Lucky Draw Results
Congratulations to all winners who have participated in the UOB Personal Loan and Balance Transfer Lucky Draw! View draw results
Extra help, Extra fast approval With UOB Personal Loan
From now till to 31 May 2025, you will get up to 2% cash rebates1 for approved personal loan amount of at least S$15,000 with tenor of 3-5 years
Example: Your approved personal loan is S$200,000 with a chosen tenor of 3 years. You will get S$4,000 cash rebate.
Benefits
Instant Approval
Get immediate access to cash for your financial needs
Afforable interest rates from 2.88%p.a. (EIR from 5.43%p.a.)
Repayment made more affordable and manageable
Waiver of processing fees for all tenors
Helps to reduce your upfront cost while making instant cash accessible
Monthly repayment as low as $20±/month
±Amount based on approved loan S$1,000 at 2.88%p.a. (EIR 5.43%p.a.) for 60 months tenor, rounded to nearest tens.
Cash rebate up to 2%1
1For loan amount of S$15K and above with minimum tenor of 36 months
Eligible only for applications submitted directly through UOB Personal Loans page.
Personal Loan Calculator
Rates
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Tenor
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Interest Rates
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EIR
| Tenor | Interest Rates | EIR |
| Choose from 1-5 years Apply now |
From 2.88% p.a. | From 5.43% p.a. |
| Tenor |
| Choose from 1-5 years Apply now |
1Click here for full UOB Personal Loan Online Flash Deal Promotion terms and conditions.
To enjoy UOB Personal Loan at your convenience, please call 6668 2087 between 9.30am to 6pm (Mon to Fri).
The promotional interest rate of 2.88%p.a. (EIR 5.43% p.a.) is the lowest published rate. The interest rates offered to you will be shown during your application and is given based on your credit and other details combined, rates extended are subjected to the bank’s discretion.
Frequently asked questions
I am an existing UOB Credit Card principal cardholder or CashPlus account holder, do I have to provide any documents?
As an existing credit card member or CashPlus account holder, no documents will be requested during application. However please ensure that your UOB Credit Card or CashPlus account is active and all your particulars including income are up to date.
Why did I received a lower loan amount than requested in my application?
The approved loan amount is subjected to the bank's review and can be lower than what you have requested. Disbursement happens automatically after approval to ensure customers receive their funds as fast as possible.
Is there any late repayment penalties if I don’t make minimum payment before statement due date during the loan tenor?
Yes, the prevailing late charge and finance charges of your UOB Credit Card (or overdraft charges for UOB CashPlus account) will apply to your UOB Credit Card Personal Loan (or UOB CashPlus Personal Loan) if full payment of your billed instalment amount is not received by statement due date. Please note that finance charges (or overdraft charges) is accrued daily until full payment of the billed instalment amount is received. All charges accrued will be posted even if you have cleared your outstanding.
Can I cancel my Personal Loan earlier?
Yes, however please note that there is a cancellation fee of S$150 or 3% of your UOB Personal Loan outstanding balance, whichever is higher, should you decide to cancel your Personal Loan early. This fee is applied to each policy of UOB Personal Loan that you wish to cancel early.
Why am I seeing a different interest rate in the application form?
The interest rate offered to each customer may differ from the advertised rate. It is based on a few factors including your personal profile and tenor selected.
Is there any restrictions to the disbursement of funds?
Yes, the funds for UOB Personal Loan cannot be disbursed to your UOB credit facilities, including but not limited to your UOB Credit Card and UOB CashPlus account. Some possible uses for these funds are wedding, home renovations, travel, entrepreneurship, reducing or consolidating your debt with other banks or financial institutions, medical or other emergencies, lump sum payment for goods and services such as rent, tuition, school fees, etc.
Things you should know
Eligibility
- Existing UOB Credit Card/CashPlus customer
- Singapore Citizen or Permanent Resident
- 21-65 years old
- Minimum annual income of S$30,000
Important Notice
Sales representatives, if any, may be remunerated for the recommendation or sale of this product.
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