Enjoy up to 2%¹ cash rebate and no processing fees when you apply today!

Make your dreams happen FAST with UOB Personal Loan
At a glance

Make your dreams happen FAST with UOB Personal Loan

  • Interest as low as 2.88% p.a. (EIR from 5.43% p.a.)
  • Cash Rebate up to 2% for loan amount of S$15K and above with minimum tenor of 36 months1

Benefits

Instant approval and cash disbursement

Instant approval and cash disbursement^

^For online applications submitted between 8am to 9pm

Affordable interest rates from 2.88% p.a. (EIR from 5.43% p.a.)

Affordable interest rates from 2.88% p.a. (EIR from 5.43% p.a.)

Waiver of processing fee for all tenors

Waiver of processing fee for all tenors

Monthly repayment as low as $20<sup>±</sup>/month

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.

Frequently asked questions

I am an existing UOB Credit Card principal cardholder or CashPlus account holder, do I have to provide any documents?
chevron

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.

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.

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.

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.

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.

Yes, the funds for UOB Personal Loan cannot be disbursed to or used for repayment of your UOB credit facilities, including 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
chevron
  • Existing UOB Credit Card/CashPlus customer
  • Singapore Citizen or Permanent Resident
  • 21-65 years old
  • Minimum annual income of S$30,000


You might be interested in

Balance transfer

Enjoy uncapped 0.5% cash rebate on your UOB Balance Transfer approved loan amount of at least S$10,000 on any tenor.

CashPlus

With a low monthly repayment of 2% of your outstanding amount, standby cash is just a click away.

Debt Consolidation Plan

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

Other services

Credit Limit Review

Credit Limit Review

Enjoy greater financial flexibility to do the things you love and maximise the benefits on your UOB Credit Card and/or UOB CashPlus with a hassle-free credit limit increase application.

UOB SmartPay

UOB SmartPay

Whether it’s a travel package, air tickets, or a luxury purchase, ease your cash flow with UOB SmartPay and convert your credit card bill or selected transaction(s) to interest-free instalments.

Cash Advance

Cash Advance

With UOB Cash Advance, never worry about not having enough cash on hand.

We're here to help

Make TMRW yours, download now!