Get rewarded with cash rebates of up to S$4,0001 when you apply online today!
Extra help, Extra fast approval With UOB Personal Loan
- Interest rate from as low as 2.88% p.a. (EIR from 5.43% p.a.)
- Choose from flexible tenors between 12 to 60 months
- Up to 2% cash rebate1 for loan amounts of S$15,000 and above with minimum tenor of 36 months
Benefits
Instant approval and cash disbursement^
^Applicable to online applications submitted between 8am to 9pm, from Monday to Saturday, using UOB current/savings accounts for loan disbursements.
Affordable interest rates from 2.88% p.a. (EIR from 5.43% p.a.)
Waiver of processing fee for all tenors
Monthly repayment as low as $20±/month
±Amount based on approved loan S$1,000 at 2.88%p.a. (EIR 5.43%p.a.) for 60 months tenor, rounded to nearest tens.
Cash rebate up to 2%1
1For loan amount of S$15K and above with minimum tenor of 36 months
Eligible only for applications submitted directly through UOB Personal Loans page.
Personal Loan Calculator
Rates
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Tenor
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Interest Rates
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EIR
| Tenor | Interest Rates | EIR |
| 12, 24, 36, 48 or 60 months Apply now |
From 2.88% p.a. | From 5.43% p.a. |
| Tenor |
| 12, 24, 36, 48 or 60 months Apply now |
1Click here for full Cash Rebate promotion terms and conditions.
To enjoy UOB Personal Loan at your convenience, please call 6668 2087 between 9.30am to 6pm (Mon to Fri).
The promotional interest rate of 2.88%p.a. (EIR 5.43% p.a.) is the lowest published rate. The interest rates offered to you will be shown during your application and is given based on your credit and other details combined, rates extended are subjected to the bank’s discretion.
Frequently asked questions
I am an existing UOB Credit Card principal cardholder or CashPlus account holder, do I have to provide any documents?
As an existing credit card member or CashPlus account holder, no documents will be requested during application. However please ensure that your UOB Credit Card or CashPlus account is active and all your particulars including income are up to date.
Why did I received a lower loan amount than requested in my application?
The approved loan amount is subjected to the bank's review and can be lower than what you have requested. Disbursement happens automatically after approval to ensure customers receive their funds as fast as possible.
Will there be late repayment penalties charged if I don’t make repayment for my monthly instalment before due date?
Yes, the prevailing late charge and finance charges of your UOB Credit Card (or overdraft charges for UOB CashPlus account) will apply to your UOB Credit Card Personal Loan (or UOB CashPlus Personal Loan) if full payment of your billed instalment amount is not received by statement due date. Please note that finance charges (or overdraft charges) is accrued daily until full payment of the billed instalment amount is received. All charges accrued will be posted even if you have cleared your outstanding.
Can I cancel my Personal Loan earlier?
Yes, however please note that there is a cancellation fee of S$150 or 3% of your UOB Personal Loan outstanding balance, whichever is higher, should you decide to cancel your Personal Loan early. This fee is applied to each policy of UOB Personal Loan that you wish to cancel early.
Why am I seeing a different interest rate in the application form?
The interest rate offered to each customer may differ from the advertised rate. It is based on a few factors including your personal profile and tenor selected.
Is there any restrictions to the disbursement of funds?
Yes, the funds for UOB Personal Loan cannot be disbursed to or used for repayment of your UOB credit facilities, including your UOB Credit Card and UOB CashPlus account. Some possible uses for these funds are wedding, home renovations, travel, entrepreneurship, reducing or consolidating your debt with other banks or financial institutions, medical or other emergencies, lump sum payment for goods and services such as rent, tuition, school fees, etc.
Things you should know
Eligibility
- Existing UOB Credit Card/CashPlus customer
- Singapore Citizen or Permanent Resident
- 21-65 years old
- Minimum annual income of S$30,000
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