Personal Loan

  • Skip the wait with UOB Personal LoanSkip the wait with UOB Personal Loan

    Skip the wait with UOB Personal Loan

    The faster way to get the financial boost you need, along with low interest rates of 3.4% p.a (EIR from 6.36% p.a.), get cash rebate of up to S$3,288, or 2.5% of Approved Loan Amount*.

    Promotion ends 31 March 2023. T&Cs apply.

    Apply Now



Instant approval and cash disbursement^

^For online applications submitted between 8am to 9pm

Low interest rate of 3.4% p.a. (EIR from 6.36%)

Waiver+ of processing fees

+Applies to Tenor 24 to 60 months only


Attractive Cash Rebate

Get the extra financial boost with up to S$3,288 cash rebate.

Approved Loan Amount Eligible Tenors Rebate Calculation Maximum Cash Rebate
S$10,000 to S$49,999 24, 36, 48 or 60-months 1.5% of Approved Loan Amount S$3,288 (inclusive of S$100 for new to CashPlus customers)
S$50,000 and above
2.5% of Approved Loan Amount

*Terms and conditions apply. Click here for full cash rebate promotion terms and conditions.

Rates & Tenors

Apply Now Loan Tenor (Months) Processing Fee (%) Interest Rates (% P.A.) EIR (% P.A.)
12 months 12 1 3.40 8.03
24, 36, 48 or 60 months 24 Waived 6.40
36 6.42
48 6.40
60 6.36

Flexible repayment loan tenor from minimum 1 to maximum 5 years.


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 6.36%p.a. and the maximum EIR is 8.03%p.a. based on your loan tenor.

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.



  • Existing UOB Credit Card/CashPlus customer
  • Singapore citizen or Permanent Resident
  • 21-65 years old
  • Minimum annual income of S$30,000

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).

Get up to S$3,288 cash rebate when you apply for UOB Personal Loan online now. T&Cs apply.

Apply Now