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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.
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.|
|Interest Rate (p.a.)||6.99% p.a.|
|Loan tenure||5 Years|
|Min. monthly income||RM3,000|
|Min. loan Amount||RM3000|
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.|
The following are the eligibility criteria of the personal loan facility:
You need to present the following set of documents at the time of application of the loan scheme:
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.
You can contact the bank for further information regarding the loan facility via the following numbers:
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.