Standard Chartered CashOne

Standard Chartered CashOne

Standard Chartered CashOne

Standard Chartered CashOne

Per MonthS$849
Apply Now
Back to all Personal Loan
LOWEST INTEREST RATES | FASTER FULFILMENT
Standard Chartered provides instant approval and cash disbursement of loan!
From 1.90% p.a.
Interest Rate
S$10,190
Total Amount Payable
S$0
Processing Fee
MoneySmart Exclusive

[LOWEST INTEREST RATE IN THE MARKET | FROM 1.90% p.a.]
Choose from up to S$1,200 Cash via PayNow or gifts such as the Apple 13-inch MacBook Air (worth S$1,499), Apple 11-inch iPad Air 128GB (worth S$899), Sony PS5 (SLIM) Digital Edition (worth S$669) and more! T&Cs apply.

[SCB Pinball Sure Win Promotion]
Apply for an eligible SCB Personal Loan and unlock sure-win prizes like a Paris Getaway for Two (flights, hotels and iconic experiences), Samsonite luggage, FairPrice/ Klook vouchers, and more worth S$12,000 or more! T&Cs apply.

Valid until 30 Jun 2025 - See more details below

Are you eligible?

    • Promotion is valid from 13-June-2025 to 30-June-2025

    • Receive your rewards when you get approved for a min. loan of S$8,000 with a tenure of 3 to 5 years. T&Cs apply.

    • Customers must apply through MoneySmart to be eligible

    • Promotion is valid for both New-To-Bank and Existing Standard Chartered Customers.

What you need to know

  1. Log into your MoneySmart account and submit your claim by 30th July 2025

  2. S$8,000 - S$9,999 Loan Size:
    - Gift: S$120 Cash via PayNow

  3. S$10,000 - S$14,999 Loan Size:
    - Gift: S$180 Cash via PayNow

  4. S$15,000 - S$19,999 Loan Size:
    - Gift: S$300 Cash via PayNow OR Apple AirPods Pro 2nd Gen (worth S$349)

  5. S$20,000 - S$29,999 Loan Size:
    - Gift: S$400 Cash via PayNow OR Nintendo Switch OLED (worth S$549)

  6. S$30,000 - S$49,999 Loan Size:
    - Gift: S$600 Cash via PayNow OR Sony PlayStation® 5 (SLIM) Digital Edition (worth S$669) 

  7. S$50,000 - S$79,999 Loan Size:
    - Gift: S$800 Cash via PayNow OR Apple 11 inch iPad Air Wi-Fi, 128GB (worth S$899)

  8. S$80,000 - S$250,000 Loan Size:
    - Gift: S$1,200 Cash via PayNow OR Apple 13-inch MacBook Air, M4 Chip, 256GB (worth S$1,499) 

  9. FASTER GIFT FULFILMENT: Please note that gift will be fulfilled approximately 2-3 months after the end of the campaign month (30 June 2025).

  10. *Enjoy the lowest interest rates in the market from 1.90%p.a. (EIR from 3.63% p.a.)! Accurate as of 1 March 2025. T&Cs apply.

  11. [SCB Pinball Sure Win Promotion]
    Eligible Customer must register for the Promotion during the Promotion Period, by clicking on the ‘Register Now’ button found in a Push Notification summarising the details of the Promotion

  12. [SCB Pinball Sure Win Promotion]
    Eligible Customer will earn 2x game turns when they apply for a SCB Cashone Personal Loan with a minimum loan of $15,000 and minimum tenor 3 years.

  13. [SCB Pinball Sure Win Promotion]
    Eligible Customer can earn additional game turns when they meet the relevant criteria set out in the T&Cs here.

T&Cs
FAQ
Claim Form

Quick Facts

Best For

Instant loan approval

Loan Approval Time

Instant approval

Loan Disbursement

Instant cash disbursement

Guaranteed Interest Rate?

No, interest rate is adjusted based on your risk profile

Expert Tips

Apply via MyInfo to get instant approval for your Standard Chartered Bank CashOne loan. You do not need to create a StanChart deposit account.

All Details

Back to all Personal Loan

Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Per Month
S$849
Apply Now

Standard Chartered CashOne Personal Loan Benefits 2025

Their Standard Chartered CashOne personal loan is offered with competitive annual interest rates and effective interest rate (EIR). Currently, their interest rates are being advertised as low as 1.90% p.a., working out to an EIR from 3.63% p.a. and above. As most interest rates are personalised, the Standard Chartered CashOne loan rates you get might differ, depending on other factors (which we will talk about later).

In this review, we’ll weigh the pros and cons of taking up a Standard Chartered CashOne personal loan, and compare it against some of its closest competitors.

Oui Could Be Bringing You and a Friend to Paris 🇨🇵🥐

Apply for the Standard Chartered CashOne Personal Loan to enter the Pinball Sure-Win Promotion and stand to win exclusive prizes—including a Paris getaway for two, Samsonite luggage, and vouchers from Klook, Fairprice etc.

Giveaway ends 31 July 2025.

Pros and Cons Of Standard Chartered CashOne

Pros ✅

  • Lower interest rates as compared to other similar personal loans offered by other banks
  • Fast loan approval & (almost) instant cash disbursement thereafter (depending on chosen account to disburse funds to)
  • Convenient online application with SingPass for quicker application
  • Lower minimum annual income requirement of $20,000 for Singaporeans and PRs as compared to other similar bank loans
  • No late penalties* imposed—enjoy as low as $50 flexible monthly repayments without late charges
  • No need to be an existing Standard Chartered customer to apply
  • Open to Singapore Citizens, PRs and foreigners with a Singapore Employment Pass aged 21 and above


*Exclusive SCB benefit for those who pay full monthly instalment for 6 consecutive months. Minimum payment is either $50 of 1% of approved monthly principal instalment amount, whichever is greater.

