Singapore · Lowest published EIR
UOB
Personal Loan
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.
Singapore · Longest tenor
HSBC
Personal Line of Credit — Instalment Plan
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.
Singapore · Fast via Myinfo
Standard Chartered
CashOne Personal Loan
Instant via MyinfoFixed monthly repaymentUp to 5y tenorUp to S$250kEIR from 1.75%
Advertised rate0.90%–9% p.a. (illustrative)
Effective rateEIR from 1.75% p.a.
MonthlySGD 422.47
Total costSGD 15,408.04
- Upfront fee
- SGD 199.00
- Funding
- —
- Max amount
- SGD 250,000
- Min income
- SGD 2,500/mo
S
99 first-year annual fee (deducted from approved amount).
Headline rate is SC’s lowest applied rate; illustrative EIR shown above reflects the published floor. Foreigners need min S$90k annual income + Singapore Employment Pass.
Rates, fees and eligibility shown are taken from the lender’s public product page (calculator widget, product tile and FAQ). Personalised rate, fees and approval are determined by Standard Chartered — confirm before applying.
Singapore · Local brand reach
DBS / POSB
Personal Loan
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.
Singapore · Lower income bar
OCBC
ExtraCash Loan
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.