UOB Personal Loan

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Personal Banking
Loans
Line of Credit

Expand your horizon. Have the time of your life. Splash out on a new wardrobe. Or use the cash to take care of your bills. UOB Personal Loan – the cash you need, with the control you want.

Instalment is fixed every month so you have greater control when managing your money. Plus, repayment is affordable - from as low as S$2^# a day.

Benefits

Generous Loan Amount
- Enjoy up to S$200,000 cash or two times⁺ your monthly income, whichever is lower.
  
  ⁺ The Bank reserves the right to grant or assign you with any credit limit. This is subject to the maximum credit limit allowable under prevailing regulatory guidelines.

0%^* Interest Rate (For annual income of S$30,000 and above)

When you pick either a four-year or a five-year loan, you pay no interest at all for the first year!

The effective interest rates for a one-year, two-year, and three-year loan are at 9.99% p.a., 13.99% p.a. and 15.99% p.a. respectively. For a four-year and five-year loan, the effective interest rates are at 13.03% p.a. and 14.66% p.a. respectively.

The effective interest rate (EIR) is calculated on a monthly rest basis. Disbursement will be net of processing fee. The EIR and late payment interest are subject to compounding if the monthly interest charges are not repaid in full. Other conditions apply.

Interest Rate Per Annum
Loan Tenor	Year 1	Year 2	Year 3	Year 4	Year 5
1 year	9.99%
2 years	13.99%	13.99%
3 years	15.99%	15.99%	15.99%
4 years	0%	23.99%	23.99%	23.99%
5 years	0%	23.99%	23.99%	23.99%	23.99%

Fixed Monthly Instalment
Loan Tenor	Year 1	Year 2	Year 3	Year 4	Year 5
1 year	S$352
2 years	S$192	S$192
3 years	S$141	S$141	S$141
4 years	S$83	S$118	S$118	S$118
5 years	S$67	S$104	S$104	S$104	S$104

The above is for illustration purposes. Monthly instalments are calculated based on a loan amount of S$4,000 and figures are rounded off to the nearest dollar.
^{^} For a five-year loan, a minimum loan amount of S$4,000 is required.
^* Applies to the first year of a four-year and five-year loan only.

For loan calculation, please use the loan calculator (For annual income of S$30,000 and above).

Low Interest Rate (For annual income in the range of S$20,000 to S$29,999)

Amount (S$)
Approved loan amount	2,000	4,000
Less 3% processing fee	60	120
Disbursed amount	1,940	3,880
Loan Tenors and Rates	Monthly Repayment (S$)
1 year – 9.88% p.a	184	367
2 years – 9.88% p.a.	100	200
3 years – 10.88% p.a.	74	148
4 years – 10.88% p.a.	60	120
5 years – 10.88% p.a.	-	103

The above is for illustration purposes. The figures are rounded off to the nearest dollar.

The effective interest rates for a one-year, two-year, three-year, four-year and five-year loan are 17.76% p.a., 17.95% p.a., 19.37% p.a., 19.00% p.a. and 18.62% p.a. respectively.

The effective interest rate (EIR) is calculated on a front-end add-on basis. Disbursement will be net of processing fee. The EIR and default interest rate are subject to compounding if the monthly interest charges are not repaid in full. Other conditions apply.

^{^} For a five-year loan, a minimum loan amount of S$4,000 is required.

24-hour^{^} Approval
- We know that when you want more cash, you want it fast. So we have specially selected 11 dedicated branches to serve you better. To enjoy 24-hour approval^{^}, just drop your completed application form with all supporting documents into the UOB Personal Loan drop boxes at any of these branches:
  
  Admiralty Shenton Way
  Bedok Central Tampines
  Clementi Toa Payoh
  Jurong East Central UOB Plaza 1
  New Bridge Road VivoCity
  Orchard

Apply Now

If your annual income is in the range of S$20,000 to S$29,999, please download and complete this application form (PDF: 349KB) (Adobe Reader is required to view PDF files.)

If your annual income is above S$30,000, please download and complete this application form (PDF: 349KB) (Adobe Reader is required to view PDF files.)
Download application form for Interbank GIRO
Visit any UOB Group Branch
Call us at 1800 388 2121 (24 hours, toll-free)

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Read our Frequently Asked Questions
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Terms and Conditions apply (PDF: 246KB)

More Information

^ 24-hour approval is only applicable if your annual income is S$30,000 and above. Please submit a completed application form with all supporting documents to any of the 11 UOB branches (Admiralty, Bedok Central, Clementi, Jurong East Central, New Bridge Road, Orchard, Shenton Way, Tampines, Toa Payoh, UOB Plaza 1 (Main Branch) and VivoCity) before 11am on a business day. The loan will be disbursed before 11am on the next business day (Saturday, Sunday and public holidays are not considered business days). Approval and disbursement will take more than 24 hours if application form and/or supporting documents are incomplete, or crediting account is with another bank.

Admiralty	Shenton Way
Bedok Central	Tampines
Clementi	Toa Payoh
Jurong East Central	UOB Plaza 1
New Bridge Road	VivoCity
Orchard

Loans

UOB Personal Loan

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