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  • Personal Loan BYTES FROM OUR KITCHEN

    Standard Chartered CashOne Personal Loan

    CashOne personal loan by Standard Chartered comes with a Visa Platinum Credit Card . The credit limit on this card will increase with monthly repayments made on the personal loan. The loan comes with a high financing amount and flexible tenures.

    Interest Rates

    The following table contains the interest rates at which you can obtain funds via CashOne personal loan facility:

    Loan tenure Interest rate
    Up to 84 months for existing customers and 60 months for new customers From 0.583% per month or 6.99% p.a.

    Features

    Interest Rate (p.a.) 6.99% p.a.
    Loan tenure 5 Years
    Min. monthly income RM3,000
    Min. loan Amount RM3000
    Islamic/Conventional Conventional
    Debt consolidation No
    Takaful coverage Optional

    Benefits

    • The loan facility comes with a Visa Platinum Credit Card.
    • The monthly repayments made on the loan will get converted into the credit limit of the card.
    • The loan facility comes with 100% disbursement of the funds.
    • The facility doesn’t have any hidden fees and charges.
    • The loan scheme comes with a flexible repayment term that can be extended up to 84 months (for existing bank customers).
    • The annual fee of the Visa Platinum Credit Card is waived for life.
    • You can obtain the funds at a competitive range of interest rates.
    • The application process for the loan is quick and hassle-free.

    Fees and Charges

    The fees and charges associated with CashOne personal loan are mentioned in the following table:

    Fee type Fee details
    Processing fee No charge.
    Late payment charges 1% p.a. of the amount of the instalment due calculated on a daily basis.

    Eligibility Criteria

    The following are the eligibility criteria of the personal loan facility:

    • Age requirement:
      • If you are a salary-earning individual, you should be at least 21 years old at the time of application and not older than 60 years of age by the time the loan facility matures.
      • If you are a self-employed individual, the minimum entry age for the loan is 21 years and the maximum allowed age at the time of facility’s maturity is 65 years.
    • Income requirement:
      • You are required to have an annual income of RM36,000 or above to be eligible to apply for the loan.

    What Documents are required?

    You need to present the following set of documents at the time of application of the loan scheme:

    • For salaried individuals:
      • A copy of NRIC.
      • A copy of the recent month’s payslip.
      • EPF statement from the bank’s handheld device.
    • For self-employed individuals:
      • One copy of NRIC.
      • Company’s bank statement for the last 6 months and Suruhanjaya Syarikat Malaysia validity for 60 days, or
      • Borang B/BE with acknowledgement from LHDN (Lembaga Hasil Dalam Negeri).
      • Side income documents like commission income document (if any).

    How to Apply?

    You can apply for this loan online at the official website of Standard Chartered.

    In order to apply for the loan, you need to fill up the application form with the required information and submit it after uploading the supporting documents.

    Contact Number

    You can contact the bank for further information regarding the loan facility via the following numbers:

    • Hotline number: 1300 888 888
    • Customer service number: 603-7711 8888

    FAQs

    Q. What is the maximum tenure available with this facility for new customers?

    A. The maximum allowed repayment tenure associated with this facility for new customers is 60 months.

    Q. Does the process require me to bring any guarantor to the application process?

    A. No, the facility doesn’t require any guarantor or collateral for the application process.

    Q. What is the minimum repayment tenure I can get with this loan scheme?

    A. The minimum tenure you can get with the facility is 12 months.

    Q. How is the monthly instalment of this facility calculated?

    A. The fixed monthly instalment is calculated on the basis of principal amount and the interest rate at which the funds are disbursed. The instalment is calculated using a reducing balance method.

    Q. Is it allowed to settle the entire loan amount before the facility reaches its maturity?

    A. Yes, you can choose to settle the loan amount before the term matures.

    Q. What is the procedure of settling the loan amount before the scheme’s maturity?

    A. You are required to notify the bank about the same in the form of a written notice at least one month in advance in such a case. After this, the bank will calculate the early settlement amount you need to pay that includes accrued but unpaid interest and other fees and charges you need to bear.

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