At a Glance

We all need extra finances every once in a while, and that’s where a loan can come in handy. But first, let’s really understand how loans work.

A loan is a needs-based financial solution

Approval is based on creditworthiness, without needing collateral

Loans can help you manage your cashflow better

They can offer lower interest repayments

Some loans come with flexible repayment plans

 

Get the right unsecured loan for you

The right loan is one that matches your needs. Click on the loan product below to learn about its features, and to find one that best fits your situation.

Disclaimer: The interest rate and fee indicated for Personal Loan is the lowest published rate and may differ from what is offered to you. The interest rate and fee offered to you for Personal Loan will be displayed during your application and is based on your personal credit and income profile, subject to the bank’s discretion. Please note that the maximum EIR may be up to 20.01% p.a. based on your loan amount, tenor and personal credit history.

 

Understanding repayment plans

We know everyone’s financial situation is different. So we’ve mapped out the different loans based on repayment terms, to guide you to the loan that’s the best fit.

 

Start here to find a loan solution

Work out the loan solution you need!

S$
Please verify your entry.
You need a minimum income of S$1,700 to be eligible for a loan.

The loan solution you need is:

Cashline

S$
A minimum loan of S$1 is required.

DBS may grant such credit limit at its discretion, which may differ from what is requested.

S$ 00.00

Here's your monthly interest repayment breakdown:

20.50% p.a.

Disclaimer: 20.50% per annum, effectively 0.08% per day. Interest rates may differ.

S$ 00.00

If you're using your credit card:

24.00%
S$ 00.00
S$ 00.00

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Apply now

Balance Transfer

S$
Please verify your entry.
A minimum loan of S$500 is required.
S$ 00.00

Your loan repayment breakdown:

Tenure Compare repayment breakdown
One-time administration fee
S$ 00.00
Based on 0% admin rate
S$ 00.00
Based on 0% admin rate
S$ 00.00
Based on 0% admin rate
Interest payable with Balance Transfer (0% p.a.)
S$ 0.00
S$ 0.00
S$ 0.00
Effective Interest Rate (EIR) *
12.50%
12.50%
2.00%
Min. payment per month ^
S$ 0.00
S$ 0.00
S$ 0.00
Interest payable on your credit card (24% p.a.)
S$ 00.00
S$ 00.00
S$ 00.00
Your savings with Balance Transfer vs. Credit Card
S$ 00.00
S$ 00.00
S$ 00.00

* The Effective Interest Rate is calculated taking into consideration the administration fee, and is based on the assumption of a minimum monthly payment of 2.50% for Cashline / 3.00% for DBS/POSB Credit Card(s) of the outstanding and full payment in the final month of the promotional period.

^ The minimum payment is S$50 or 3.00% of the statement balance, whichever is higher.

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Personal Loan

S$
Please verify your entry.
A minimum monthly repayment amount of S$45 is required.
S$ 00.00
Tenure Compare your term period 1 Year 2 Years 3 Years 4 Years 5 Years
Max loan
Loan amount
S$ 0.00
S$ 0.00
S$ 0.00
S$ 0.00
S$ 0.00
Interest rate (p.a.)*
- %
- %
- %
- %
- %
Effective interest rate (p.a.)
- %
- %
- %
- %
- %
One-time processing fee (1%)
S$ 0.00
S$ 0.00
S$ 0.00
S$ 0.00
S$ 0.00
Monthly repayment^
S$ 0.00
S$ 0.00
S$ 0.00
S$ 0.00
S$ 0.00

* The interest rate and processing fee offered to you is based on your personal credit profile and may differ from the published rate and rate offered to other borrowers. Please refer to the actual rate in the online application form.

^ The monthly and total repayment amount shown is only an estimation and may differ due to rounding differences. The actual monthly repayment will be indicated in the letter mailed to you upon approval of your loan.

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The loan solution you need is:

Further Study Assist

S$
Please verify your entry.
S$ 00.00
Processing will be deducted upfront upon first disbursement.
S$ 00.00
0.00%
Please verify your entry.
  1. Total disbursement amount should match the loan amount indicated.
  2. Month of disbursement should be in sequence with no duplicates.
  3. Total number of disbursement should match what was indicated.
Disbursement Month of Disbursement (in sequence) Disbursement Amount (S$) Instalment Effective from Month Estimated/ Revised Monthly instalment*
1st (incl. processing fee)
0
S$
1
S$ 0.00
Disbursement Total
0
S$ 0.00
 
 

* The monthly and total repayment amount shown is only an estimation and may differ due to rounding differences. The actual monthly repayment will be indicated in the letter mailed to you upon approval of your loan.

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Work out the loan solution you need!

S$
Please verify your entry.
Income requirement:
≥ S$30,000 p.a. < S$120,000 p.a.
S$
Please verify your entry.

To be eligible, your Balance to Income Ratio (BTI) must be more than 12x your monthly income.

Your Balance to Income Ratio (BTI) is
0x

Debt Consolidation Plan

Enjoy interest rates from as low as 3.58% p.a.

Tenure Compare your term period 1 Year 2 Years 3 Years 4 Years 5 Years 6 Years 7 Years 8 Years
Loan Amount
S$ 0.00
S$ 0.00
S$ 0.00
S$ 0.00
S$ 0.00
S$ 0.00
S$ 0.00
S$ 0.00
Monthly instalment
S$ 0.00
S$ 0.00
S$ 0.00
S$ 0.00
S$ 0.00
S$ 0.00
S$ 0.00
S$ 0.00
Interest rate (p.a.) *
- %
- %
- %
- %
- %
- %
- %
- %
Effective interest rate (p.a.)
- %
- %
- %
- %
- %
- %
- %
- %
Processing fee ^
S$ 0.00
S$ 0.00
S$ 0.00
S$ 0.00
S$ 0.00
S$ 0.00
S$ 0.00
S$ 0.00
Total loan amount
(with interest)
S$ 0.00
S$ 0.00
S$ 0.00
S$ 0.00
S$ 0.00
S$ 0.00
S$ 0.00
S$ 0.00

Note:
* The interest rate indicated is the lowest published rate and may differ from what is offered to you. The interest rate and fee offered to you will be displayed during your application and is based on your personal credit and income profile, subject to the bank’s discretion.
* The interest rates used in this calculator and the amounts shown are for illustration purposes only.
^ Figures are for illustration only. Processing Fee is charged upfront together with your first monthly instalment.

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