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    Personal Loan Promotional Offers in Singapore 2018

    Banks in Singapore are offering amazing promotional deals such as lower interest rates and cashback offers to attract new customers and retain the loyalty of old customers. Listed below are some exciting promotional deals offered by various banks for the year, 2018:

    Standard Chartered CashOne

    Loan amount S$1,000 to S$200,000
    Loan tenure 1 to 5 years
    Interest rate 6.88% p.a. to 10.8% p.a.
    Loan processing time Up to 5 working days
    Eligibility Applicant should be 21 to 65 years of age with a minimum income of S$20,000 p.a. for Singapore citizens and permanent residents; S$60,000 for foreigners with an employment pass

    Standard Chartered Personal Loan Promotion

    Listed below are the promotional cashback offers on approved loans:

    • You get 0.8% cashback of the approved loan amount for a loan amount below S$50,000.
    • You get 1% cashback of the approved loan amount for a loan amount above S$50,000.

    The cashback limit is capped at S$1,088. You can apply for the loan online and get a bonus S$50 cashback, and S$199 credit to offset the 1st year annual fee. The offer will remain valid until 31 March 2018.

    HSBC Personal Loan

    Loan amount S$5,000 to S$200,000
    Loan tenure 1 to 7 years
    Interest rate 3.80% p.a. to 5.50% p.a.
    Loan processing time Up to 7 working days
    Eligibility Applicant should be 21 to 65 years of age with an income of S$30,000 p.a.

    HSBC Personal Loan Promotions

    • If you apply for this loan you can get an interest rate as low as 3.8% p.a. (EIR 7% p.a.) as part of an ongoing promotion where you have to apply for the loan before 2 March 2018, and the loan must be approved by 31 March 2018. The minimum approved loan amount should be S$10,000.
    • Under the bank’s cashback promotion, you can get a cashback of S$88 when their loans get approved. The cashback amount is credited within three months from the approval date. However, the application for the loan must be submitted before 2 March 2018, and your loan must get approved by 31 March 2018.
    • Processing Fee Waiver promotion allows you to get a waiver of the processing fee when they apply for a personal loan. The amount of the waiver stands at S$88. For this promotion, the loan application must be submitted before 2 March 2018, and you must have the loan approved by 31 March 2018.

    DBS Personal Loan

    Loan amount S$500 to S$200,000
    Loan tenure 1 to 5 years
    Interest rate 3.8% p.a. to 7.99% p.a.
    Loan processing time Up to 7 working days
    Eligibility Applicant should be 21 to 65 years of age with an income of S$20,000 p.a.

    DBS Personal Loan Promotions

    • You are offered significantly lower rates of interest of 4.58% p.a., which comes to EIR 8.22% p.a. as part of a promotional offer on signing up for DBS Debt Consolidation Plan. You can also get a cashback of up to S$1,200 upon approval. You can make use of the promotion from 1 January 2018 to 31 March 2018. The following table shows how the cashback offer works:
    • Minimum sum of loan Cashback provided Type of Customer
      Amount lesser than or equals S$75,000 S$300 Existing customers of POSB/DBS Credit Cards/Personal Loans
      Amount greater than S$75,000 S$800 Existing customers of POSB/DBS Credit Cards/Personal Loans
      Any S$1,200 New customers of POSB/DBS Credit Cards/Personal Loans

    OCBC ExtraCash (Fixed Repayment)

    Loan amount S$1,000 to S$200,000
    Loan tenure 1 to 5 years
    Interest rate 8.18% p.a. to 13.14% p.a.
    Loan processing time Up to 7 working days.
    Eligibility Applicant should be 21 to 65 years of age with an income of S$20,000 p.a. in case of Singaporean citizens and permanent residents; while S$45,000 p.a. in case of foreigners.

    UOB CashPlus

    Loan amount S$1,000 to S$200,000
    Loan tenure 1 to 5 years
    Interest rate Starts from 19.8% p.a.
    Loan processing time Up to 7 working days.
    Eligibility Applicant should be 21 to 65 years of age with an income of S$30,000 p.a.

    UOB Personal Loan Promotions

    • You can receive S$100 cash credit when you sign-up for UOB CashPlus account. However, to be eligible for this promotion you must withdraw S$6,000 within 30 days, starting from the day your credit card was approved. The offer can be only made use of by the first 1,000 eligible customers. This offer will hold valid until 28 February 2018.
    • If you apply for a personal loan from UOB, you can earn a 0% processing fee on your loan amount, when you apply for it online. This promotion will run until 28 February 2018.

    The following table illustrates how the promotion works:

    Tenure of loan Processing fee Flat interest rate Effective rate of interest
    12 months 0% 8% p.a. 14.45% p.a.
    24 months 0% 8% p.a. 14.68% p.a.
    36 months 0% 8% p.a. 14.55% p.a.
    48 months 0% 8% p.a. 14.35% p.a.
    60 months 0% 8% p.a. 14.13% p.a.

    Maybank CreditAble

    Loan amount Up to 4 times your monthly income.
    Loan tenure 1 to 5 years
    Interest rate 9% p.a. to 19.8% p.a.
    Loan processing time Up to 7 working days.
    Eligibility Applicant should be 21 to 65 years of age with a minimum income of S$30,000 p.a.

    Maybank Personal Loan Promotions

    • You’re entitled to make use of promotional rate of interest which stands at 9% p.a. when you open a Maybank CreditAble account. This offer will run for a year for each account held by different customers, starting from the date the respective CreditAble account was opened.
    • You can earn a cash credit of S$120 when you have a term loan (CreditAble) amount of S$9,000 and above approved. This promotional offer is limited to the first 500 successful applicants, where each applicant can make use of this offer only once. The cash credit will be received by the applicant within a month of application.
    • You can receive a Samsonite Orfeo 69cm Spinner for free when you apply for a CreditAble account along with 2 Maybank credit cards. The original price of the Spinner is S$420. However, to qualify for this promotion, you have to withdraw a minimum sum of S$500 within the initial two months of approval. Foreigners are also eligible for this promotion. However, they must spend a minimum amount of S$700 to qualify. The promotion will be made available for the first 8,500 eligible and successful applicants. Besides, it is limited to only one-time use. You can redeem this offer from 26 February 2018 onwards.

    POSB Personal Loan

    Loan amount Up to 4 times your monthly income.
    Loan tenure 1 to 5 years
    Interest rate 5.88% p.a. to 7.99% p.a.
    Loan processing time Up to 7 working days.
    Eligibility Applicant should be 21 to 65 years of age with a minimum income of S$20,000 p.a.

    POSB Personal Loan Promotions

    • POSB Debt Consolidation Plan promotion: You can make use of relatively lower interest rates of 4.58% p.a. (EIR 8.22% p.a.) as part of a promotional offer while you sign up. Besides, you can earn a cashback of up to S$1,200 upon approval of the loan. You can make use of the promotion from 1 January 2018 to 31 March 2018. The following table shows how the cashback offer works:
    • Minimum sum of loan Cashback provided Segment of Customer
      Amount lesser than or equals S$75,000 S$300 Existing customers to DBS/POSB Credit Cards/Unsecured Loans
      Sum greater than S$75,000 S$800 Existing customers to DBS/POSB Credit Cards/Unsecured Loans
      Nil S$1,200 New customers to DBS/POSB Credit Cards/Unsecured Loans
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