SEABorrow

Lender page

OCBC · ExtraCash Loan

A shareable lender landing page for Singapore borrowers. Use it to inspect the published rate, fee notes, income bar and a representative repayment example before you open the lender site.

Open official source
✓ Verified on lender pageLast checked Jun 01, 2026Official bank page ↗
Representative monthly paymentSGD 484.57SGD 15,000 over 36 months
Effective rateEIR from 10.96% p.a.From 10.08% p.a.
Upfront feesSGD 500.00Processing fee: S$200 or 2% of approved loan amount, whichever is higher.
Income barSGD 1,667/moCheck early settlement terms

What this page is good for

  • Sharing one lender result directly in WhatsApp, Reddit or social posts.
  • Showing a repayment example without making the borrower re-enter filters first.
  • Keeping the source URL and lender-specific caveats next to the numbers.

Published terms at a glance

Amount range
Check source
Tenor
12–60 months
Funding
Check source
Badge
Lower income bar

Editorial note

OCBC publishes its applied/EIR table by income band (S$20k–S$29,999 vs ≥S$30k) and tenor; figures shown reflect the full published range.

Rates, fees and eligibility shown are taken from the lender’s public product page. OCBC publishes interest rates as a matrix by income band and tenor; the figures here capture the full range and EIR span exactly as the page states.

Read more about how SEABorrow classifies verified vs partial / indicative rows on the Methodology page.

Methodology page

SEABorrow is independent and not affiliated with any listed bank. Loan terms change frequently — confirm on the lender's official page before applying. Read our full Disclaimer.

Repayment example

OCBC planner loaded below

The planner starts with Singapore defaults and preselects this lender so the shared URL opens to the same offer.

Compare & filter

Find the right Southeast Asia loan shortlist

Start with one market, then adjust amount, tenure and income to surface the most realistic offers.

Popular amounts:
Market focusSingaporeDense bank market, low headline rates, strong focus on EIR and fee transparency.
Best headline rate1.00%UOB · Personal Loan
Lowest monthly costSGD 423.12UOB · Personal Loan
Fastest payout—Not published

Offer shortlist

4 matching bank loans

Verified offers were manually checked on the lender’s public product page; confirm current terms before applying.

Singapore · Lowest published EIR

UOB

Personal Loan

Fit 99
✓ Verified on lender pageLast checked Jul 15, 2026Official bank page ↗
No processing feeEIR from 1.93%
Advertised rateFrom 1% p.a.
Effective rateEIR from 1.93% p.a.
MonthlySGD 423.12
Total costSGD 15,232.37
Upfront fee
SGD 0.00
Funding
—
Max amount
—
Min income
SGD 2,500/mo
Processing fee waived for all tenors (UOB page).
Lowest advertised rate; personalised rate depends on UOB credit assessment.
Rates, fees and eligibility shown are taken from the lender’s public product page. Personalised rate, fees and approval are determined by UOB — confirm before applying.
Open lender pageOpen lender site
Singapore · Longest tenor

HSBC

Personal Line of Credit — Instalment Plan

Fit 99
✓ Verified on lender pageLast checked Jul 15, 2026Official bank page ↗
Long tenor (up to 7y)No processing fee
Advertised rateFrom 1.30% p.a.
Effective rateEIR from 2.50% p.a.
MonthlySGD 425.07
Total costSGD 15,302.52
Upfront fee
SGD 0.00
Funding
—
Max amount
—
Min income
SGD 2,500/mo
Zero processing fee at the published promotional rate.
Promotional rate; income requirement is higher for new HSBC customers (S$65k+).
Rates, fees and eligibility shown are taken from the lender’s public product page. Personalised rate, fees and approval are determined by HSBC — confirm before applying.
Open lender pageOpen lender site
Singapore · Local brand reach

DBS / POSB

Personal Loan

Fit 99
✓ Verified on lender pageLast checked Jul 15, 2026Official bank page (FAQ example) ↗
Up to 5y tenorCashline-linked
Advertised rateFrom 1.48% p.a. (lowest published)
Effective rateEIR 3.22% p.a.
MonthlySGD 426.24
Total costSGD 15,494.71
Upfront fee
SGD 150.00
Funding
—
Max amount
—
Min income
—
1% processing fee per the official page; personalised rate varies.
DBS publishes a lowest reference rate; your actual rate is set at application.
Rates, fees and eligibility shown are taken from the lender’s public product page (illustrative FAQ example). Personalised rate, fees and approval are determined by DBS / POSB — confirm before applying.
Open lender pageOpen lender site
Singapore · Lower income bar

