1. Personal
  2. BORROW
  3. Personal Loan

Personal Loan

  • Instant cash for immediate needsInstant cash for immediate needs

    Instant cash for immediate needs

    Instant, convenient and timely. Apply for UOB Personal Loan online now, and enjoy a low interest of 3.68% p.a. (EIR 7.21% p.a.) with up to S$600 cash rebate.

    Apply Now

    T&Cs apply.

Benefits

Affordable repayments as low as S$0.65* a day

Get instant cash^ today when you apply for UOB Personal Loan online

^Instant cash upon approval for applications submitted between 8am to 9pm

Greater control of finances with fixed monthly repayments

 

Get up to S$600 cash rebate* when you apply for a loan amount of at least S$30,000 (loan amount can be combined across Credit Card Personal Loan and CashPlus Personal Loan applications) and a loan tenor of 36, 48 and 60-months.

Offer ends 30 April 2021.

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

Rates & Tenors

Loan Tenor(Months) Processing fee(%) Flat rates(% p.a.) Effective interest rates (% p.a.)
12 1% 3.68% 8.53%
24 7.83%
36 7.53%
48 7.35%
60 7.21%

 

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. The minimum EIR is 7.21%p.a. and the maximum EIR is 8.53%p.a. based on your loan tenor.

*Daily repayment of S$0.65 is calculated based on an approved loan amount of S$1,000 for loan tenor of 60 months and interest rate of 3.68%p.a. with 1% processing fee.

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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Eligibility

  • Existing UOB Credit Card/CashPlus customer
  • Singapore citizen or Permanent Resident
  • 21 - 60 years old
  • Minimum annual income of S$30,000
For existing UOB Credit Card/ CashPlus customers For new UOB Credit Card/ CashPlus customers

No income documents required

Apply now

For application of UOB Personal Loan with a credit card

Apply now

For application of UOB Personal Loan with a CashPlus

Apply now

More information

For UOB Personal Loan(s) approved from 27 January 2018 onwards:

Terms and Conditions Governing UOB Credit Card and CashPlus Personal Loan

For UOB Personal Loan(s) approved before 27 January 2018:

Terms and Conditions Governing UOB Credit Card and CashPlus Personal Loan

 

 

To enjoy UOB Personal Loan at your convenience, please call 6668 2087 between 9.30am to 6pm (Mon to Fri).