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Standard Chartered CashOne Personal Loan online application."

Fast forward your plans with CashOne
Realise your plans faster. A personal loan that allows you to borrow up to 4x your monthly income. Apply now and get cash the very next working day#. Plus, receive 50% off first month’s instalment amount in the form of a cashback.

Get the Singapore Standard Chartered Bank Personal Loan to enjoy the financial freedom today!

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FAQs

What is CashOne personal loan?
CashOne personal loan is an instalment loan on your credit card that allows you to borrow up to 4 times your monthly income.

How many years can I borrow the loan for?
You can borrow the money for up to 5 years.

Will I be able to use my Platinum Credit Card or existing Standard Chartered Credit Card for retail transactions?
If your annual income is $30,000 or above, you will be issued a Platinum Credit Card. As the credit limit on your Platinum Credit Card or existing Standard Chartered Credit Card is treated as a loan, you will only be able to use the available credit limit for retail transactions once you have repaid the CashOne personal loan.

Terms and Conditions
#Standard Chartered Bank (Singapore) Limited (the "Bank")'s Next Day Cash is a service whereby if an applicant successfully submits a completed application to the Bank for a personal loan by 2pm (Monday-Friday, excluding Public Holiday), and the Bank approves such an application, the Bank will disburse the funds on the next working/banking day (Monday-Friday, excluding Public Holiday). In the event that the bank needs to contact you for additional information/confirmation to complete the application, standard processing turnaround time will apply. If the Bank is unable to process your application due to system failure, system outage, malfunction, delay or any other circumstances whatsoever, whether within our reasonable control or otherwise, the Bank may not be able to provide the Next Day Cash service and the Bank disclaims all liability arising for any such delay including any loss, damage or inconvenience caused to/incurred by you the applicant, or any third party arising from or in connection therewith. Click here for full terms and conditions.

^Get a loan of up to 4x your monthly income (subject to a maximum loan amount of $200,000) upon approval if your annual income is $30,000 and above.

The CashOne Personal Loan Cashback Promotion (the “Promotion”) is available from now till 31 August 2020. To qualify for the Promotion and receive the Cashback amounting to 50% of your first month’s instalment amount and the S$199 Credit: (a) you must apply for a CashOne Personal Loan (“CashOne”), a Credit Card Instalment Loan, or top up loan on your existing Credit Card Instalment Loan account with Standard Chartered Bank (Singapore) Limited (the “Bank”): (i) at an applied interest rate of 3.88% p.a. and above (EIR^ from 7.67% p.a.) and (ii) to be repaid over tenures of either 4 or 5 years; (b) you must have applied through any of the application channels made available to you by the Bank, except for electronic direct mailers sent by the Bank to you, online application links sent by the Bank to you through SMS and convenience cheque; (c) the Bank receives your Application during the Promotion Period, which must be approved; and (d) the approved loan amount for your CashOne / Credit Card Instalment Loan (“Approved Loan Amount”) or the approved top up loan amount for your top up loan on your existing Credit Card Instalment Loan account with the Bank (“Approved Top Up Loan Amount”), must be a minimum of S$15,000. ^EIR is calculated taking into consideration the first-year annual fee of S$199 and is based on average loan amount of S$20,000. If you satisfy the eligibility criteria, you will be eligible to receive (a) cashback amounting to 50% of your first month’s instalment amount as indicated on your CashOne account statement / a cashback amounting to 50% of your first month’s Approved Top Up Loan Amount on your Credit Card Instalment Loan account statement (“Instalment Amount”) and as may be approved by the Bank through an Application to this Promotion (“Cashback”) and (b) a one-time credit of S$199, equivalent to the first-year annual fee (“S$199 Credit”). You will be able to receive S$199 Credit, if you satisfy the eligibility criteria set out in Clauses 2(a)(i), (b), (c), and your approved Loan Amount or Approved Top Up Loan Amount, is :(a) at least S$1,000 but less than S$15,000 and above and your CashOne, Credit Card Instalment Loan or top up loan on your existing Credit Card Instalment Loan is to be repaid over a tenure of 1, 2, 3, 4, or 5 years or (b) S$15,000 and above and your CashOne, Credit Card Instalment Loan or top up loan on your existing Credit Card Instalment Loan is to be repaid over a tenure of 1, 2, 3 years. The Cashback is non-redeemable for cash, non-transferable, non-assignable and non-exchangeable for any item and will be credited within 50 working days of Application approval to your credit card accounts or any one of your credit card account, provided always that the Cashone or Credit Card Instalment Loan or top up loan on your existing Credit Card Instalment Loan account (as the case may be) is validly existing, in good standing and conducted in a proper and satisfactory manner at all times. CashOne Personal Loan Cashback Online Promotion Terms and Conditions apply.

