Cash woes? A personal loan to the rescue!
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    We found 1 Standard Chartered CashOne personal loan
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    From 5.50% p.a.
    1-7 Years
    RM50 Tesco Online Voucher BBAZAAR EXCLUSIVE DEAL
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    Personal Loan BYTES FROM OUR KITCHEN

    Standard Chartered CashOne personal loan

    The Standard Chartered CashOne personal loan comes with a Standard Chartered Visa Platinum credit card. You can convert your repayment amount to credit limit on the card. The personal loan facility comes with a high financing amount and flexible tenure.

    Interest Rates

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

    Loan tenure Interest rate
    Up to 84 months for existing customers and 60 months for new customers Starting from 0.583% per month (6.99% p.a.)*

    0.583% per month/6.99% p.a. is the flat rate. Flat rate is provided only for your ease of comparison. Your monthly Standard Chartered CashOne personal loan instalment is a fixed sum. However, the bank determines the proportion of the instalment which relates to the payment of the principal amount and the interest amount for each instalment using monthly rest and reducing balance method. The bank does this by calculating the amount of interest payable each month using the effective interest rate on the outstanding principal amount. Financing rate offered may differ depending on eligibility. Other terms and conditions apply.

    Features

    Interest Rate Starting from 0.583% per month (6.99% p.a.)*
    Loan tenure New Customers: 1 year to 5 years Existing Customers: 1 year to 7 years
    Min. monthly income RM3,000
    Min. loan Amount RM3,000
    Max. loan Amount RM250,000
    Islamic/Conventional Conventional
    Debt consolidation Yes
    Takaful coverage NA

    0.583% per month/6.99% p.a. is the flat rate. Flat rate is provided only for your ease of comparison. Your monthly Standard Chartered CashOne personal loan instalment is a fixed sum. However, the bank determines the proportion of the instalment which relates to the payment of the principal amount and the interest amount for each instalment using monthly rest and reducing balance method. The bank does this by calculating the amount of interest payable each month using the effective interest rate on the outstanding principal amount. Financing rate offered may differ depending on eligibility. Other terms and conditions apply.

    Benefits

    • Enjoy a lifetime annual fee waiver on your Standard Chartered Visa Platinum credit card with this loan facility.
    • With each monthly loan repayment, the paid principal amount will be converted into a credit limit for you to spend on your card.
    • 100% disbursement.
    • No 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).
    • 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 Standard Chartered CashOne personal loan are mentioned in the following table:

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

    **You must give the bank at least one month’s written notice in advance of your intention to settle the facility. Upon receiving your notification, the bank will calculate and notify you the early settlement amount payable and the latest date of payment for the amount. The early settlement amount must include all accrued but unpaid interest, fees and charges in connection to the facility.

    Eligibility Criteria

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

    • Salaried Applicants
      • Minimum Age: 21 years and above
      • Maximum Age: 60 years or less (at the time of loan maturity)
      • Annual Income: RM36,000 and above
    • Self-employed Applicants
      • Minimum Age: 21 years and above
      • Maximum Age: 65 years or less (at the time of loan maturity)
      • Annual Income: RM36,000 and above

    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.
      • Borang B/BE with acknowledgement from LHDN (Lembaga Hasil Dalam Negeri), or
      • Latest 6 month’s company bank statements and the Certificate of Incorporation document issued by the Commissioner of Companies, which does not exceed 60 days from the validated date.
      • Selected side income documents.

        Commission income statement from other sources, such as commission earned from sales of products or services

    How to Apply?

    You can apply for a Standard Chartered CashOne personal loan through Bbazaar.my. All you have to do is click on “Check Eligibility” and provide a few details of your basic information.

    Super Duper Deals: Apply for a Standard Chartered CashOne personal loan on www.bbazaar.my and get a Tesco voucher worth RM50.

    Apply for Standard Chartered CashOne personal loan on www.bbazaar.my and get a Tesco voucher worth RM50 if your application is approved and the loan amount is disbursed on or before 31st January 2019.

    How to participate in the deal

    • New customers need to apply for Standard Chartered CashOne personal loan scheme on www.bbazaar.my.
    • You need to apply before 31st January 2019.
    • If your application is approved and the loan is disbursed on or before 31st January 2019, you will be entitled for a Tesco voucher worth RM50.
    • You will get to make a choice between Tesco Online Voucher for Tesco Online Shopping and Tesco Cash Voucher for shopping at Tesco Stores.

    How to use the gift voucher at Tesco website

    • To receive the online voucher, you’ll need to send a redemption claim email to support@bbazaar.my.
    • This email should contain the acknowledgement email sent by BBazaar to you when your personal loan application was referred to the bank and a photograph or scanned copy of the personal loan approval and disbursement letter from the bank. You can block out sensitive information such as your account number, etc.
    • On receiving your gift redemption email, BBazaar will send you an email containing your Tesco Online Voucher to your registered email address within 2 weeks. Customers who have opted for a cash voucher will receive the voucher at their registered delivery address within 6 weeks.
    • To use the gift voucher on Tesco’s website, you’ll need to redeem it during its validity period while making an online transaction. Validity of the voucher is reflected on the voucher itself.
    • You can also redeem your Tesco Online voucher using Tesco Online Malaysia apps.

    Important points to note

    • The online gift voucher is valid for one redemption only.
    • You can redeem only one voucher in one transaction.
    • Tesco Online delivery is valid for selected locations within Klang Valley area, Penang, and Johor Bahru.
    • This gift voucher cannot be exchanged, sold, donated, or bought.
    • Any voucher redemption claims/emails received by BBazaar for loan applications made later than 31st January 2019 will not qualify for the gift.

    Disclaimer: BBazaar reserves the right to modify, add, or discontinue the terms and conditions at any time without any notice.

    Contact Number

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

    • Local Call: 1300 888 888
    • Overseas Call: 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. Your monthly Standard Chartered CashOne personal loan instalment is a fixed sum. However, the bank determines the proportion of the instalment which relates to the payment of the principal amount and the interest amount for each instalment using monthly rest and reducing balance method. The bank does this by calculating the amount of interest payable each month using the effective interest rate on the outstanding principal amount. Financing rate offered may differ depending on eligibility. Other terms and conditions apply.

    Q. Am I 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. You must give the bank at least one month’s written notice in advance of your intention to settle the facility. Upon receiving your notification, the bank will calculate and notify you the early settlement amount payable and the latest date of payment for the amount. The early settlement amount must include all accrued but unpaid interest, fees and charges in connection to the facility.

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