• Interest Rate (p.a.)

    6.88% - 10.80%

  • Loan Tenure

    1 - 5 years

  • Approval Duration

    Up to 7 business days

  • Min. monthly income



Receive up to S$1,138 cash back + S$199 credit to offset first-year annual fee!

Up to $1088 cashback on approved loan amount plus extra $50 cashback when you apply online

Loan calculator
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Monthly salaryRM0
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Total Interest PayableS$0
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What's so great about Standard Chartered CashOne?
  • Approved loan amount of up to 4x of your monthly income or S$200,000
  • Receive a Platinum Credit Card for those with annual income of S$30,000 and above
  • Low interest rates from 6.88% p.a.
  • Up to 1.5% CashBack (or up to S$1,088) on your approved loan amount and extra S$50 CashBack plus S$199 credit (annual fee waiver)!

Product Features

Min. financing amountS$1,000
Max.financing amount Up to 4x fixed monthly salary or up to S$200,000
Min. loan tenure1 year
Max. loan tenure5 years
Interest rateApplied rate of 6.88% – 10.80% per annum
Approval durationUp to 7 business days
Debt consolidationYes

Fees & Charges

One time set up
Processing feeN/A
Stamp dutyN/A
Annual fee$199 for first year (deducted from approved loan amount)
Early settlementThe higher of S$250 or 3% of the outstanding principal
Late payment chargesS$80
Other penaltiesCharges of S$50 per change of tenure


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

Other Requirements

Need to open linked banked account?No

Product Review byiMoney

Standard Chartered CashOne - Limited time offers

Sign-up Promotions

  • 1.5% CashBack (or up to S$1,088) on your approved loan amount
  • Additional S$50 CashBack for online applicants
  • Plus additional S$199 credit (waiver of annual fee)!


What is the maximum amount you can borrow?

You can borrow up to the higher of four times of your fixed monthly gross salary or S$ 200,000

The catch?

Applicant must be between the age of 21 to 65 to qualify

Applicant must be a Singaporean citizen, permanent resident with a minimum gross salary of S$1,667 per month or foreigners with Employment Pass earning a minimum gross salary of S$5,000 per month

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

Annual fee: : S$199 for the first year, and S$50 thereafter if any payment is received after due date Flexible term loan : : You can choose to repay your loan in 12, 24, 36, 48 or 60 months Default interest rate : : Additional 4% p.a. will be added to the original effective interest rate Late payment : : S$80 Early redemption fee : : The higher of S$250 or 3% of the outstanding principal

What are the required documents?

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

Employed applicants: : Photocopy of NRIC (both sides) : Photocopy of income proof: • Salaried: 1. Latest 1-month computerised payslip OR; 2. Latest 6 months' CPF statement OR; 3. Latest Income Tax Notice of Assessment (NOA) • Commission based: 1. Latest 6-months' computerised payslip OR; 2. Latest 6-months' CPF statement OR; 3. Latest Income Tax Notice of Assessment (NOA) Self-employed applicants: : Photocopy of NRIC (both sides) : Photocopy of income proof: 1. Latest Income Tax Notice of Assessment* * Must be a running-business for at least 2 years • Any other documents as may be requested by the Bank at its sole discretion Additional documents required for foreigners: : Copy of passport with valid Employment Pass (Type P1, P2 or Q Type*) * Q Pass holder must possess a minimum 1-year validity

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:

Citibank Ready Credit PayLite Loan
  • The personal loan rate for Citibank Ready Credit PayLite starts from 4.83% p.a. It has a maximum tenure of 5 years. To apply for this personal loan, applicant’s minimum monthly income required should be S$2,500. Citibank allow applicants to enjoy this personal loan with an option of 15-days loan return option and a fast loan approval within 1 hour.

  • DBS Cashline Instalment Loan
  • With a minimum monthly income requirement of just S$1,667, DBS Cashline Instalment loan is one of the most attractive option for applicants to get extra cash for anything and anytime. With a starting interest rate of 15.59% per annum, applicants can enjoy the loan amount of up to 4X of monthly income.

  • Looking for more choices? You can also take a look at the full line-up of Personal Loans listed on our website and choose which is the right one for you.