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moneysmart

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S$0

POSB Personal Loan

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Singapore

1 year ago In Personal Loans

Loan Details

Estimates below are based on a S$10k loan with 3-year tenure. Customise your rates by clicking on "Get My Rate".

Loan Amount

S$10,000

Loan Tenure

3 years

Interest Rate

3.88% (EIR 7.90%)

Monthly Payment

S$310

Total Amount Payable

S$11,164

Total Interest Payable

S$1,164

Eligibility

Citizenship Status

Singaporean

Age Requirement

21-65 years old

Employment Status

Employed, Self-employed and Commission earner

Minimum Annual Income

S$20,000

Promotion

Get up to S$1,000 processing fee waiver

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Apply and receive approval for a loan with a minimum amount of S$30,000

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Must be in a single application or same-day combined applications on both DBS Cashline and Credit Card

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Applicants are entitled to only one redemption throughout promotion period

Get S$120 NTUC Vouchers

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Apply and receive approval for a loan with a minimum amount of S$3,000 in a single application

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For new to DBS/POSB Credit Card and/or Cashline account only

Key Features

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For a limited time only, get lower fixed interest rates from 3.88% p.a.

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Get immediate cash to your DBS/POSB deposit account

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Get up to 10X of your monthly salary if your annual income is S$120,000 and above

Fees & Charges

Restructuring Fee

N.A.

Late Payment Fee

S$100 for Credit Card PL; S$105 for Cashline PL

Partial Repayment Penalty

No partial repayment allowed

Full Repayment Penalty

S$150

What is EIR?

The Effective Interest Rate (EIR) of a loan takes into account the compounding effect of interest, as well as processing fees associated with the loan. Generally, the loan amount, loan tenure, frequency of repayments, and processing fees may affect the EIR of a loan. Please view each personal loan product in detail for a full breakdown of the interest rate chargeable, minimum and maximum loan tenure, as well as processing fees (if applicable).

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