Fast forward your plans with CashOne

Realise your plans faster. Apply now and get cash the very next working day#.

Get up to $1,088 cashback* on your approved loan.

Approved Loan Amount Cashback Amount Cashback cap
Less than $50,000 1% of Approved
Loan Amount
$50,000 or more 1.5% of Approved
Loan Amount

Apply online now and receive additional $50 cashback. Plus, you will be awarded with an additional $199 credit to offset the first-year annual fee charged on your approved loan.

Terms and conditions apply .


Approved Loan Amount Cashback on Approved Loan Amount (Subject to a cap of $1,088) Credit awarded for 1st year annual fees Online Exclusive Cashback
$15,000 (1% of 15,000) = $150 $199 $50
$50,000 (1.5% of 50,000) = $750 $199 $50
$72,000 (1.5% of 72,000) = $1080 $199 $50
$150,000 (1.5% of 150,000) = $1088 (cashback cap) $199 $50

Note: The above table is presented for illustration purposes only, and promotional rates and/or cashback may be subject to change without prior notice, at the sole and absolute discretion of Standard Chartered Bank (Singapore) Limited (“Standard Chartered” or the “Bank”). Promotion Terms and Conditions apply

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  • Apply and get cash the very next banking day# with CashOne Personal Loan.#Terms and conditions apply.

  • Enjoy interest rates from as low as 6.88% p.a. (Effective interest rate of 12.75% p.a.), and better manage your finances with a flexible monthly repayment schedule from one to five years.

  • Get up to 4x your monthly income^ with a CashOne personal loan and a 5 year annual fee waiver on Platinum credit card if you have an annual income of $30,000 and above.

  • Get up to 2x your monthly income with a CashOne personal loan if you have an annual income of $20,000 to $29,999.

  • Depending on your loan quantum and tenor, you can get interest rates from as low as 6.88% p.a. (Effective interest rate of 12.75% p.a.).

    For annual income of $30,000 and above:

    Loan Tenor Approved Loan Amount ($)
    and Above
    and below
    (% p.a.)
    (% p.a.)
    (% p.a.)
    (% p.a.)
    1-year 7.80% 16.01% 8.58% 19.34%
    2-year 7.80% 15.35% 8.58% 17.76%
    3-year 7.50% 14.39% 8.38% 16.63%
    4-year 7.50% 14.06% 8.38% 16.08%
    5-year 6.88% 12.75% 8.08% 15.16%
    Loan Tenor Approved Loan Amount ($)
    Below $5,000
    AR (% p.a.) EIR3 (% p.a.)
    1-year 9.80% p.a. 27.56%
    2-year 9.80% p.a. 23.14%
    3-year 10.80% p.a. 22.99%
    4-year 10.80% p.a. 21.80%
    5-year 10.80% p.a. 20.92%

    AR: Applied / flat interest rate (from 6.88% to 10.80% p.a.) EIR: Effective interest rate (from 12.75% to 27.56% p.a.) For illustration, EIR is calculated taking into consideration the first year annual fee of $199; and

    1 is based on average loan amount of $20,000

    2 is based on average loan amount of $10,000
    3 is based on average loan amount of $4,000

    Thanks to our flexible monthly repayment schedule, you will be in a better position to manage your finances and your cash flow.

    Loan Amount $20,000
    Flat Interest Rate 7.50% p.a. (Effective Interest Rate of 14.39% p.a.)
    Tenor 3 years
    Total Interest Charged for the Loan $20,000 x 7.50% p.a. x 3 years = $4,500
    Loan amount + Total Interest $20,000 + $4,500 = $24,500
    Monthly Instalment $24,500 / 36 = $680.56

    If you are an existing Standard Chartered Credit Cardholder, your available credit card limit may be used for CashOne personal loan.

    If you are an existing Standard Chartered Personal Credit customer, your line of credit may be converted to a CashOne personal loan.

    If you hold any of our Credit Cards with a credit limit of $500 and your annual income ranges from $20,000 to $29,999, your Credit Card account will be closed upon approval of the CashOne personal loan.