Our decision in all matters arising out of or in connection with this Promotion is final and conclusive and no correspondence will be entertained. Our Customer Terms, Personal Loan/Personal Line of Credit/Overdraft Terms and CashOne Product Terms apply. All information is correct at the time of publishing.

CashOne Lunar New Year Cashback Promotion Terms and Conditions

  1. This CashOne Lunar New Year Cashback Promotion (the “Promotion”) is available from 18 January to 28 February 2021 (both dates inclusive) (the “Promotion Period”). By participating in the Promotion, you agree to be bound by these terms and conditions.

  2. Eligibility – Lunar New Year Cashback
  3. To qualify for the Promotion and receive the Lunar New Year Cashback (as defined at Clause 5):
    a. you must apply for a CashOne Personal Loan (“CashOne”), a Credit Card Instalment Loan, or a subsequent top up loan on your existing Credit Card Instalment Loan account, with Standard Chartered Bank (Singapore) Limited (the “Bank”):
    (i) at an applied interest rate of 3.48%p.a. and above (EIR* from 6.95%p.a.); and
    (ii) to be repaid over tenures of 3, 4 or 5 years;
    b. the Bank receives your Application (as defined at clause 3 below) during the Promotion Period;
    c. the Application (as defined at Clause 3 below) must be approved by the Bank; and
    d. the approved loan amount for your CashOne / Credit Card Instalment Loan (“Approved Loan Amount”) or the approved top up loan amount for your top up loan on your existing Credit Card Instalment Loan account with the Bank (“Approved Top Up Loan Amount”), as the case may be, pursuant to this Promotion, must be a minimum of S$5,000.

    *EIR is calculated taking into consideration the first-year annual fee of S$199; and is based on average loan amount of S$20,000.
  4. For the purposes of this Promotion, each application fulfilling Clause 2a above is an “Application”.
  5. Notwithstanding the foregoing, the Bank shall retain the sole and absolute discretion to determine the eligibility of and/or approve applications received after the end of the Promotion Period and/or allow the said applications to qualify for this Promotion, the Lunar New Year Cashback (as defined at clause 5 below on a case-to-case basis, without prejudice to these terms.

  6. Promotion Mechanics
  7. If you satisfy the eligibility criteria set out in Clause 2 (read together with Clauses 3 and 4), you will be eligible to receive a cashback of S$88 (“Lunar New Year Cashback”). For the avoidance of doubt, you are entitled to a maximum of one (1) Lunar New Year Cashback for this Promotion.
  8. The Lunar New Year Cashback will be credited within 50 working days from the date of approval of your Application, as determined in the Bank’s sole and absolute discretion, into:
    a. your credit card account which must be validly existing (i.e. must not be suspended, cancelled or terminated), in good standing, and conducted in a proper and satisfactory manner at all times, as determined by the Bank in its sole and absolute discretion, if you have only one credit card account;
    b. any one of your credit card accounts, which must be validly existing (i.e. must not be suspended, cancelled or terminated), in good standing, and conducted in a proper and satisfactory manner at all times, as determined by the Bank in its sole and absolute discretion, in the event you have more than one credit card account; or
    c. your Account (as defined at clause 9 below), in the event you have no credit card account.
  9. The Lunar New Year Cashback is non-redeemable for cash, non-transferable, non-assignable and non- exchangeable for any other item.
  10. The Bank reserves the right to, without compensation, debit the Lunar New Year Cashback from the credit card account or Account which the Lunar New Year Cashback is credited into and/or forfeit the Lunar New Year Cashback, if:
    a. you terminate the Account or credit card account, which the Lunar New Year Cashback is credited into, for any reason following the crediting of the Lunar New Year Cashback to your Account or credit card account; and/or
    b. the Account or credit card account, which the Lunar New Year Cashback is credited into, is not valid, subsisting and/or in good standing at any time after the crediting of the Lunar New Year Cashback under this Promotion, as determined at the Bank’s sole and absolute discretion.

