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UOB : Personal Loan | Cash when you need it | UOB Singapore

Loan Tenor(Months) Processing fee(%) Flat rates(% p.a.) Effective interest rates (% p.a.)
12 0% 3.4% 6.22%
24 6.40%
36 6.42%
48 6.40%
60 6.36%

Flexible repayment loan tenor from minimum 1 to maximum 5 years.


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 6.22%p.a. and the maximum EIR is 6.42%p.a. based on your 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.


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