• Interest rate (p.a.)

    6.99% - 11.00%

  • Loan Tenure

    1 - 5 years

  • Approval Duration

    Up to 7 business days

  • Min. monthly income


Loan calculator
Loan amount
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Monthly salaryRM0
Interest rate (p.a)


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Total Interest PayableS$0
Total Amount PayableS$0
What's so great about DBS Cashline Instalment Loan ?
  • The fixed interest rate starts at 6.8% per annum
  • The lowest effective rate starts at 12.83%
  • Approved loan amount of up to 4x your monthly income
  • First year annual fee waiver

Product Features

Min. financing amountS$1,667
Max.financing amount Up to 4x fixed monthly salary
Min. loan tenure1 year
Max. loan tenure5 years
Interest rateApplied rate of 6.8% - 8.8% per annum
Approval durationUp to 7 business days
Debt consolidationYes

Fees & Charges

One time set up
Processing feeN/A
Stamp dutyN/A
Disbursement & misc. feeN/A
Annual fee$80, waived for first year
Early settlementN/A
Late payment chargesS$80
Other penaltiesDefault Interest Charge - Additional 6% on effective interest rate


Age requirementAge 21 - 65
Employment eligibilitySingaporean citizens and permanent residents
Min. salary requirementS$1,667 gross per month
Guarantor / Collateral requirementN/A

Other Requirements

Need to open linked banked account?No

Product Review byiMoney

DBS Cashline - FAQ

What is the maximum amount you can borrow?

You can borrow up to four times of your fixed monthly gross salary

The catch?

Applicant must be 21 and above

Applicant must be a Singaporean citizen or permanent resident with a minimum gross salary of S$1,667 per month.

What will it cost you and how will you be charged?

Annual fee:
  • S$80, which will be waived for the 1st year
  • Flexible term loan :
  • You can choose to repay your loan in 12, 24, 36, 48 or 60 months
  • Effective interest rate :
  • For annual income between S$20,000 to S$30,000 - 8.5% - 8.8% per annum
  • For annual income S$30,000 and above - 6.8% per annum
  • Minimum interest charge:
  • S$10
  • Minimum monthly repayment:
  • The higher of S$50 or 2.5% of outstanding balance
  • How long will the application take and what documentations are required?

    Upon completing an application with iMoney, you may expect a call from the respected bank within the same business day to confirm your application.

    Thereafter, DBS Bank will require an average of seven business days (not including Saturday, Sunday, and public holidays) before approval or disbursement.

    You are required to furnish the following documents for your loan application:

      Employee of non-MNC or private limited company:
    • Photocopy of NRIC (both sides)
    • Proof of Income:
      • Salaried Employee:

      • 1) Latest Computerized Payslip OR
        2) CPF Contribution Statement for past 12 months OR
        3) Latest Income Tax Notice of Assessment (NOA)
      Self-employed applicants:
      Photocopy of NRIC (both sides)
    • Proof of Income:

    • 1) Income Tax Notices of Assessment (NOA) for past 2 years
    • Any other documents as may be requested by the Bank at its sole discretion
      Applicants earning commission:
      Photocopy of NRIC (both sides)
    • Proof of Income:
    • Variable Income/Commission Based Earner:

    • 1) Latest 6 months Computerized Payslip OR
      2) CPF Contribution Statement for past 12 months OR
      3) Latest Income Tax Notice of Assessment (NOA)

    Can you apply if you have a bad credit score in CBS/ FICO/ DP credit bureau?

    Your personal loan application is likely to get rejected if you have a bad credit score. Late payments or missed payments are some of the major are some of the major contributors to a bad credit score. If you currently have an unsatisfactory credit score, take steps to rebuild it by clearing overdue payments. Make full and timely payments on your debts for 6 months before reapplying.

    If you are looking for personal loans offered by other banks in the Singapore, you may also consider:

    ANZ MoneyLine Term Loan (Existing Customers)
  • If you need immediate funds for support, ANZ MoneyLine Term Line could be the best fit for you. With easy cash flow management from your credit account, you can manage your monthly repayments without any hassle. Enjoy an interest rate of 5.34% up to 7.80% per annum with an approved amount of up to S$100,000. A minimum monthly income of S$2,500 is required for you to be eligible for this personal loan.

  • ANZ MoneyLine Term Loan (New Customers)
  • ANZ MoneyLine Tern Loan provides extra cash support from your ANZ MoneyLine line of credit account and allows you to manage your cash flow with instalments. Enjoy an interest rate 6.6% up to 7.80% per annum with extra cash up to 4X your monthly income. To be eligible for this loan, a minimum monthly income of S$2,500 is required.

  • Not what you`re looking for? You can also Compare Personal Loans listed on our website and choose which is the right one for you.