# Standard Chartered: CashOne personal loan from 0.90% p.a. (EIR from 1.75%)

Standard Chartered's CashOne personal loan is offered from 0.90% p.a. (EIR from 1.75% p.a.) over 1 to 5 years, with instant approval and disbursement.

- Deal: 0.90% p.a. (Deal)
- When: Ongoing since 10 Nov
- Status on 2026-11-13: undated
- Category: Cards & Banks
- Conditions: Rate depends on credit profile; S$199 first-year annual fee; age 21+, income from S$30,000 (S$90,000 for foreigners).
- Promotion page: https://www.sc.com/sg/borrow/loans/cashone/
- Where: Not stated

## Details

### CashOne Personal Loan rates
- From 0.90% p.a. applied rate (EIR from 1.75% p.a., 5-year tenure, before the annual fee)
- With the S$199 first-year annual fee: EIR 2.15% p.a. for S$20,000 over 5 years
- Tenure 1 to 5 years; approval and disbursement in real time to any bank account

### Fees
- First-year annual fee S$199, taken from the loan amount (S$10,000 loan: S$9,801 paid out)
- From year 2: S$50 a year only if instalments were late in the past 12 months
- Late payment S$100 a month; early repayment S$150 or 3% of outstanding principal, whichever is higher

### Good to know
- No late penalties after 6 months of full on-time instalments (minimum payment S$50 or 1% of the monthly principal)
- Existing SC cardholders get a Credit Card Instalment Loan drawn from their card limit (up to 98% of the available limit)
- Referrers of a CashOne borrower get S$200 under the Personal Loan Member-Get-Member promotion till 31 Dec 2026
- SMS LOAN CASHINFO NAME to 77272 for a call back

- Confidence: high
- Last updated: 2026-11-10T23:00:00+08:00
- Page: https://spill.sg/p/standard-chartered-cashone-personal-loan-0-9-2026-11-10
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_From Spill. Source: sc.com. Terms can change._