Get the Best UOB Personal Loans with Low Interest Rates in Singapore for 2023!

Compare personal loan & get best loan interest rates in Singapore. Read More
10,000 personal loan Paid over 3 years
We found 1 UOB Personal Loan for you!
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Per Month


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

[Faster Gift Redemption | *LOWEST INTEREST RATE]
Get up to S$450 Cash via PayNow or up to a Samsung 32-inch M7 Smart Monitor (worth S$634) when you apply for a min. loan of S$10,000 through MoneySmart! T&Cs apply.

Valid until 31 Dec 2023 - 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 6.5% 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 an example of a loan with 8.5% EIR, you would need to pay S$316/month for an 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).

UOB Personal Loan Singapore

UOB Personal Loan is provided by one of the reputed local banks in Singapore. You can get instant approval between 7am to 8pm for new UOB customers.

UOB Personal Loan Interest Rates

12 Months6.89%3.77%
24 Months7.48%3.99%
36 Months7.49%3.99%
48 Months7.46%3.99%
60 Months7.40%3.99%

UOB Personal Loan Eligibility

UOB Personal Loan is open for any Singaporean/PR who is at least 21 to 60 years old and earns a minimum annual income of $30,000. Foreigners are not eligible to apply.

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.

UOB Personal Loan Interest Rates

The current UOB personal loan interest rate is 3.77% p.a. (EIR 6.89% p.a.) for a 12 months loan tenor. The EIR, or effective interest rate, gives an accurate picture of how much extra you pay as it includes processing fees, administrative fees and other charges.

UOB Personal Loan’s interest rate is above average. One good thing about the UOB Personal Loan is that you can get instant approval if you are eligible.

You can use the UOB Personal Loan Calculator to calculate how much you have to repay monthly depending on your loan tenure and amount.

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 4 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 higher interest. The current prevailing interest for UOB CashPlus is 20.9% p.a., as opposed to the 6.86% p.a. EIR 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.