    Fee Charge
    Annual Fee

    First year: $199 (deducted from the loan approved)

    Second year till expiry of instalment tenor:

    $50 annual fee waived if all payment is received by payment due date for the past 12 months

    Early redemption fee


    or 3% of the outstanding principal, whichever is higher

    Change of tenor

    $50 per change

    Default interest (payment is not received by payment due date twice within 6 consecutive months)

    4% p.a. will be added to the original EIR on your entire outstanding balance. The loan tenor will be extended so that your monthly instalment stays the same. This revised EIR will be reinstated to the original EIR when full payment is made by payment due date for six consecutive months.

    Late payment

    $60(with effect from 1 November 2016, this will be revised to $80)will be charged if minimum payment is not received by the due date. If the instalment amount payment is not received on or before the due date in full and a balance is carried forward from the relevant statement, finance charges will be calculated on a daily basis at the EIR of 24.455% per annum(with effect from 1 November 2016, will be revised to 25.9% per annum) .

    Please refer to our CashOne personal loan Product Terms, Customer Terms, Credit Cards Terms, Personal Loan/Personal Line of Credit/Overdraft Terms, Current/Savings Account and Time Deposit Terms for the complete features, Terms and Conditions of CashOne personal loan.

    You must be aged between 21 and 65 with a minimum annual income of:

    • $20,000 for Singapore citizens and permanent residents
    • $60,000 for foreigners with an Employment Pass
    • Employment Pass holders
      • Foreigners must be holders of P1, P2 or Q type Singapore Employment Passes
      • Q Pass holders must have minimum 1-year validity remaining on their passes

    Apply Now

    #Standard Chartered Bank (Singapore) Limited (the "Bank")'s Next Day Cash is a service whereby if an applicant successfully submits a completed application to the Bank for a personal loan by 2pm (Monday-Friday, excluding Public Holiday), and the Bank approves such an application, the Bank will disburse the funds on the next working/banking day (Monday-Friday, excluding Public Holiday). In the event that the bank needs to contact you for additional information/confirmation to complete the application, standard processing turnaround time will apply. If the Bank is unable to process your application due to system failure, system outage, malfunction, delay or any other circumstances whatsoever, whether within our reasonable control or otherwise, the Bank may not be able to provide the Next Day Cash service and the Bank disclaims all liability arising for any such delay including any loss, damage or inconvenience caused to/incurred by you the applicant, or any third party arising from or in connection therewith. Click here for full terms and conditions.

    ^Get a loan of up to 4x your monthly income (subject to a maximum loan amount of $200,000) upon approval if your annual income is $30,000 and above.

    * The CashOne Cashback Campaign (Jan – Mar 17) is valid from 1 January to 31 March 2017. If you apply for a new CashOne Personal Loan or Credit Card Instalment Loan with Standard Chartered Bank (Singapore) Limited (the “Bank”) and your application is approved, you will be eligible to receive (i) a one-time credit of $199 being the first year annual fees charged to you (“$199 Credit”) and (ii) Cashback of up to 1.5% of your approved loan amount will be awarded per eligible account (“Cashback”), subject to a cap of S$1,088. In addition if you qualify for the $199 Credit and the Cashback, and your application for a new CashOne or Credit Card Instalment Loan had been submitted online, you will be eligible to receive a one-time further $50 Cashback per eligible Account (“Online Cashback”), provided always that your eligible loan account is valid, subsisting and in good standing. The $199 Credit, Cashback and Online Cashback is non-redeemable for cash, non-transferable, non-assignable and non-exchangeable and will be credited within 50 working days of loan approval. CashOne Cashback Campaign (Jan - Mar 17) Terms and Conditions apply. Click here for full terms and conditions.

    Our decision in all matters arising out of or in connection with this Promotion is final and conclusive and no correspondence will be entertained. Our Customer Terms, Personal Loan/Personal Line of Credit/Overdraft Terms and CashOne Product Terms apply. All information is correct at the time of publishing. Click here for full Terms and Conditions

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    Category: Bank loan

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