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Standard Chartered CashOne


  • Get your approval-in-principle# within 60-seconds after you submit your application online.
  • Enjoy interest rates from as low as 6.88% p.a. (Effective interest rate of 12.75% p.a.), and better manage your finances with a flexible monthly repayment schedule.
  • Get up to 4x your monthly income with a CashOne personal loan and a 5 year annual fee waiver on Platinum credit card if you have an annual income of $30,000 and above.
  • Get up to 2x your monthly income with a CashOne personal loan if you have an annual income of $20,000 to $29,999.

Apply Directly with Bank

Interest Rates

For Approved Loan Amount: $15,000 and Above

(% P.A.)
(% P.A.)
1-year 7.80% 16.01%
2-year 7.80% 15.35%
3-year 7.50% 14.39%
4-year 7.50% 14.06%
5-year 6.88%4 12.75%

For Approved Loan Amount: $14,999 – 5,000

(% P.A.)
(% P.A.)
1-year 8.58% 19.34%
2-year 8.58% 17.76%
3-year 8.38% 16.63%
4-year 8.38% 16.08%
5-year 8.08% 15.16%

For Approved Loan Amount: $4,999 and Below

(% P.A.)
(% P.A.)
1-year 9.80% 27.56%
2-year 9.80% 23.14%
3-year 10.80% 22.99%
4-year 10.80% 21.80%
5-year 10.80% 20.92%

AR: Applied / flat interest rate
EIR: Effective interest rate
For illustration, EIR is calculated taking into consideration the first year annual fee of $199; and
1 is based on average loan amount of $20,000
2 is based on average loan amount of $10,000
3 is based on average loan amount of $4,000
4 Valid for applications submitted and approved from 1 February 2014 to 30 June 2015

Loan Repayment Period

Thanks to our flexible monthly repayment schedule, you will be in a better position to manage your finances and your cash flow.

LOAN TENOR \ LOAN AMOUNT ($) 3,000 4,000 10,000 15,000 20,000
1-year 275 366 905 1,348 1,797
2-year 150 199 488 723 963
3-year 110 147 348 510 681
4-year 90 119 278 406 542
5-year 77 103 234 336 448

For illustration purposes, the calculation is rounded up/down to the nearest dollar.

 If you are an existing Standard Chartered Credit Cardholder, your available credit card limit may be used for CashOne personal loan.

If you are an existing Standard Chartered Personal Credit customer, your line of credit may be converted to a CashOne personal loan.

If you hold any of our Credit Cards with a credit limit of $500 and your annual income ranges from $20,000 to $29,999, your Credit Card account will be closed upon approval of the CashOne personal loan.


You must be aged between 21 and 65 with a minimum annual income of:

  • $20,000 for Singapore citizens and permanent residents
  • $60,000 for foreigners with an Employment Pass
  • Employment Pass holders
    • Foreigners must be holders of P1, P2 or Q type Singapore Employment Passes
    • Q Pass holders must have minimum 1-year validity remaining on their passes


Annual Fee First year:
$199 (deducted from the loan approved)
Second year till expiry of instalment tenor:
$50 annual fee waived if all payment is received by payment due date for the past 12 months
Early redemption fee $250 or 3% of the outstanding principal, whichever is higher
Change of tenor $50 per change
Default interest (payment is not received by payment due date twice within 6 consecutive months) 4% p.a. will be added to the original EIR on your entire CashOne outstanding balance. This revised EIR will be reinstated to the original EIR if payment due is made in full by payment due date for 6 consecutive months
Late payment $60 will be charged if minimum payment is not received by the due date. If the instalment amount payment is not received on or before the due date in full and a balance is carried forward from the relevant statement, finance charges will be calculated on a daily basis at the EIR of 24.455% per annum (minimum).

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