At a glance
At a glance

Regain your financial foothold with lower interest rates

Enjoy interest rates from 4.50% p.a. (EIR 8.22% p.a.1), with the flexibility to select your preferred tenor of up to 8 years.

Terms and Conditions apply.

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Ease of repayment

Ease of repayment

Monitor your outstanding balances from your credit cards and credit lines with a single account. Only one payment date to remember.

Lower interest rate

Lower interest rate

Save on interest charges with lower interest rates as compared to credit cards and credit lines.

Complementary Visa Platinum Card

Complementary Visa Platinum Card

Manage your daily essentials with ease.

How it works

  View calculator View representative example
35 years old, Singaporean
*refers to outstanding unsecured interest-bearing balances only
  • S$20,000with bank A
  • plus
  • S$30,000with bank B
  • plus
  • S$30,000with bank C
equalS$80,000total outstanding balances with all banks
hand David's requirements
  • Manage only 1 repayment date from 1 account
  • Repay his S$80,000 outstanding balance within 72 months
list Is David eligible?
  • Singapore citizen/PR only
  • Annual income from S$30,000 to <S$120,000
  • Balance-To-Income (BTI) of more than 12 times at point of application

David’s outstanding balances from his credit card and overdraft facilities with all banks including UOB will then be consolidated into UOB Debt Consolidation Plan. Thereafter, David will able to reduce his outstanding debts over time with a single monthly payment directly to UOB.

lookupBased on David's requirements, David will be looking at:
Loan amount: S$80,000
Effective interest rate: 8.22%
Fixed monthly repayment: S$1,411.11
Loan tenor: 72 months
Total interest payable: S$21,600

David will be able to repay his S$80,000 balances in 72 months by consolidating into a single account with fixed monthly repayments of S$1,411.11.

Would you like to do a self assessment?

Try it
  total outstanding balances with all banks
Monthly income Please contact one of our loan associatesPlease enter an amount of at least $2,500.
Repayment period
Please contact one of our loan associates

Now let’s look at how much you would need to pay on a monthly basis

lookupBased on your Loan requirements, you will be looking at:
*The results displayed is for illustrative purposes only. Please fill in the Contact Me Form and our Loan Associates will contact you within 5 business days.
Loan amount: S$0
Effective interest rate:
What is Effective Interest Rate (EIR) ?

The effective interest rate (“EIR”) is the actual rate incurred for using the facility, taking into account total charges and the way repayment is made

Fixed monthly repayment: S$0
Loan tenor: 0 months
Total interest payable: S$0

You will be able to repay S$0 balances in 0 months by consolidating into a single account with fixed repayments of S$0


Things you should know

Complete the form together with your supporting documents and email them to

You will need the following documents to complete your application.

  • Copy of NRIC (front and back)
  • Latest Credit bureau report - Click here to retrieve your copy
  • Latest Income Documents:
    - For salaried employees – Latest computerised payslip (in Singapore Dollar currency)
    - For self-employed – Latest Income Tax Notice of Assessment
  • Latest credit card & credit line statements of other banks which you have outstanding balances
  • Confirmation letter evidencing unbilled balances for unsecured credit instalment plans (If any)

Ready to apply?

Ready to apply?

Complete the form together with your supporting documents and email them to, or leave your contact details and our loan associates will be in touch with you within 5 business days.

    Frequently asked questions

    Do you have a question about UOB Debt Consolidation Plan?

    Get answers to your questions here.

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