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Selecting the right loan to best suit your needs
Based on your loan requirements, you might be interested in the following product:
UOB Personal Loan
About Personal Loan
Get extra cash with a fixed monthly repayment plan and long term tenor options of 12 – 60 months.
What is Personal Loan best used for
Get extra cash for that long overdue holiday, home revamp or the dream wedding you deserve.
How does Personal Loan work
You now have more time to pay off your loans with loan tenor options of 12, 24, 36, 48 and 60 months.
Fixed monthly repayment & interest rates
Fixed monthly repayment amount based on your selected loan tenor.
Interest rates is charged at 8% p.a. (per annum) of the approved loan amount, with a one-time processing fee of 1.8%.
Why choose Personal Loan
UOB Personal Loan offers a fixed monthly repayment plan to allow greater control over your finances with disciplined fixed payments.
How are interest charges calculated?
Interest rates is charged at 8% p.a. (per annum) of the approved loan amount, with a one-time processing fee of 1.8%.
Need a loan with a longer repayment option of more than 12 months?
For longer repayment option of >12 months, you may consider:
UOB CashPlus
Need a loan with a flexible repayment timeframe?
For a loan with a flexible repayment timeframe, you may consider:
UOB Funds Transfer
Fancy a brand new Coffee Maker or a Digital SLR camera? They can be yours with a UOB Personal Loan.
With UOB Personal Loan, you will get
- Affordable repayments as low as S$0.80
- Choice of loan tenors from 12 to 60 months
- Greater control of finances with structured repayments
Rates & tenors
Loan Tenor(Months) |
Processing fee(%) |
Flat rates(% p.a.) |
Effective interestrates (% p.a.) |
12 |
1.8 |
8.00 |
17.94 |
24 |
16.54 |
36 |
15.84 |
48 |
15.34 |
60 |
14.94 |
Note: The Effective Interest Rate (EIR) is the actual rate incurred for using the loan facility, taking into account of the total charges and the way the repayment is made. Thereafter, the prevailing interest rate will apply. The disbursed amount will be nett of the processing fee of the approved loan amount.
Based on your loan requirements, you might be interested in the following product:
UOB Funds Transfer
About Funds Transfer
Get extra cash with a flexible monthly repayment plan and short term tenor options of 3, 6 and 12 months.
What is Funds Transfer best used for
Repayment of outstanding credit card bills to save on interest charges. Get extra cash for that long overdue holiday, home revamp or the dream wedding you deserve.
How does Funds Transfer work
You now have the freedom to decide how much you want to pay by repaying the minimum amount each month, with loan tenor options of 3, 6 and 12 months.
Minimum monthly repayment & interest rates
Minimum monthly payment for Cards Funds Transfer is 3% or $50, whichever is higher. Minimum monthly payment for CashPlus Funds Transfer is 2.5% or $30, whichever is higher.
Enjoy a one-time processing fee from 1.49%.
Why choose Funds Transfer
UOB Funds Transfer offers a flexible repayment plan to give you more freedom to decide how much you want to pay.
How are interest charges calculated?
Pay only the upfront processing fee and no interest will be charged as long as full repayment is made within the promotional period.
Need a loan with a longer repayment option of more than 12 months?
For longer repayment option of >12 months, you may consider:
UOB Personal Loan
Need a loan with a flexible repayment timeframe?
For a loan with a flexible repayment timeframe, you may consider:
UOB CashPlus
Fancy a brand new Coffee Maker or a Digital SLR camera? They can be yours with a UOB Funds Transfer.
With UOB Funds Transfer, you will get
- Extra cash at 0% ^ interest
- Flexible Repayments
- Manage your finances
Rates and tenors
Funds Transfer at 0%^ interest rate
Loan tenor (Months) |
Processing fee(%) |
Effective interest rate (% p.a) with UOB Credit Cards* |
Effective interest rate (% p.a) with UOB CashPlus* |
3 |
1.49% |
6.11% |
6.08% |
6 |
2.50% |
5.34% |
5.27% |
12 |
4.50% |
5.20% |
5.06% |
^Processing fees apply.
*The Effective Interest Rate (EIR) is calculated based on an approved fund transfer amount of S$10,000 with 3%/2.5% of monthly minimum repayment (for Cards Funds Transfer and CashPlus Funds Transfer respectively) and full repayment of the funds transfer amount outstanding at the end of the promotional period. Effective interest rate is subjected to compounding if the monthly interest charges are not paid in full. The promotional interest rate is applicable only to approved funds transfer amount and is valid from the date the bank approves the fund transfer request and ends when the approved funds transfer amount is fully paid or on the last day of the promotional tenor, whichever earlier. Thereafter, the prevailing cash advance interest rate (Credit Cards Funds Transfer) or prevailing CashPlus interest rate (CashPlus Funds Transfer) shall apply or such other rates as the bank may stipulate from time to time at its absolute discretion.
Based on your loan requirements, you might be interested in the following product:
UOB CashPlus
About CashPlus
Get instant access to cash of up to 6X your monthly salary or S$200,000 (whichever is lower), with flexible repayment to suit your needs.
What is CashPlus best used for
Repayment of outstanding credit card bills to save on interest charges, a standby line of credit, or day-to-day purchases.
How does CashPlus work
Access cash instantly through Cheque, ATM cash withdrawal, UOB Branches/Personal Internet Banking or pay for online and retail purchases with CashPlus Visa Card.
Minimum monthly repayment & interest rates
2.5% of outstanding balance or a minimum of S$30.
Prevailing interest rate of 19.8%.
Why choose UOB CashPlus
Low interest rate, low monthly repayment and earn 1.5% cash rebate on purchases with UOB CashPlus Visa Card.
How are interest charges calculated?
Interest is calculated on a daily basis based on the outstanding balance at 19.8% p.a. (subject to the minimum interest charge of $5 per month).
Need a loan with a longer repayment option of more than 12 months?
For longer repayment option of >12 months, you may consider:
UOB Personal Loan
Need a loan with a flexible repayment timeframe?
For a loan with a flexible repayment timeframe, you may consider:
UOB Funds Transfer
Fancy a brand new Coffee Maker or a Digital SLR camera? They can be yours with a UOB CashPlus.
With UOB CashPlus, you will get
- 1.5% cash rebate on all purchases with the UOB CashPlus Visa Card
- Extra cash of up to 6X your monthly salary
- Lower interest rate at 1.65% per month as compare to credit cards
- Freedom to choose between flexible/fixed repayment
Monthly minimum
payment amount
Effective interest rate
What is EIR?
The Effective Interest Rate (EIR) is the actual rate incurred for using the loan facility, taking into account of the total charges and the way the repayment is made. Thereafter, the prevailing interest rate will apply. The disbursed amount will be nett of the processing fee of the approved loan amount. EIR is subjected to compounding if the monthly interest charges are not paid in full.
Processing feeOne-time Processing FeeOne-time Processing Fee
What is EIR?
The Effective Interest Rate (EIR) is the actual rate incurred for using the loan facility, taking into account of the total charges and the way the repayment is made. Thereafter, the prevailing interest rate will apply. The disbursed amount will be nett of the processing fee of the approved loan amount. EIR is subjected to compounding if the monthly interest charges are not paid in full.
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