Cons ❌

  • Initial annual fee of $199 (deducted from your approved loan)
  • Higher minimum annual income requirement of $60,000 for foreigners as compared to other similar bank loans
  • Offered interest rate depends on borrower's credit profile and subject to bank's approval

Check Out Our SCB CashOne Personal Loan Review Here!

Read More

How to Apply for Standard Chartered CashOne Personal Loan?

Before you start applying for Standard Chartered CashOne or any other personal loans, you’ve got to be clear of the reason why you need to take up a personal loan, a manageable loan amount that you can afford to pay off in monthly instalments, the other costs involved such as Effective Interest Rate (EIR), processing fees, annual fees, vice versa.

Follow these steps to apply for Standard Chartered CashOne:

Step 1

Apply via MoneySmart’s SCB Cashone Personal Loan page


You may begin your application clicking on the SCB CashOne Apply Now button.

If you choose to apply online via SingPass MyInfo, Standard Chartered Bank will pull your identity and income data from SingPass (which is already verified), thus cutting short the processing time. The approval-in-principle page will appear within minutes of submitting your MyInfo.

Step 2

Provide all documentation required


The required documents for SCB CashOne personal loan are:

For salaried employees:
  • Latest computerised payslip, or
  • Latest 6 months’ CPF Contribution History Statement
  • Latest Income Tax Notice of Assessment (NOA) for higher loan amounts

    • For 100% commission-based earners:
  • Copy of NRIC (front and back)
  • Latest Income Tax NOA or
  • Latest 3 months’ Commission Statement from same employer

    • For self-employed:
  • Copy of NRIC (front and back)
  • Latest Income Tax NOA

    • For full transparency, please refer to SCB’s official website.
    Step 3

    Select your monthly repayment plan


    Decide on your required amount before picking the suitable plan and also pick your preferred SCB or non-SCB savings account to receive your funds, or provide the details of your other bank accounts.

    Step 4

    Review and confirm details


    After completing the application form and providing required documents, you will likely be directed to a review and confirm page.

    Carefully review all the information you have entered throughout the application process. This includes:
  • Personal details like your name, NRIC, contact information, employment details, etc.
  • Loan details such as requested loan amount, loan tenure (repayment period), interest rate, and monthly repayment amount.
  • Bank account details which you have to ensure that the chosen bank account number for receiving the loan funds you've provided is correct.
    • Step 5

    Receive your cash disbursement quickly


    The cash loan amount should be disbursed to your designated savings account upon successful approval.

    Frequently Asked Questions About SCB CashOne Personal Loan

    Are there any fees if I take up the SCB CashOne Personal Loan?

    Standard Chartered Bank charges an initial annual fee of $199 (deducted from your approved loan). You will not need to pay any more processing fees after the first year unless you miss any payments for your instalments where $50 will be charged annually on or before the due dates for the preceding 12 consecutive calendar months.
    There’s also an early redemption fee of $150 or 3% of the outstanding principal (whichever is higher).

    How do I apply for a SCB CashOne Personal Loan?

    You can apply for Standard Chartered CashOne in 3 simple steps.

    1. Click "Apply Now" on the Standard Chartered Bank CashOne option on MoneySmart's Personal Loans page

    2. Provide your NRIC or other identification details, latest computerised payslip, latest 6 months; CPF Contribution History Statement, and latest Income Tax Notice of Assessment (NOA) if you wish to be considered for a higher loan amount

    3. Receive your cash disbursement instantly (upon the loan approval)

    Am I eligible for SCB CashOne Personal Loan?

    If you’re a Singapore Citizen, Permanent Resident (PR) or foreigner with a valid Singapore Employment Pass, you’re eligible to apply for the Standard Chartered CashOne personal loan, as long as you’re aged 21 and above, and earn a minimum annual income of $20,000 (for Singaporeans and PRs) or $60,000 (for foreigners).

    If I’m late for my monthly instalment, how much do I have to pay?

    Late payment charge is S$100 and additional interest will be calculated on a daily basis at the EIR of 29.9% p.a. (0.082% per day).

    When will I receive the approved loan amount in my bank account?

    You will receive your funds instantly upon loan approval if using an existing SCB current or cheque & save account, regardless of loan amount.

    For non-SCB current or savings accounts, you will receive your funds in 15 minutes upon successful approval.

    Do note however, if your loan amount > $200,000 and approved before 2pm, your funds will be disbursed on the next working day. Or if approved after 2pm, funds will be disbursed 2 working days later.

    I am an existing SCB cardholder, will taking the SCB CashOne affect the credit limit of my card?

    Yes, you will actually be applying for a Credit Card Instalment Loan which draws from your existing credit card limit.

    For instance, if your existing credit card limit is $2,000 and you’ve recently spent $5,000 on it, this leaves you with a remaining balance of $15,000. Simultaneously, if you take up a credit card instalment loan of $10,000, this amount will be deducted from your remaining $15,000, leaving a balance of $5,000 to spend with your credit card.

    Are there any charges if I would like to change my SCB CashOne loan tenure?

    Yes, there is a fee of $50 per change, subject to Standard Chartered Bank’s approval.