Home » Personal Loan » OCBC EasiCredit

OCBC EasiCredit


  • Easy access to cash anytime via ATM or cheque
  • Pay interest only on your outstanding amount at the end of each month
  • Borrow up to 6x your monthly salary
  • Take as long as you need to pay back outstanding amount
  • Apply at Any OCBC branch to get approval and cash in 3 minutes

Apply Directly with Bank

Interest Rates

 Rates If your income is
S$20,000 – S$29,999
If your income is
S$30,000 or more
Effective interest rate
29.8 % EIR p.a.
19.98 % EIR p.a.
Monthly minimum repayment

5% of outstanding amount

or S$50 whichever is higher
3% of outstanding amount
or S$50 whichever is higher


  • Age 21 and above
  • Annual income S$20,000 and above (For customers with annual income less than $30,000, only Singaporeans can apply)
  • Singaporeans, Singapore PRs and foreigners

Maximum amount you can borrow

If you earn more than $1,667 a month 2x monthly salary
If you earn more than $2,500 a month 4x monthly salary
If you earn more than $10,000 a month 6x monthly salary


Annual fee S$80 (waived for the first year if annual income is S$30,000 and above)
Minimum interest charge S$5
Returned cheque S$40 per cheque
Stop cheque via branch / call centre via online / phone banking S$50S$30
Late payment fee If annual income is S$30,000 and above: S$85 – S$125*If annual income is less than S$30,000: S$80
Over the counter payment / deposit S$25 per transaction
With effect from 16 March 2015

*Subject to 25% of amount due with minimum charge of S$85 and maximum charge of S$125.


  1. Hi im just wondering, i apply easicredit few days ago before cny, how will i be notified once the credit is in. I received an email saying my easicredit been approved and the account number is stated in the link, once i click it. So my questions is, will the account for my easi credit will be shown in the online banking login as well or will it be in another site?

Leave a Reply

Your email address will not be published. Required fields are marked *

Subscribe Now
If you like what you read, fill in the form to get the best deals straight into your mailbox.
We never spam or sell your data! You are free to unsubscribe at any time you want.
Thanks for being awesome!
Almost finished... We need to confirm your email address. To complete the subscription process, please click the link in the email we just sent you.
Subscribe Now
SGDTips'd love to share with you the hottest deals!
We never spam or sell your data! You are free to unsubscribe at any time you want.
Bạn có yêu các bosses dễ thương và muốn chăm sóc các bé tốt nhất?
Thanks for being awesome!