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CIMB Personal Loan

If you are looking for a loan without credit card, check out CIMB Personal Loan with attractive interest rates as low as 1.60%* p.a. (EIR from 3.07% p.a.).  What’s more, enjoy a waiver on your processing fees! 

 

Find Out More

Features & Benefits

Low Interest Rates Zero Fees Instant Disbursement Generous Credit Line
Low Interest Rates
Zero Fees
Instant Disbursement
Generous Credit Line

Interest & Tenure

Convert your credit card’s available limit into a personal instalment loan from CIMB, with a loan amount of S$1,000 and above.


Tenure (Years)

 New-To-Cards Promotion Existing Customers

Interest Rate (p.a)

Effective Interest Rate (p.a.)

 Interest Rate (p.a) Effective Interest Rate (p.a.)

1

4.18%

7.63%

 4.18% 7.63%

2

7.83%

 7.83%

3

 2.88%*

5.46%

 3.50%¹ 6.60%

4

5.45%

 6.58%

5

5.43%

 6.54%

Savings With CIMB CashLite

Interest and Savings on a S$10,000 CashLite

Amount (S$)

Interest Payable at 27.8% p.a. with other credit cards for 12 months

S$2,780

Interest Payable with CIMB CashLite Personal Instalment Loan for 12 months

S$418

YOU SAVE (85%)

S$2,362

Repayment Table


New-to-Cards Promotion

 Estimated Monthly Repayments

12 Months

 24 Months 36 Months 48 Months 60 Months
CashLite Flat interest rate# (p.a.) 

4.18% 

(EIR 7.63%)

4.18%

(EIR 7.83%)

2.88%

(EIR 5.46%)

2.88%

(EIR 5.45%)

2.88%

(EIR 5.43%)

 S$1,000

 $86.82

 $45.15

 $30.18

 $23.24

 $19.07

S$5,000

 $434.09

 $225.75

 $150.89

 $116.17

 $95.34

S$15,000

 $1,302.25

 $677.25

 $452.67

 $348.50

 $286.00

S$30,000

 $2,604.50

 $1,354.50

 $905.34

 $697.00

 $572.00

#The payable flat interest rate / payable facility charge is at 4.18% p.a. for 12 months and 24 months, and 2.88% p.a. for 36 months, 48 months and 60 months. The respective effective interest rate (EIR) is at 7.63% p.a. for 12 months, 7.83% p.a. for 24 months, 5.46% p.a. for 36 months, 5.45% p.a. for 48 months and 5.43% p.a. for 60 months. EIR is the expression of the equivalent to the flat interest rate / payable facility charges quoted above using compounding and on an annualised interest rate / payable facility charges basis.

Get extra cash at lowest interest rate of 3.5%³ p.a.

Exclusively for new to bank customers.

Find Out More
CIMB CashLite Promotion

How To Apply

Apply online

Apply for CIMB Visa Signature online for 1-day approval and we will be in touch with you about your personal loan application.

 

Apply Now

Apply via SMS

SMS:

CASHLT<space>Web<space>Full Name (e.g. CASHLT Web John Lee) to 72008.

Let us call you

Leave your contact details and our sales agent will get in touch with you within 1 working day.

 

Enter "CASHLITE" in the Message field.

 

Let Us Call You
Let us call you

Leave your contact details and our sales agent will get in touch with you within 1 working day.

 

Enter "CASHLITE" in the Message field.

 

Let Us Call You

Apply via SMS

SMS:

CASHLT<space>Web<space>Full Name (e.g. CASHLT Web John Lee) to 72008.

Eligibility

Convert your credit card’s available limit into monthly instalment loans. Min. annual income: Singaporean & Singapore PR - S$30,000

Eligible age

  • 21 - 70 years old

 

Applicable for the following credit cards for existing Cardmembers:

 

For new customers, a CIMB Visa Signature will be issued to facilitate the loan.

 

Fees & Charges

  • Monthly instalment payable must be paid in full together with any outstanding overdue amount from the previous statement. 
  • If any monthly instalments become overdue, interest and late payment charges will be levied on such overdue instalments as well as other overdue amounts in your CIMB Credit Card account in accordance with the Cardmember’s agreement. 
    • Late payment charge: S$100 will be charged if (i) full payment of the outstanding balance (where the outstanding balance is S$50 or less) is not received by the payment due date; or (ii) if the minimum payment (where the outstanding balance exceeds S$50) specified in the statement is not received by the payment due date.
    • Interest: 2.317% per month (effective interest rate 27.8% p.a. subject to compounding if the charges are not repaid in full) on the transaction amount, chargeable on a daily basis from the date of posting until receipt of full payment (minimum charge of S$2.50).

      If the minimum payment is not received in full by the payment due date of any Billing Statement, finance charges will be levied at the rate of 2.492% per month (effective interest rate of 29.9% p.a. subject to compounding) chargeable on a daily basis, on such amounts as are due and owing (subject to a minimum monthly charge of S$2.50 or such other sum as may be determined by the Bank). The finance charges will revert back to the effective interest rate of 27.8% p.a. when minimum payment is received in full by the payment due date. Any adjustment or reinstatement of interest rate shall take effect from the date of such Billing Statement immediately following the payment due date of a relevant Billing Statement.

 

For the full CIMB CashLite Personal Instalment Loan Fees & Charges, click on the link below:

CIMB CashLite Fee & Charges

Terms & Conditions

*Only applicable to New-to-Bank customers who apply for CIMB CashLite Personal Instalment Loan with minimum approved loan amount of S$1,000 and above. Terms and conditions governing the CIMB CashLite Personal Instalment Loan – NTC Interest Rate Promotion apply. Please click here for full terms and conditions.
 

1Your approved interest rate will be determined based on your risk profile and may differ from the published rate. If you are a new CIMB Credit Cardmember, you will receive a call from CIMB Bank after your CIMB Credit Card’s approval.

 

2Instant Loan Disbursement is subject to the approval of your CIMB CashLite Personal Instalment Loan application. 


**Terms & Conditions apply for the other promotions. Please refer to the respective pages for the full details.

 

Please note the minimum loan amount is S$1,000 and you may be granted up to a maximum of 90% of your credit limit. 

 

CIMB may have right of review (RoR) clauses in the terms and conditions governing your product and/or service relationship with our bank. Please refer to the Notification of Right of Review Clause for more information.

 

For all Terms & Conditions for the CIMB CashLite Personal Instalment Loan, you can learn more by clicking on the links below:

CIMB CashLite Terms & Conditions
CIMB Card Member's Agreement

What's Next?

Apply Online

Less than 10 minutes needed.

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Request A Call Back

We'll reach out within 1 working day.

Let Us Call You

SMS For A Callback Or To Participate

CASHLT<space>Web<space>Full Name

 

To 72008

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