Eligible existing UBGROUPSG Credit Card or CashPlus customers can receive a fast decision and access to cash.
At a glance
Be prepared for life’s important moments
Eligible approved loans of at least S$10,000 with a tenor of three to five years may receive up to 2% cash rebate under the promotion stated to end on 31 July 2026.
Published promotional interest starts from 1.00% p.a., with EIR from 1.93% p.a.; the personalised rate may differ.
The processing fee is waived across available Personal Loan tenors under the stated product terms.
Illustrative repayments can start from approximately S$20 monthly for a S$1,000 loan over 60 months at the lowest published rate.
Qualifying applications for at least S$10,000 and a minimum 36-month tenor may receive up to 2% rebate.
Rates and tenors
Flexible repayment from one to five years
Loan amountFrom S$1,000, subject to approved limit
TenorChoose from 1 to 5 years
Published interestFrom 1.00% p.a. to 8.00% p.a.
Effective interest rateFrom 1.93% p.a. to 17.62% p.a.
Processing feeS$0 under the stated offer
The actual rate is based on UBGROUPSG’s assessment of credit profile, income, selected tenor and other application details.
Eligibility
Who may apply
Existing relationship
Available to eligible existing UBGROUPSG principal Credit Card or CashPlus customers.
Age and residency
Singapore citizens or permanent residents aged 21 to 65.
Minimum income
Minimum annual income of S$30,000, subject to bank assessment.
Frequently asked questions
Personal Loan essentials
Are documents required for existing customers?
Eligible existing Credit Card or CashPlus customers may not be asked for documents, but account, personal and income details must be current.
Can the approved amount be lower?
Yes. The approved amount is determined by the bank’s review and may be below the requested amount.
Can the loan be cancelled early?
Yes, but an early cancellation fee of S$150 or 3% of the outstanding balance, whichever is higher, applies to each loan.
Where can funds be disbursed?
Funds cannot be disbursed to UBGROUPSG credit facilities. They may be used for eligible needs such as renovation, education, medical costs, emergencies or debt consolidation elsewhere.
When is instant approval available?
It is available for eligible applications using an existing UBGROUPSG Credit Card or CashPlus account. New facilities must first be approved.
Effective interest rate
EIR reflects the actual borrowing cost, including the repayment method and applicable charges. The 1.00% headline rate is the lowest published rate for illustration; personalised pricing and approval remain at UBGROUPSG’s discretion.