Extra help, extra fast approval with UOB Personal Loan Whether it’s for big plans or unexpected expenses, UOB Personal Loan gives you the financial boost you need with rates as low as 2.88% p.a. (EIR from 5.43% p.a.).
Score a Samsung Galaxy Tab A9 worth S$251* and enjoy up to 2% cash rebate¹ when you apply today!
Snag a Samsung Galaxy Tab A9 (worth S$251)* and cash rebate of up to 2%¹ for loan amount of S$15,000 and above, for a tenor of 36 months or longer.
Don’t miss out on this flash deal happening every Friday! Limited time only
*Limited to the first 30 approved applicants at 9am every Friday. Terms and Conditions apply.
^ Applicable to online applications submitted between 8am to 9pm using UOB current/savings accounts for loan disbursements.
± 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.
1 For loan amount of S$15K and above with minimum tenor of 36 months
Eligible only for applications submitted directly through UOB Personal Loans page.
Estimate your monthly repayment - input your loan amount and tenor.
Loan Amount (minimum S$1,000) Loan Term (up to 5 years) Monthly Instalment Amount S$ 301.78 Processing Fee S$0.00 Total Repayment S$10,864 Interest Rate 2.88% (EIR 5.46% p.a.)The interest rate of 2.88% p.a. is the lowest published rate and for illustration only. Your personalized interest rate will be shown during your application may be different, and is given based on your credit and other details combined. Rates extended are subjected to the bank’s discretion.
The interest rate of 2.88% p.a. is the lowest published rate and for illustration only. Your personalized interest rate will be shown during your application may be different, and is given based on your credit and other details combined. Rates extended are subjected to the bank’s discretion.
Flexible loan repayment tenor from minimum 1 to maximum 5 years.
Tenor Interest Rates EIR| Tenor | Interest Rates | EIR |
| 12, 24, 36, 48 or 60 months |
| Tenor |
| 12, 24, 36, 48 or 60 months |
*1 Click here for full Cash Rebate and Friday Flash Deal 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.
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 minimum EIR is 5.43%p.a. and the maximum EIR is 7.51%p.a. based on your interest rate and selected loan tenor.
Interest is computed based on the Effective Interest Rate (EIR) payable on a reducing balance basis, where interest is computed by:
• Effective Interest Rate (“EIR”) x the Outstanding Loan Amount ÷ 365/366 days X number of days to the next Credit Card/CashPlus statement date. If the date of approval of the UOB Personal Loan and the date of your Credit Card/CashPlus Statement is less than 30/31 days, the interest payable of your 1st UOB Personal Loan instalment will be pro-rated on a 365 days basis or 366 days basis in a leap year.
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.
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.
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.
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.
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.
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.
