Cash woes? A personal loan to the rescue!
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    We found 1 DBS Personal Loan
    Bank Name
    Interest Rate
    Loan Tenure
    Joining Perks
    From 3.88% p.a. EIR from 7.56% p.a.
    1-5 Years
    What you'll love
    What you need
    What you need to consider
    What it costs

    DBS Personal Loan

    Enjoy Instant Approval and Fast Cash Disbursal

    If you need some urgent cash, you can choose from the various personal loan products on offer by DBS. DBS is currently offering four different types of personal loan products with competitive interest rates and flexible loan tenures of up to 8 years. For instance, with DBS Personal Loan, you will get an amount close to ten times your monthly salary. Other forms of personal loans include DBS Balance Transfer, DBS Cashline and DBS Debt Consolidation Plan.

    Compare Personal Loans from DBS

    Here's the interest rate range for various DBS loan products:

    Loan  Interest Rate  Loan Amount  Tenure 
    DBS Personal Loan Starting at 3.88% p.a. (EIR of 7.56% p.a.) Up to 10 times your monthly salary 1 to 5 years
    DBS Balance Transfer 0% for a period of up to 12 months Minimum loan amount of S$500 6 or 12 months
    DBS Debt Consolidation Plan
    • 3.98% p.a. (Applied Interest Rate)
    • 7.23% (Effective Interest Rate)
    Equivalent to the total outstanding on your designated accounts Shall be stated in the approval letter
     DBS Cashline 0.06% per day or 20.5% p.a. Up to 10 times your monthly income 1 to 5 years
    DBS Personal Loan Singapore


    Loan amount  Up to ten times your monthly salary
    Interest rate  3.88% p.a.
    Loan tenure  1 to 5 years
    Processing fee  1% of the loan amount

    Fees & Charges 

    When you apply for a personal loan, you will be eligible for personalised rates starting from 3.88% p.a. plus 1% processing fee (EIR of 7.56% p.a.).

    Eligibility Criteria

    To be eligible for this loan, you will have to fulfil the following eligibility criteria:

    Nationality Singaporean/Permanent Resident
    Age 21 - 65 years old
    Minimum Annual Income S$20,000 and above

    What are the Documents Required?

    You will require the following documents when you apply for the different types of personal loans:

    Salaried Employee  Self-employed 
    Latest computerised payslip or salary crediting into POSB/DBS account
    Latest one-year income tax Notice of Assessment (NOA) 
    CPF contribution history statement (latest nine months) 
    NRIC (front and back) 
    Latest one-year income tax Notice of Assessment (NOA) 
    NRIC (front and back) 

    Want to Apply? Use Any of These Modes of Application

    To submit your application, you may:

    • Make an online application.
    • Contact the telesales division of the bank.
    • Leave your details with the bank. The bank will get in touch with you.
    • Apply on our website if you’re considering the DCP loan option.

    Hotline - Clear Your Queries

    If you have any queries regarding any of the personal loans mentioned above, you can call at 1800 111 1111 or (65) 6327 2265 if you are overseas. This line will be open from Mondays to Fridays between 9:00 a.m. and 5:30 p.m. On Saturday, the line will be open between 9:00 a.m. and 12:30 p.m. The line will not be open on Sundays and public holidays.

    Life can become complicated with unsettled debts. A high debt burden ratio is something to be worried about. Forget the math, which is obviously scary! Can you enjoy life knowing that you owe someone out there some money? Movies, popcorn, or foreign holidays — nothing would probably feel as magical as they should. DCP loans can help you take back control of your life by solving some of the biggest financial concerns. Try them yourself to experience the convenience.

    Frequently Asked Questions

    Q. Why is there a different rate of interest on the application page?

    A. The rate of interest offered to you will be based on your income profile and personal credit. This rate may not be the same as published on the bank page rate and the rate offered to other borrowers.

    Q. How do I know when and how much I will have to pay with DBS Cashline?

    A. The minimum payment due and the due date will be mentioned on your DBS Cashline monthly statement. It will have all the details of your deposits and withdrawals that you have made within one month from the statement date.

    Q. How do I proceed if I do not have a deposit account with DBS?

    A. If you do not have a deposit account with DBS, you will have to apply for one before you can apply for a personal loan.

    Q. How is the DBS Personal Loan different from DBS Cashline?

    A. The DBS Personal Loan is different from DBS Cashline in the following ways:

    • Personal loans are long-term loan whereas DBS Cashline is a personal line of credit which is meant for fulfilling your short-term requirements.
    • You will be charged an interest upfront that will be fixed throughout the loan tenure with a personal loan. On the other hand, with DBS Cashline, the interest is accrued daily.
    • With personal loans, the repayment is done each month over the loan tenure while you can repay your DBS Cashline in months, weeks or days.

    Q. What is CashCare Protector?

    A. CashCare Protector is a life insurance policy that you will enjoy with DBS Cashline as an optional benefit. This policy is underwritten by Manulife (Singapore) Pte Ltd. If you opt for this policy your outstanding balance on the DBS Cashline account of up to S$100,000 will be paid off if you are diagnosed with critical or early cancer.

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