220 Cash

  • Promotion is not stackable with other promotional offers from UOB
  • Promotion is valid until 22 July 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?
Supporting documents
  • NRIC (back and front)
  • Salaried employees:
    undefinedundefined
  • Self-employed
    undefined
...see more

Popular Products

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 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 an Apple iPhone 15 or an Apple iPad 10th Gen + Apple Pencil Bundle or a Dyson Airwrap™ or a Morning Coffee Machine + 20 Capsules Bundle or a Sony WF-1000XM5 or up to S$1,220 Cash

  • Promotion is valid for new-to-UOB personal loan customers only
  • Apply and get approved for a UOB Personal Loan with a min. value of S$8,000 and tenure of 1 to 5 years to be eligible for reward
  • Choice of reward varies depending on loan amount:

(S$8,000 – S$9,999): S$100 Cash

(S$10,000 – S$14,999): S$180 Cash

(S$15,000 – S$19,999): 1x Sony WF-1000XM5 (worth S$429) or S$300 Cash

(S$20,000 – S$29,999): 1x Morning Coffee Machine + 20 Capsules Bundle (worth S$684) or S$400 Cash

(S$30,000 – S$49,999): 1x Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859) or S$620 Cash

(S$50,000 – S$79,999): 1x Apple iPad 10th Gen WiFi 256GB + Apple Pencil (USB-C) Bundle (worth S$878) or S$800 Cash

(S$80,000 and above): Apple iPhone 15 128GB (worth S$1,311) or S$1,220 Cash

  • Promotion is not stackable with other promotional offers from UOB
  • Promotion is valid until 22 July 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?
Supporting documents
  • NRIC (back and front)
  • Salaried employees:
    undefinedundefined
  • Self-employed
    undefined
...see more

Plans (5)

Slide 1 of 5

UOB Personal Loan (1 Year Tenure)

7.75%

EFFECTIVE INTEREST RATE

4.25%

FLAT INTEREST RATE

$0

PROCESSING FEE

UOB Personal Loan (2 Year Tenure)

7.96%

EFFECTIVE INTEREST RATE

4.25%

FLAT INTEREST RATE

$0

PROCESSING FEE

UOB Personal Loan (3 Year Tenure)

7.96%

EFFECTIVE INTEREST RATE

4.25%

FLAT INTEREST RATE

$0

PROCESSING FEE

UOB Personal Loan (4 Year Tenure)

7.92%

EFFECTIVE INTEREST RATE

4.25%

FLAT INTEREST RATE

$0

PROCESSING FEE

UOB Personal Loan (5 Year Tenure)

7.86%

EFFECTIVE INTEREST RATE

4.25%

FLAT INTEREST RATE

$0

PROCESSING FEE

UOB Personal Loan (1 Year Tenure)

7.75%

EFFECTIVE INTEREST RATE

4.25%

FLAT INTEREST RATE

$0

PROCESSING FEE

📣 SIGN-UP BONUS

Snag up to S$1,311 with a UOB Personal Loan! PLUS, share why you're taking a loan this summer and how it can help you achieve your dreams, and stand to get your interest covered for 2 years on top of ongoing rewards!

Valid till 22 Jul 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.