OCBC

ExtraCash Loan

Fit 61
✓ Verified on lender pageLast checked Jul 15, 2026Official bank page ↗
Lower income bar (S$20k)Up to 6× salaryEIR up to 26.39%
Advertised rateFrom 10.08% p.a.
Effective rateEIR from 10.96% p.a.
MonthlySGD 484.57
Total costSGD 17,944.57
Upfront fee
SGD 500.00
Funding
—
Max amount
—
Min income
SGD 1,667/mo
Processing fee: S$200 or 2% of approved loan amount, whichever is higher.
OCBC publishes its applied/EIR table by income band (S$20k–S$29,999 vs ≥S$30k) and tenor; figures shown reflect the full published range.
Rates, fees and eligibility shown are taken from the lender’s public product page. OCBC publishes interest rates as a matrix by income band and tenor; the figures here capture the full range and EIR span exactly as the page states.
Open lender pageOpen lender site

Repayment planner

OCBC · ExtraCash Loan

A single place to inspect monthly repayment, interest burden and fee impact before you build more landing pages around this market.

Estimated monthly paymentSGD 484.5736 monthly installments
Total repaymentSGD 17,444.57Principal + interest
Total interestSGD 2,444.57Cost of borrowing
Upfront feesSGD 500.00Processing + fixed charges
All-in cash costSGD 17,944.57Repayment plus fees
Income barSGD 1,667/moWatch early settlement terms

Amortization snapshot

Month-by-month repayment schedule

MonthPaymentPrincipalInterestBalance
1SGD 484.57SGD 358.57SGD 126.00SGD 14,641.43
2SGD 484.57SGD 361.58SGD 122.99SGD 14,279.85
3SGD 484.57SGD 364.62SGD 119.95SGD 13,915.22
4SGD 484.57SGD 367.68SGD 116.89SGD 13,547.54
5SGD 484.57SGD 370.77SGD 113.80SGD 13,176.77
6SGD 484.57SGD 373.89SGD 110.68SGD 12,802.88
7SGD 484.57SGD 377.03SGD 107.54SGD 12,425.86
8SGD 484.57SGD 380.19SGD 104.38SGD 12,045.66
9SGD 484.57SGD 383.39SGD 101.18SGD 11,662.27
10SGD 484.57SGD 386.61SGD 97.96SGD 11,275.66
11SGD 484.57SGD 389.86SGD 94.72SGD 10,885.81
12SGD 484.57SGD 393.13SGD 91.44SGD 10,492.68

Scenario lab

Run affordability, DSR and early-payoff checks without leaving the comparison flow

These tools stay tied to the selected lender and borrower inputs, so every output remains connected to the exact scenario on screen.

Affordability radar

How much monthly budget feels realistic?

Use simple income bands to see how aggressive this scenario is and what principal each band could support at the selected lender rate.

15% of incomeSGD 630.00/mo budget
SGD 19,501.77
20% of incomeSGD 840.00/mo budget
SGD 26,002.36
25% of incomeSGD 1,050.00/mo budget
SGD 32,502.95
30% of incomeSGD 1,260.00/mo budget
SGD 39,003.54

Payment pressure

Debt-service view for the selected offer

A quick screen for monthly pressure against the current income input and lender income bar.

Installment / income11.5%
Lender income barSGD 1,667.00/mo
Eligibility signalMeets lender floor

This scenario looks relatively light versus the current monthly-income assumption.

Tenure sandbox

Slide the term and watch cost rebalance

36 monthsSGD 15,000.00 principal
MonthlySGD 484.57
Total interestSGD 2,444.57
All-in costSGD 17,944.57

This matches the currently selected term. Drag the slider to see how cash-flow and total cost rebalance.

Early-settlement preview

What if you clear the loan early?

Month 12
Remaining balanceSGD 10,492.68
Interest paid so farSGD 1,307.54
Interest avoidedSGD 1,137.04

This is a planning view of balance and interest saved before lender-specific settlement fees or lock-in penalties.

Why this experience is stronger

Designed as a borrower toolkit, not a thin rate table

  • Country-aware comparison, lender pages, shareable scenarios and repayment schedules in one product.
  • Affordability, DSR and early-payoff checks tied directly to the selected lender row.
  • Guides, methodology and policy pages embedded in the same information architecture.

Expansion path

High-related next tools for this vertical

  • Singapore affordability calculator by salary band
  • Singapore DSR / DTI checker with lender-income fit
  • Singapore early-settlement and prepayment-fee explainer

All offers below are derived from publicly visible bank product pages (snapshot per row). Where a lender does not publish a figure, we show “Check source” rather than guess. Rates, fees and approval terms change frequently — confirm on the lender’s own site before applying.