  11. General
  12. Your CashOne or Credit Card Instalment Loan account (each an “Account”), as the case may be, must be validly existing (i.e. must not be suspended, cancelled or terminated), in good standing, and conducted in a proper and satisfactory manner at all times, including at the time of crediting (in the manner set out in Clause 7 above) of the Lunar New Year Cashback (as defined at Clause 5 above) as determined by the Bank in its sole and absolute discretion.
  13. Unless otherwise stated, this Promotion is not valid with other offers, discounts, rebates, vouchers, privileges or promotions. For the avoidance of doubt, this Promotion is not valid with the CashOne Credit Card Instalment Loan Cheque Campaign, CashOne Comparison Sites Campaign and the CashOne Comparison Site (3.88% promo) Campaign.
  14. The Bank may vary, modify, add, delete or otherwise revise any of the terms and conditions governing the Promotion or to terminate, withdraw, extend or shorten the Promotion at any time at the Bank’s sole discretion, with or without prior notice or reason.
  15. The Bank reserves the right to determine at its sole and absolute discretion all matters arising out of or in connection with the Promotion, including your eligibility for the Promotion. The Bank’s determination of all matters relating to this Promotion shall be final and binding and no correspondence will be entertained.
  16. By participating in the Promotion, you consent to the use of your personal data for marketing purposes, including but not limited to the use of his/her telephone number to contact him/her about products and promotions offered by the Bank from time to time via telephone, SMS or electronic direct mailer. Such consent will supersede any prior choices made by you. Such consent will also prevail even if you are registered or subsequently register your contact information with the national Do Not Call Registry.
  17. These Lunar New Year Cashback Promotion Terms and Conditions are to be read in conjunction with the Bank’s Customer Terms, the Current / Cheque / Savings Account and Time Deposit Terms, the Credit Card Terms, and the Credit Card Credit Card Instalment Loan Product Terms and/or any other product terms that may be relevant in relation to this Promotion (the “Other Terms”). In the event of any inconsistency between these terms and the Other Terms, these terms prevail only to the extent of such inconsistency.
  18. A person who is not a party to these terms and conditions has no rights under the Contracts (Rights of Third Parties) Act (Cap. 53B) to enforce any of these terms and conditions.
  19. These terms and conditions are governed and construed in accordance with the laws of Singapore. Any dispute arising out of these terms and conditions shall be referred to the exclusive jurisdiction of the Courts of Singapore.
  20. All information is accurate as at the date of publication.

Next Day Cash Terms and Conditions

  1. Standard Chartered Bank (Singapore) Limited (the "Bank")'s Next Day Cash is a service whereby if an applicant successfully submits a completed application to the Bank for a personal loan by 2 p.m., and the Bank approves such an application, the Bank will disburse the funds on the next working/banking day (Monday-Friday, excluding Public Holiday).
  2. For the avoidance of doubt, the Promotion is only applicable to new applications for a CashOne or Credit Card Instalment Loan received and approved during the Promotion Period. You must not have had your previous CashOne and/or Credit Card Instalment Loan accounts suspended, cancelled or terminated for any reason, prior to your new application, and subsequently re-open another CashOne and/or Credit Card Instalment Loan account during the Promotion Period.
  3. Next Day Cash is subject to the Bank’s approval of the application which must satisfy the Bank’s criteria, including our credit and risk management policies, as well as prevailing laws and regulations. The Bank reserves the right to reject any application which does not fulfil our criteria at our discretion.
  4. Next Day Cash service is only available on Mondays to Fridays (excluding public holidays), provided that the duly completed application form and all supporting documents are submitted and received by the Bank before 2p.m. on a working/banking - day. In the event that the bank needs to contact you for additional information/confirmation to complete the application, standard processing turnaround time will apply.
    Illustration

    ^Applications submitted on Saturday/Sunday/Public holiday will only be processed on the next working/banking day
  5. If the Bank is unable to process your application due to system failure, system outage, malfunction, delay or any other circumstances whatsoever, whether within our reasonable control or otherwise, the Bank may not be able to provide the Next Day Cash service and the Bank disclaims all liability arising for any such delay including any loss, damage or inconvenience caused to/incurred by you the applicant, or any third party arising from or in connection therewith.
  6. The Bank will notify the applicant of the Bank's final decision on the application, whether approved or otherwise in writing. Approved customers will also be notified via SMS.
  7. The Bank may vary, modify, add, delete or otherwise revise any of the terms and conditions governing the Next Day Cash service or to terminate, withdraw the service at any time at the Bank’s sole discretion, with or without prior notice or reason.
  8. The Bank reserves the right to determine at its sole and absolute discretion all matters arising out of or in connection with the service, including your eligibility for the service. The Bank’s determination of all matters relating to this service shall be final and binding and no correspondence will be entertained.
  9. These Next Day Cash Terms and Conditions are to be read in conjunction with the Bank’s Customer Terms, the Current / Cheque / Savings Account and Time Deposit Terms, the Personal Loan / Personal Line of Credit / Overdraft Terms, the Credit Card Terms, the CashOne Product Terms and/or the Credit Card Credit Card Instalment Loan Product Terms (as the case may be) (the “Other Terms”). In the event of any inconsistency between these terms and the Other Terms, these terms prevail only to the extent of such inconsistency.
  10. All information is accurate as at the date of publication.

* For the avoidance of doubt, banking/working day means any day from Monday to Friday, excluding Public Holidays.

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