A UOB personal loan costs anything from 1.00% a year (EIR 1.93%) to 8.00% a year (EIR 17.62%), as at November 2026, with no processing fee. UOB is unusual in publishing the whole range, not just the floor. Where you land depends on your credit and income profile, tenure and how you apply.
This page covers UOB’s personal loan, balance transfer, CashPlus credit line and Debt Consolidation Plan, from UOB’s own pages read on 13 November 2026, and shows what the range means in dollars. We are not paid by UOB and there are no application links.
A caution on borrowing: the top of UOB’s range is close to 18% a year in true cost. Before borrowing, know which end of the range you are likely to be offered.
UOB Personal Loan: Rates, Fees and Eligibility
The UOB Personal Loan is a fixed-instalment loan drawn from your UOB credit card or CashPlus account.
- Rate range: 1.00% a year (EIR 1.93%) to 8.00% a year (EIR 17.62%). UOB calls 1.00% its lowest published rate.
- Processing fee: waived for all tenors.
- Tenure: 1 to 5 years. Minimum loan $1,000.
- Eligibility: existing UOB credit card or CashPlus customers; citizens and PRs aged 21 to 65; at least S$30,000 a year.
- Early cancellation: $150 or 3% of the outstanding balance, whichever is higher, per loan.
- Late payment: your card’s late charge and finance charges, or CashPlus overdraft charges, apply to a missed instalment.
- Use of funds: cannot be paid into UOB credit facilities.
UOB runs cash rebate promotions on this loan from time to time. We leave them out because they change; check UOB’s page.
UOB’s Borrowing Products at a Glance
| UOB product | Published rate | Published EIR | Fees | Tenure | Eligibility |
|---|---|---|---|---|---|
| Personal Loan | 1.00% to 8.00% a year | 1.93% to 17.62% | No processing fee; early cancellation $150 or 3% | 1 to 5 years | UOB card or CashPlus holders; citizens, PRs; $30,000 |
| Balance Transfer | 0% | 3.21% to 4.49% (card); 3.13% to 4.26% (CashPlus) | One-time fee of 0.80%, 1.50% or 3.88% | 3, 6 or 12 months | Age 21 to 65; $30,000 |
| CashPlus (credit line) | 20.9% a year ($30,000 and above) | Not stated | $120 annual fee, first year waived; $120 late fee | Revolving | Citizens, PRs; $30,000 |
| Debt Consolidation Plan | From 4.50% a year | From 8.22% | Not stated on the page | Up to 8 years | Citizens, PRs; $30,000 to under $120,000 |
Figures as published on UOB’s pages in November 2026. They can change without notice.
What the Range Means: A Worked Example
Take an illustrative borrower who needs $20,000. Our own figures, using UOB’s published end points and one middle case. Interest is shown on a flat basis, which is how the advertised rate is usually applied.
- At 1.00% over 5 years: interest of $1,000; instalment $350.00 a month; EIR about 1.9%.
- At 4.00% over 3 years: interest of $2,400; instalment $622.22 a month; EIR about 7.5%.
- At 8.00% over 5 years: interest of $8,000; instalment $466.67 a month; EIR about 14.1%.
The best and worst offers on the same five-year loan differ by $7,000. Our EIRs are approximations from the flat-rate cash flows. UOB’s own top figure is 17.62%, and the bank computes the exact EIR for your loan, so ask for it in writing.
Our debt payoff calculator shows how a different rate or tenure changes the instalment.
The short version: UOB publishes its full range, from 1.00% to 8.00% a year with no processing fee. Get your personal rate before deciding, and compare it on EIR and total dollars with at least two other banks.
UOB Balance Transfer, CashPlus and Debt Consolidation
Balance Transfer
The UOB Balance Transfer gives cash at 0% interest for 3, 6 or 12 months with a one-time processing fee of 0.80%, 1.50% or 3.88%. UOB calculates its EIRs on a $10,000 transfer with minimum payments of 3% (card) or 2% (CashPlus) and the balance repaid at the end. There is no early repayment fee, but once repaid the amount cannot be re-drawn at 0%. After the period, the prevailing cash advance or CashPlus rate applies. See our balance transfer guide.
CashPlus
CashPlus is a credit line of up to 4 times monthly income, or 6 times (capped at $200,000) at $120,000 a year and above. Interest is 20.9% a year for incomes of $30,000 and above, and 24% below that, with a $10 monthly minimum charge. The minimum payment is 2% or $30. If no minimum payment is made, a default rate of 29.98% applies for four months. CashPlus holders can also take a CashPlus Personal Loan, which UOB advertises at 3.4% a year (EIR 6.22%) over 12 to 60 months. Our page on credit lines compares CashPlus with the other banks’ lines.
Debt Consolidation Plan
The UOB Debt Consolidation Plan is for citizens and PRs with unsecured debt of more than 12 times monthly income. The fixed rate is 4.50% a year (EIR 8.22%) for 1 to 6 years and 5.50% (EIR 9.67%) for 7 to 8 years. A tiered option starts lower in the first year and is higher afterwards; over 6 to 8 years its EIR is 9.04% to 10.41%, above the fixed option. See debt consolidation plans.
Who It Does Not Suit
- New-to-UOB customers who want one quick loan. The personal loan is for existing card or CashPlus holders, so you would be opening a credit facility first.
- Foreigners. UOB’s personal loan and CashPlus are for citizens and PRs. See personal loans for foreigners.
- Anyone using it to clear a UOB card. The funds cannot go to UOB credit facilities.
For other banks’ published terms, read our best personal loans in Singapore hub and the pages for DBS, OCBC, Citibank and Standard Chartered.
What To Do Next
- Decide the instalment you can afford with our budget planner.
- Log in to UOB to see your personal rate, and note whether it sits near 1% or near 8%.
- Compare total repayable with at least two other offers for the same amount and tenure.
- Check how much of your MAS unsecured limit is already used, using our guide to how many personal loans you can take.
- If debts are already hard to manage, Credit Counselling Singapore offers free help.
