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Overview

Get cash for those important moments in life! Be it your newborn's arrival, a wedding or furnishing your dream home, OCBC EasiCredit lets you get extra cash in just 1 hour. With EasiCredit, we help you turn those important moments into everlasting memories.

Benefits include:
24/7 access to cash via a wide network of ATMs locally and worldwide
Pay no interest if you do not use your line of credit
Low monthly interest rate of just 1.50%^
8% cash rebate* when you use your line of credit.
Visit any OCBC branch for 1 hour express approval~

Yes, I confirm that I am
A Singaporean or non-Singaporean
Aged 21 years and above
Earning at least S$20,000 income per annum

EasiCredit Fees and Charges
Click here for more details.

To view all promotions, click here.

To apply, simply:
Click "APPLY NOW" and complete the form OR
SMS <ONLINE> <NRIC no> to 72222 for more details.


^Prevailing interest rate at 17.95% p.a.
*The qualifying period will be the EasiCredit account's anniversary year. Rebates will be credited within one month after the end of the anniversary year. Terms & Conditions Governing EasiCredit Cash Rebate apply.
~1 hour approval is only available at OCBC branches. 1-hour approval on Sundays is only available at Sunday Banking branches. Full Service Sunday Banking branches are located at Ang Mo Kio Central, Bedok, Causeway Point, Choa Chu Kang, Compass Point, HarbourFront, Holland Village, Hougang Mall, Jurong East, Jurong Point, Katong, Northpoint, Sun Plaza, Toa Payoh Central and White Sands. Please visit www.ocbc.com/sundaybanking for details.

Please note that if the minimum payment to your EasiCredit account is not made on time, the prevailing non-promotional interest rate applicable to your outstanding amount(s) may be increased to up to 36% p.a. Effective Interest Rate is subject to compounding if the monthly interest charges are not repaid in full.


Calculate



*Monthly Instalment amount is indicative. Please refer to your Statement of Account for the actual monthly Instalment amount.
Cash-On-Instalments
EasiCredit Cash-On-Instalments lets you to get cash from your EasiCredit account and repay in fixed monthly instalments.

With Cash-On-Instalments, you can get cash for the payment of your road tax, insurance premiums, enrichment courses or refurbishment of your home.
 
Benefits include:
  Convenience of cash being transferred to your account upon approval
  Financial flexibility where you can stretch your repayment over 12 months
  Better management of your cashflow with affordable monthly instalments
  Peace of mind knowing your loan will be fully repaid at the end of the loan period

With Cash-On-Instalments, you pay only the loan amount
Purpose Amount Monthly Instalments
Road Tax S$1,200 S$100
Insurance premiums S$3,000 S$250
Enrichment courses S$5,400 S$450
Refurbishment of home S$9,600 S$800
All these benefits with a one-time fee of 6%. The Applied Interest Rate is 0% p.a. Effective Interest Rate is 11.47% p.a. after incorporating 6% processing fee.

To apply, simply:
Click "APPLY NOW" and complete the form OR
SMS <FLEX> <NRIC no> to 72222 for more details.
 
 
Terms & Conditions Governing EasiCredit Cash-On-Instalments apply.


Loan Amount (SGD)
Max loan amount is S$180,000.

EasiCredit (0% p.a)
for 6 months

Credit Cards (0% p.a)
for 6 months

InterestCalculate

0%
0%
Interest of
0%
Savings of
$0.00
This graph is for illustrative purposes only.

Balance Transfer

With EasiCredit Balance Transfer, you can get cash for anything you want. And it's easy to get extra cash at promotional interest rates!

Extra Cash for Every Need
Save:
Deposit the cash into your deposit account and save on credit card cash advance fees.
Invest:
You can put that extra cash into good use with EasiCredit Balance Transfer. Make your money work for you and invest to reap better earnings.
Bills:
Pay off your other banks' credit cards, lines of credit or taxes with EasiCredit Balance Transfer and you will never have to worry over high interest rates or outstanding bills.
Gifts: Spoil your loved ones with gifts they deserve with EasiCredit Balance Transfer. You can buy anything without the worry of high credit card interests rates.

Attractive Low Interest Rates
Enjoy a low interest of 0% p.a. (E.I.R 6.37% p.a.~) per month for 6 months with a one-time processing fee of 3% and save up to 75%* on interests payments.
Balance Transfer Amount S$ 8,000
Interest Rate payable with Credit Cards at 24%p.a. S$ 960
One-time processing fee with EasiCredit 3% S$ 240
SAVINGS* S$ 720
The total transfer amount(s) plus the utilised amount on your EasiCredit Account must not exceed 90% of your assigned credit limit, excluding credit balance.

To apply, simply:
Click "APPLY NOW" and complete the form OR
SMS <YES> <NRIC no> to 72222 for more details.

APPLY NOW!

* Figures simplified for illustration purposes only.
~Effective Interest Rate (EIR) calculation is based on an approved Fund Transfer of S$10,000 with monthly repayments of 3% of the approved amount and associated fees during the promotion period. This offer is applicable only to EasiCredit customers with annual income of S$30,000 and above.
Terms & Conditions Governing EasiCredit Balance Transfer apply.


Funds Transfer

Get the extra cash you need with EasiCredit Funds Transfer to pay off your other bank's credit card bills and enjoy GREATER interest savings* of up to 25%! Plus you can also use the cash for your other needs and expenses.

Here's what you can do with the extra cash:
Description Amount
Pay off your other banks' Credit Card Bills S$3,000
Your child’s enrichment courses S$5,000
A holiday treat for your family S$8,000
Home Renovations S$10,000

Benefits:
Save – Enjoy interest savings* of up to 25%!
Simple – Just complete and fax to us. No statements required.
Fast – Get cash transferred to your designated account within 3 days**

To apply, simply:
Click "APPLY NOW" and complete the form OR
SMS <SAVE> <NRIC no> to 72222 for more details

APPLY NOW!


*The savings indicated will be enjoyed when comparing EasiCredit interest rate at 17.95% p.a. to interest rate of 24% p.a. charged on other banks’ credit cards.
**Cash will be transferred within 3 working days from receipt of faxed/ mailed in requests which have been duly completed and signed (excluding Saturday, Sunday, eve of and on public holidays). Requests received after 2pm will be taken as receipt on the next day.

Testimonials

Love knows no boundary
Angela and Natasha Eber

Being a single mother, I have to bear the financial responsibility of bringing up my 13 year-old daughter, taking care not only of household bills but unexpected expenses that crop up occasionally.

Like all parents, I also want the best for her education but am realistic enough to recognise what resources I can provide.

» Read More

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