Personal Loan

  • personal loanpersonal loan

    Unlock better interest rates with UOB Personal Loan

    Get S$1,200 Cashback when you apply for UOB Personal Loan Online! Promotion ends 31 December 2019.

    Apply Now


Affordable repayments as low as S$0.67* a day

Choice of loan tenors from 12 to 60 months

Greater control of finances with fixed monthly repayments

Rates & Tenors

Get S$1,200 Cashback* when you apply for a loan amount of at least S$45,000 and a loan tenor of either 36, 48 and 60-months.

Offer ends 31 December 2019.

*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 4.25 9.55
24 8.87
36 8.56
48 8.36
60 8.21


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.

*Daily repayment of S$0.67 is calculated based on an approved loan amount of S$1,000 for loan tenor of 60 months and interest rate of 4.25% 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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  • Qualify for the selected CashPlus or Credit Card Types of your choice
  • Singapore citizen or Permanent Resident
  • 21 - 60 years old
  • Minimum annual income of S$30,000

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No documents required for existing Credit Card/CashPlus customers.

For new UOB customers, get instant approval* now!

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


For application of UOB Credit Card and/or UOB Personal Loan

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For application of UOB CashPlus and/or UOB Personal Loan

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*T&Cs apply. Instant approval for applications submitted between 7am to 8pm (for new UOB customers)

Terms and Conditions

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