Enjoy Fast Loan Approval with UOB Personal Loans Singapore 2024!

Need instant cash? Apply for a UOB Personal Loan online and get cash as fast as 15 minutes! Read More
10,000 personal loan Paid over 3 years
We found 1 UOB Personal Loan for you!
UOB Personal Loan

Per Month


Per Month
MoneySmart Exclusive
Faster Gift Redemption
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Interest Rate*
EIR: From 5.43%
From 2.88%
Total Amount Payable
Processing Fee
Per Month

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Valid until 22 May 2024 - See more details below
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Personal Loan Calculator - Note to Borrowers

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 5.43% p.a. to up to 11.47% p.a., as per the latest update on 26 December 2023. The EIR of your loan will be dependent on the loan you apply for as well as your personal financial needs. For an example of a loan with 5.43% EIR, you would need to pay S$302/month for a S$10,000 Personal Loan with a loan tenure of 3 years. This would equate to a total payment of S$10,864 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).

UOB Personal Loan Singapore

UOB Personal Loan is provided by one of the reputed local banks in Singapore. You can get instant approval between 8am to 9pm for new UOB customers.

UOB Personal Loan Eligibility

UOB Personal Loan is open for any Singaporean/PR who is at least 21 to 65 years old and earns a minimum annual income of $30,000. Foreigners are not eligible to apply.

UOB Personal Loan Interest Rates & Benefits

Affordable interest rates

For online applications, UOB's personal loan interest rates begin at a competitive 2.88% per annum, with the Effective Interest Rate (EIR) starting from 5.43% p.a. It's important to note that these rates may vary depending on the length of the loan and other specific factors. The EIR could potentially reach as high as 7.51% p.a., contingent upon your chosen interest rate and loan tenure.

Wide range of loan tenures

UOB provides a range of loan durations, spanning from a minimum of one year to a maximum of five years, offering versatile repayment options.

Attractive monthly repayment options

Monthly repayments can start as low as $20, which is calculated based on a $1,000 loan at 2.88% p.a. (EIR of 5.43% p.a.) over a period of 60 months.

Fee waivers

There is a waiver of processing fees for all tenors, which can be a significant benefit in reducing the overall cost of the loan​​.

Instant approval and fast cash disbursement

UOB assures immediate approval for both new and existing clients, subject to the application being filed within operational hours from 8 am to 9 pm. Post-approval, the funds are typically transferred into a savings account of your choice.

Promotional offers

UOB occasionally runs promotional offers, like cash rebates on personal loan applications, dependent on the loan amount and period.

UOB Personal Loan Hotline

Want to find out more about UOB Personal Loans? Call UOB hotline at 1800 222 2121 or if you’re calling from overseas, (65) 6222 2121.

Frequently Asked Questions

How to apply for a personal loan with UOB?

Applying for a personal loan from UOB can be done easily via MoneySmart. From MoneySmart’s personal loan page, you can key in your loan amount, tenure, income and citizenship status to see which personal loans are available to you.

Then, once you have decided on getting the UOB personal loan, click “Apply Now” and you will be redirected to UOB homepage to complete your personal loan application.

Can a foreigner apply for UOB personal loan in Singapore?

UOB personal loan eligibility criteria state that only Singaporeans and PRs can apply. If you are a foreigner, you may want to look into OCBC, Standard Chartered, HSBC and Citibank personal loans instead.

What is UOB CashPlus?

UOB CashPlus is UOB’s line of credit. You can borrow up to 6 times your monthly salary (income between $2,500 and $10,000) on CashPlus. The difference between UOB CashPlus and UOB Personal Loan is that for CashPlus, you can withdraw money at an ATM machine or use the VISA card to pay conveniently.

Another key difference is that credit lines like UOB CashPlus charge much lower or no interest. The current prevailing interest for UOB CashPlus is 0% p.a. (with up to EIR 3.34% p.a.) for online applications, as opposed to the 2.88% (with EIR 5.43% p.a.) on the UOB Personal Loan.

How much personal loan can I get on my salary?

The amount of loan you can get is up to 95% of the available credit limit of your credit card account, with a minimum of $1,000.