Interest Rate
(EIR 7.90% 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
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    • Get immediate cash to your DBS/POSB deposit account
    • For a limited time only, get up to $1,088 cashback when you apply online
    • Get up to 10X of your monthly salary if your annual income is S$120,000 and above
    Repayment Summary

    Principal Loan Amount


    Loan Tenure

    3 years

    Interest Rate (p.a)


    Monthly Instalments


    Total Amount Payable


    Total Interest Payable


    Approval Duration

    immediate within banking hours


    Citizenship Status

    Singaporean / PR

    Age Requirement

    age 21 - 65 years old

    Employment Status

    Employed, Self-employed and Commission earner

    Minimum Annual Income


    Fees & Charges

    Processing Fee


    Restructuring Fee


    Late Payment Fee

    S$100 for Credit Card PL; S$120 for Cashline PL

    Partial Repayment Penalty

    No partial repayment allowed

    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).