UOB Personal Loan

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Key Features

3.99%
Interest Rate*
Loan Approval Time
Instant approval (if you have a UOB credit card & apply between 8am and 9pm)
0%
Processing Fee
Guaranteed Interest Rate

Other Features

Loans starting from S$1000
Repay your loan over a period of 1 to 5 years according to your needs.
Enjoy flat rates starting from 3.4% with 0% processing fee when you take up a UOB Personal Loan.
If you’re already a UOB Credit Card member, you don’t need to submit any documents to apply for a UOB Personal Loan.
New UOB customers who apply between 8am to 8pm can receive instant approval for their loan application, subject to terms and conditions.
Please note that the rates offered to you may vary from those displayed here, as rates are customized based on individual credit profiles. UOB Bank is regulated by the Monetary Authority of Singapore.

Eligibility

Citizenship Status

Singaporean / PR

Age Requirement

21 – 65 years old

Employment Status

Salaried Employee

Minimum Annual Income

S$30,000

Fees and Charges

Processing Fee: 0%, Waived for 3 to 5 Year Loan Tenures
Late Payment Fee: S$100
Full Repayment Penalty: S$150 or 3% of outstanding loan amount

Review

By LOANPANDA

The UOB Personal Loan offers competitive interest rates and instant approval for existing UOB Credit Card members. Customers can borrow amounts starting from S$1,000 and repay the loan over a period of 1 to 5 years. UOB Personal Loan also comes with 0% processing fee for 3 to 5 year loan tenures, making it an attractive option for those looking to take out a personal loan.

Please note that the interest rates offered are customized based on individual credit profiles, and late payment or full repayment penalties may apply. UOB Bank is regulated by the Monetary Authority of Singapore.

FAQ

A credit card is a convenient tool for people to pay for purchases today, offering many perks and rewards that can add up to more savings for the cardholders.

While there are so many types of credit cards offering different features, you may wonder: How best to choose one that suits you?

Here’s a short guide LOANPANDA has compiled to help you understand the credit card requirements, interest rates and basic payment terms.