Personal Loan

  • personal loanpersonal loan

    Unlock better interest rates with UOB Personal Loan

    Enjoy low interest rates of 8.00% p.a. with no processing fee (as low as EIR 14.13% p.a.), when you apply for UOB Personal Loan online!

    Apply Now


Affordable repayments as low as S$0.80* a day

Choice of loan tenors from 12 to 60 months

Greater control of finances with fixed monthly repayments

Rates & Tenors

Loan Tenor(Months) Processing fee(%) Flat rates(% p.a.) Effective interest rates (% p.a.)
12 No processing fee! 8.00 14.45
24 14.68
36 14.55
48 14.35
60 14.13


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$0.80 is calculated based on an approved loan amount of S$1,000 for loan tenor of 60 months and interest rate of 8.00% 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.



Apply Now

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.

Apply now

New UOB customer

For application of UOB CashPlus and UOB Personal Loan

Apply for UOB CashPlus via our online form and opt-in for UOB Personal loan at an exclusive rate of 5.75% p.a. (EIR 10.45% p.a.).


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


For application of UOB CashPlus only


for instant processing of UOB CashPlus


Apply for a new UOB CashPlus account 24/7 by retrieving your personal information with MyInfo. Applications submitted between 7am to 8pm (for new UOB customers) will be processed instantly. Applications received outside these times will be processed the next working day.

Visit for more information.

Terms and Conditions