Personal Loan

  • personal loanpersonal loan

    Unlock better interest rates online with UOB Personal Loan

    Enjoy 4.99% p.a. with just 1% fee (EIR 9.48% p.a.) plus up to S$250 worth of Dairy Farm Group vouchers.

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Affordable repayments as low as S$0.70* a day

Choice of loan tenors from 12 to 60 months

Greater control of finances with fixed monthly repayments

Rates & Tenors

Exclusively for UOB Personal Loans online applications!

Enjoy low interest rates of 4.99% p.a. with 1% processing fee.
Plus, get up to $250 worth of vouchers.

  • Get $150 worth of DFG vouchers for approved loans amount of above S$5,000
  • Get $250 worth of DFG vouchers for approved loans amount of above S$8,000

^Terms and conditions apply. Click here for full terms and promotions.

Loan Tenor(Months) Processing fee(%) Flat rates(% p.a.) Effective interest rates (% p.a.)
12 1.0 4.99 10.88
24 10.21
36 9.89
48 9.66
60 9.48


Note: The Effective Interest Rate (EIR) is the actual rate incurred for using the loan facility, taking into account of the total charges and the way the repayment is made. Thereafter, the prevailing interest rate will apply.

*Daily repayment of S$0.70 is calculated based on an approved loan amount of S$1,000 for loan tenor of 60 months and interest rate of 4.99% p.a.

Interest is computed based on the Effective Interest Rate (EIR) payable on a reducing balance basis, where interest is computed by:

  • Effective Interest Rate (“EIR”) x the Outstanding Loan Amount ÷ 365/366 days X number of days to the next Credit Card/CashPlus statement date.

If the date of approval of the UOB Personal Loan and the date of your Credit Card/CashPlus Statement is less than 30/31 days, the interest payable of your 1st UOB Personal Loan instalment will be pro-rated on a 365 days basis or 366 days basis in a leap year.



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Existing UOB Credit Card/CashPlus customer

UOB Personal Internet Banking

NEW! Login to your Personal Internet Banking account to apply
Log in

Online form


Submit your application online for a paperless and hassle-free experience.

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New UOB customer

Apply for a UOB CashPlus via our online form and opt-in for a UOB Personal Loan.


Your approved loan amount will be drawn-down from your UOB CashPlus limit and disbursed to a designated savings account of your choice.


Apply now

Terms and Conditions