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CIMB Personal Loan is your pathway to realising your goals. As an unsecured personal loan, it's a collateral-free financial solution tailored to provide you with the funds needed to achieve your dreams. With our streamlined approval process and fast approval, the CIMB Personal Loan is designed to make it easier to secure the funds you require to lighten the financial load.

Features & Benefits

Low Interest Rate Attractive Cashback Promotion Generous Credit Line Flexible Tenures
Low Interest Rate
Attractive Cashback Promotion
Generous Credit Line
Flexible Tenures

How to apply

New Application

For new customers, submit your application online using MyInfo for a quick and fuss-free application. Takes less than 10mins to apply.

Apply Now

Approval in Principle

For customers who have received the notification to accept the loan offer, complete your application by entering your Application Reference No. via the link below.

Accept AIP

Interest & Tenure

Use the Personal Loan Instalment Calculator to find out your estimated monthly instalment and total payment amount


Loan amount less than S$5,000

Loan amount S$5,000 – S$9,999 Loan amount S$10,000 and above
Tenure (Years)

Processing Fee

Interest Rate

EIR (p.a.)

Processing Fee Interest Rate EIR (p.a.)

Processing Fee

Interest Rate EIR (p.a.)







9.10% 0% 4.00% 7.30%



9.32% 7.50%




8.38% 3.38% 6.38%
4 16.54% 8.33% 6.36%
5 16.17% 8.26% 6.32%


Here’s how much you will be paying on a loan of S$10,000 at 3.38% p.a. for 3 years:

Loan Amount S$10,000
Interest Rate 3.38% p.a. (EIR 6.38% p.a.)
Tenure 3 years
Processing Fee 0%
Total Interest Payable 3.38% p.a. x S$10,000 x 3 years = S$1,014
Total Repayment  S$11,014
Monthly Instalment S$306.00

Personal Loan Cashback Promotion

The CIMB Personal Loan Cashback Promotion offers a limited-time opportunity for eligible applicants to enjoy exclusive benefits. Get Cashback of up to S$2,000^ based on below qualifying approved loan amount and tenure.



Approved Loan Amount Cashback Earned
3, 4 or 5 years


S$8,000 - S$14,999 S$50
S$15,000 - S$49,999 S$300
S$50,000 - S$79,999 S$750
S$80,000 - S$149,999 S$1,000

S$150,000 and above



Singapore Citizens or Permanent Residents: Minimum annual income S$20,000

Eligible age

  • 21 - 65 years old

Terms and Conditions

#Only for customers with annual income of S$120,000 and above. Final approval amount is subject to the bank’s discretion.

^Only applicable for CIMB Personal Loan with minimum approved loan amount of S$8,000 and minimum tenure of 3 years. For more details, please refer to CIMB Personal Loan Cashback Promotion 2023 Terms and Conditions

*One of the lowest online published personal loan interest rates among banks in Singapore as of 1 June 2023

Please note the minimum loan amount is S$2,000.

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

General Terms and Conditions Governing Personal Loans

CIMB Personal Loan Product Terms 

Frequently Asked Questions (FAQ)

What is the eligibility requirements for CIMB Personal Loan?

  • Singaporean or Singapore Permanent Resident (PR)
  •  Income: Minimum annual income of S$20,000
  • Age: 21 - 65 years old

What is the maximum loan amount that I can apply for?

Your borrowing capacity with a CIMB Personal Loan depends on your annual income in Singapore. You can apply for:

  • A loan up to 2x your monthly income if your annual income is between S$20,000 to S$29,999
  • A loan up to 4x your monthly income if your annual income is S$30,000 to S$119,999
  • A loan up to 8x your monthly income if your annual income is more than S$120,000


Please note that the final approval of the loan amount is at the Bank's discretion, with the minimum unsecured loan amount being S$2,000 and the maximum being S$200,000.

Why is the Interest rate (flat interest rate) different from the Effective Interest Rate?

The interest rate is used as reference to calculate the total interest payable on the loan on straight line basis, by assuming the loan principal is the same throughout the loan tenure.

Effective Interest Rate reflects the true cost of borrowing by taking into account the reducing principal balance over the loan tenure and any upfront processing fee charged. 

Hence, Effective Interest Rate is generally higher than flat interest rate. 

How can I find out the estimated monthly repayment amount?

We have a Personal Loan repayment calculator in-built to the Personal Loan online application form which you can use to find out the estimated repayment amount.


The final approved loan amount is subject to the Bank’s discretion.

Do I need to provide any documents for the application of personal loan with CIMB?

No documents are required during the application process for SingPass holder applying with MyInfo.  However, we may reach out to you for additional documentation if require.  


For more questions about Personal Loan, please visit the detailed FAQ page here.