UOB Personal Loan

UOB Personal Loans
(Product Review)

Updated October 2, 2023

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Annual Interest Rate


Minimum Loan Amount


Processing Fee

Current UOB Personal Loan Rate

Today's UOB Personal Loan interest rate trends in Singapore - As of Monday, October 2nd, 2023, UOB Personal Loan’s annual interest rate stands at 3.77% with an effective interest of 6.89%.

Product Review

When it comes to personal loans, there are plenty of options to choose from, however, the personal loan provided by UOB
isn’t the cheapest. Currently, the bank offers an interest rate of 3.4% p.a with an EIR of 6.36%. EIR stands for
effective interest rate, it is different from the normal interest rate. For example, a personal loan from lenders
usually has some concealed fees. For UOB it is somewhere between 0 and 1% for an annual loan.

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UOB Personal Loan Fees

Borrowers should keep in mind that UOB charges 2% processing fees. You are advised as a borrower to make calculated
plans for the loan repayment because the bank also charges 3% or $150 of the outstanding loan fee for early repayments.
Planning repayments will save you from extra fees and the general cost of the loan.

Overview of UOB Personal Loan Interest Rates

Loan Duration AIR Fee EIR Total Cost Monthly Payment
1 Year 3.77% 1% 6.89% S$10,377 S$865
2 Year 3.77% 1% 6.89% S$10,754 S$448
3 Year 3.77% 1% 6.89% S$11,131 S$309
4 Year 3.77% 1% 6.89% S$11,508 S$240
5 Year 3.77% 1% 6.89% S$11,885 S$198
*Rates Updated October 02, 2023 - Loan Amount Example S$10,000

UOB Personal Loan Application Requirements

Firstly, to be qualified for a UOB personal loan, you need to be a Singaporean or Permanent Resident. Note that for a
majority of lenders, loans are only approved for applicants of the age of 21 years or above and with a minimum of
$30,000 annual income. Nevertheless, another requirement is not publicly available. The loan range also depends on the
borrowers’ credit limit wherefore the bank only offers loan amounts from S$1,000 to 95% of their credit limit.



  • Apply via ROSHI

    Begin your loan application by clicking on the UOB link.

  • Provide Required Documents

    For a loan, the following documents are required

    • NRIC (photocopy front and back)
    • IImage of signature
    • CPF Contribution Statement
    • Latest Computerised Payslip
  • Receive your loan disbursement

    Your cash will be disbursed once you’re application has been processed and approved. Usually within 1 business


  • Flexible Loan Tenure

    Repayments starting from 1 to 5 years

  • Instant Loan Approval

    Usually between working hours and business day

  • No Documents Required

    No need to submit documents if your an existing banking customer

  • Loan Tenure Capped

    Loan repayments are capped at a maximum of 5 years

UOB Personal Loan Calculator

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