Interest Rate
(EIR 7.27% p.a.)
Total Amount Payable
Processing Fee
Min. loan repayment of 1 year to Max. of 5 years
  • Loan tenure period of minimum 1 year to a maximum of 5 years
  • Key features
    Key Features
    • Get extra cash by converting your unused credit limit from your OCBC Credit Card or EasiCredit account
    • Fixed monthly instalments of 12 to 60 months tenure
    • To apply for OCBC COI, you need to have an OCBC Credit Card or EasiCredit
    • We recommend you to apply for Cash Flo Credit Card for its convenience
    • Eligible for Singaporeans, PR and Foreigners. Bank T&Cs apply
    • Once your Cash Flo Credit Card is approved, continue your loan application via a link in the email from MoneySmart. Please provide your email to MoneySmart when you click on Apply Now above
    Repayment Summary

    Principal Loan Amount


    Loan Tenure

    3 years

    Interest Rate (p.a)


    Monthly Instalments


    Total Amount Payable


    Total Interest Payable


    Approval Duration

    3 to 5 working days


    Citizenship Status

    Singaporean / PR

    Age Requirement

    21 years old and above

    Employment Status

    Salaried Employee, Variable/Commission-based Employees or Self Employed

    Minimum Annual Income


    Fees & Charges

    Processing Fee


    Restructuring Fee


    Late Payment Fee


    Partial Repayment Penalty


    Full Repayment Penalty


    See all personal loan

    MoneySmart lists Personal Loan products that range between a minimum of 1 to a maximum of 7 years. The effective interest rate (EIR) of loan products on our site range from 8.5% p.a. to up to 20.0% p.a. The EIR of your loan will be dependent on the loan you apply for as well as your personal financial needs.

    For example, you would need to pay S$316/month for a S$10,000 Personal Loan with a loan tenure of 3 years. This would equate to a total payment of S$11,376 over 3 years. Please view each Personal Loan product in detail for a full breakdown of the interest rate chargeable, minimum and maximum loan tenure as well as processing fees (if applicable).